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All Journal Jurnal Pendidikan Geografi Undiksha Jurnal Fisika Unand JIPES - JOURNAL OF INDONESIAN PHYSICAL EDUCATION AND SPORT Patria Artha Management Journal Patria Artha Journal of Accounting Dan Financial Reporting Gorontalo Law Review Jurnal Ilmiah Akuntansi Kesatuan Jurnal Akuntansi dan Keuangan Kontemporer (JAKK)
Septiani, Indri
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Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Health Professions Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Physics Public Health

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Income Drives Consumption, Not the Brain: Reassessing the Mediating Effect of Neurofinance in Urban Households Septiani, Indri
Jurnal Ilmiah Akuntansi Kesatuan Vol. 14 No. 1 (2026): JIAKES Edisi Februari 2026
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v14i1.5081

Abstract

Household consumption is a key indicator of economic well-being and is influenced by both income and behavioral financial factors. This study specifically examines the effect of household income on household consumption expenditure patterns in Makassar City, with neurofinance positioned as a mediating variable. A quantitative survey of 150 households was conducted, and data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results show that household income has a strong direct effect on consumption expenditure, while neurofinance has only a weak influence and does not significantly mediate the relationship between income and expenditure. These findings suggest that consumption patterns are predominantly driven by direct economic factors rather than behavioral financial mechanisms. Neurofinance appears to function more as a regulatory factor influencing consumption behavior rather than as an intermediary pathway. This study contributes empirically to the literature on household consumption by highlighting the contextual role of neurofinance and reinforcing the primacy of income in shaping expenditure decisions.
Co-Authors A.M, Andi Ismatul Aulia Alfarizi, Muhammad Amirawati, Amirawati Dwi Pujiastuti Farizal Saputra Fitri, Nurul Heldayani, Eni Muhammad Prawibowo Mulyadi, Sandi Hidayutul Murniati . MURYAM, MURYAM Nurmiati Nurmiati Putri, Mega Kusuma Putriani, Dian Rachman, Artie Arditha Rahmi Rahmi Rosida Rakhmawati Sari, A. Ratna Siska Andriani Zakia, Dewi