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All Journal Jurnal Akuntansi Multiparadigma Jurnal Mirai Management Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi BJRA (Bongaya Journal of Research in Accounting) Patria Artha Journal of Accounting Dan Financial Reporting JURNAL MANAJEMEN BISNIS JAE (Jurnal Akuntansi dan Ekonomi) Journal of Enterprise and Development (JED) LOSARI: Jurnal Pengabdian Kepada Masyarakat Journal Of Human And Education (JAHE) Contemporary Journal on Business and Accounting Journal of Business, Technology, & Social Science Jurnal Riset Bisnis, Manajemen, dan Ilmu Ekonomi Insan Cita Bongaya Research Journal Atestasi : Jurnal Ilmiah Akuntansi
Yusuf, Marwah
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Transportation Other

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The Financial Behaviour in VUCA Era: A Literature Study Angreyani, Andi Dewi; Yusuf, Marwah
Jurnal Riset Bisnis, Manajemen, dan Ilmu Ekonomi Vol. 2 No. 3-4 (2025): AUGUST DECEMBER 2025 - JRBME
Publisher : PT Smart Media Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The concept of volatility, uncertainty, complexity, and ambiguity (VUCA) has emerged as a critical framework for understanding contemporary financial behavior. This literature study synthesizes existing research to elucidate how VUCA conditions influence financial decision-making among individuals and organizations. Despite the growing relevance of VUCA, there is a stark gap in how financial models adapt to these unpredictable environments, which traditional theories often overlook. Through a qualitative meta-analysis of peer-reviewed articles, this study reveals that cognitive biases become amplified in VUCA contexts, leading to irrational financial behaviors. Key findings indicate that stakeholders who embrace adaptive strategies—such as diversified portfolios and flexible financial models—are more likely to navigate the complexities of VUCA successfully. Additionally, advancements in technology provide opportunities for informed decision-making, albeit introducing challenges like information overload. This study concludes by highlighting the need for interdisciplinary approaches to further investigate financial behavior across varied demographics and suggests that integrating VUCA awareness into financial education may enhance decision outcomes in unstable environments. Future research should focus on the evolving interplay between behavioral finance and technology to develop more robust financial strategies. Konsep volatilitas, ketidakpastian, kompleksitas, dan ambiguitas (VUCA) telah muncul sebagai kerangka kerja kritis untuk memahami perilaku keuangan kontemporer. Studi literatur ini menyintesis penelitian yang ada untuk menjelaskan bagaimana kondisi VUCA memengaruhi pengambilan keputusan keuangan di kalangan individu dan organisasi. Meskipun relevansi VUCA semakin meningkat, terdapat kesenjangan yang mencolok dalam cara model keuangan beradaptasi dengan lingkungan yang tidak dapat diprediksi ini, yang sering diabaikan oleh teori-teori tradisional. Melalui meta-analisis kualitatif artikel yang telah diulas melalui pendekatan peer-review, studi ini mengungkapkan bahwa bias kognitif menjadi lebih menonjol dalam konteks VUCA, yang mengakibatkan perilaku keuangan irasional. Temuan utama menunjukkan bahwa pemangku kepentingan yang mengadopsi strategi adaptif—seperti portofolio dan model keuangan yang fleksibel—lebih mungkin berhasil menavigasi kompleksitas VUCA. Selain itu, kemajuan teknologi memberikan peluang untuk pengambilan keputusan, meskipun juga menimbulkan tantangan seperti kelebihan informasi. Studi ini menyimpulkan dengan menekankan perlunya pendekatan interdisiplin untuk menyelidiki lebih lanjut perilaku keuangan di berbagai demografi dan menyarankan bahwa integrasi kesadaran VUCA ke dalam pendidikan keuangan dapat meningkatkan hasil keputusan dalam lingkungan yang tidak stabil. Penelitian masa depan harus fokus pada interaksi yang terus berkembang antara keuangan perilaku dan teknologi untuk mengembangkan strategi keuangan yang lebih tangguh.
Dampak Pengetahuan Dan Sikap Membentuk Keuangan Keperilakuan Serta Kapabilitas Keuangan Ilham, Muhammad; Jumady, Edy; Yusuf, Marwah
Patria Artha Journal of Accounting dan Financial Reporting Vol 9, No 2 (2025): Journal of Accounting& Financial Reporting
Publisher : Universitas Patria Artha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33857/jafr.v9i2.969

Abstract

MSME actors in traditional markets in Makassar City are faced with a lack or limitation of financial knowledge and attitudes towards finance are not optimal so that they have an impact on behavioral finance and financial capability. Thus, the purpose of this study is to examine the role of financial knowledge and attitudes towards finance with behavioral finance and financial capability. The MSME population of the two traditional markets, namely the Pannampu market and the Terong market, totaled 530. The sampling technique uses purposive sampling with the consideration that at least two years of operation and has a turnover that tends to be low and employees from households which are divided into 56 people in the Pannampu market and 44 people in the Terong market so that the total sample is 100 respondents. Data analysis using SmartPLS. The results showed that financial knowledge has a positive and significant effect on behavioral finance. Furthermore, financial attitudes towards behavioral finance have a positive and significant effect. Finally, behavioral finance has a positive and significant effect on financial capability. This study extends the validity of the results of previous studies, as well as providing practical implications that the better the financial knowledge and financial attitudes, the better the behavioral finance and the better the financial capability by traditional market MSME players. 
Co-Authors Aditya Halim Perdana Kusuma Putra Putra Aksa, Aulia Rahmadani Amin, Asbi Andriana Angreyani, Andi Dewi anim anim Anwar Anwar Arisang, Irdianty Asgar, Muh Abduh Fuat Astuti, Niken Probondani Daud, Dahniyar Dewi Sari, Dewi Edy Jumady Eva Marin Sambo Faisol Faisol Ibrahim, Irmawati Indah Waty, Fulia Kanji, Lusiana Lalo, Annas Muhammad Ilham Muhammad, Irsad Nuramal, Nuramal Pongkapadang, Gunawan L. Rahmawati, Rahmawati Razak, Nurlaely Riyanti Riyanti Rozamuri, Arif Murti Selpin, Dwi SITI MARIAM Sudiasa, Valentino Sufiati, Sufiati Sugihartono, Egi Sultan AR, Muh. Ikhsan Sutriani Sutriani Syamsul Alam, Syamsul Tangngisalu, Jannati Wintari Pratiwi, Resi Yusdhaniar