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All Journal MANDAR: Management Development and Applied Research Journal Jurnal Manajemen Sains dan Organisasi (JMSO)
Sarlawa, Rita
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengaruh Literasi Keuangan Terhadap Keputusan Keuangan Dan Perilaku Keuangan Sebagai Variabel Intervening Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Palangka Raya Kurniawan, Hengky; Nurwati, Solikah; Sarlawa, Rita
Jurnal Manajemen Sains dan Organisasi Vol. 1 No. 1 (2020): Jurnal Manajemen Sains dan Organisasi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jmso.v1i1.2372

Abstract

Tujuan - Penelitian ini bertujuan untuk memberikan penjelasan secara empiris tentang pengaruh literasi keuangan terhadap keputusan keuangan dan perilaku keuangan sebagai variabel intervening. Desain/Metodelogi/Pendekatan - Metode penelitian menggunakan deskriptif-kuantitatif. Sumber data diperoleh dari penyebaran kusioner terhadap 96 mahasiswa di Fakultas Ekonomi dan Bisnis Universitas Palangka Raya. Sampel diambil dari keseluruhan mahasiswa Fakultas Ekonomi dan Bisnis Universitas Palangka Raya yang berjumlah 2.598 yang diambil secara purposive sampling. Data yang terkumpul dianalisis dengan menggunakan pendekatan Structural Equation Modelling (SEM). Software yang digunakan adalah SmartPLS 3.0. Temuan Penelitian - Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif signifikan terhadap keputusan keuangan, literasi keuangan berpengaruh positif signifikan terhadap perilaku keuangan, perilaku keuangan berpengaruh positif signifikan terhadap keputusan keuangan, perilaku keuangan mampu memediasi pengaruh antara literasi keuangan terhadap keputusan keuangan. Orsinalitas/nilai – Mengembangkan konsep teori dari perilaku keuangan sebagai mediasi antar pengaruh literasi keuangan dengan keputusan keuangan
The Impact of Digital Financial Literacy on the Adoption of QR Codes and Mobile Money, and Its Effect on SME Performance in Central Kalimantan Sarlawa, Rita; Azis, Akbar
MANDAR: Management Development and Applied Research Journal Vol 8 No 1 (2025): December Period
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/mandar.v8i1.5891

Abstract

This study investigates the influence of Digital Financial Literacy (DFL) and Transaction Cost Burden (TCB) on the adoption of QR Code and Mobile Money payment systems, as well as their subsequent impact on the performance of Small and Medium-sized Enterprises (SMEs). Utilizing a quantitative methodology and Generalized Structured Component Analysis (GSCA), data were collected from a sample of 300 SMEs in Central Kalimantan that have either adopted or are in the process of adopting digital payment technologies. The results indicate that DFL significantly facilitates the adoption of QR Code systems, whereas TCB also influences adoption, suggesting that cost factors affect but do not entirely inhibit digital adoption. Moreover, the adoption of QR Code systems notably promotes the use of Mobile Money, with both systems positively affecting SME performance by enhancing transaction efficiency and financial management. Digital Financial Literacy indirectly contributes to improved performance through these adoption pathways, while TCB moderates the relationship between adoption and outcomes. These findings extend the Technology Acceptance Model (TAM) by incorporating literacy and cost considerations, offering new perspectives on the acceptance of digital payments among SMEs. In practice, the study advocates enhancing digital financial literacy initiatives and reducing transaction-cost barriers to promote inclusive digital transformation and sustainable growth of SMEs in emerging economies
Co-Authors Azis, Akbar Kurniawan, Hengky Muhamad Al Ikhsan Nurwati, Solikah