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All Journal Jurnal Ilmu Manajemen (JIM) Journal of Economics, Business, & Accountancy Ventura Journal of Business & Banking MABIS: Manajemen dan Bisnis
Iramani, Rr
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Financial Well-Being Model for Bank Employees: the Role of Financial Behavior as a Mediator Setiawan, Hendro; Iramani, Rr
Journal of Economics, Business, and Accountancy Ventura Vol. 26 No. 2 (2023): August - November 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v26i2.3948

Abstract

The aim of this study is to investigate the factors influencing the financial well-being of Bank Jatim employees in Indonesia. These factors encompass financial knowledge, financial socialization, internal locus of control, lifestyle, and current financial stress. Additionally, the study delves into the role of financial behavior as a mediator in this model of financial well-being. The respondents in this study are permanent employees of Bank Jatim, Indonesia, selected through purposive sampling. The findings reveal that financial knowledge, financial socialization, and current financial stress directly impact financial well-being. Internal locus of control affects financial well-being both directly and indirectly, mediated by financial behavior. However, financial behavior doesn't serve as a mediator for the influence of lifestyle on the financial well-being of bank employees. Furthermore, the results do not provide sufficient evidence for financial behavior mediating the effects of other determinant variables. For the company, this implies that enhancing the financial well-being of bank employees should involve efforts to augment their financial knowledge, promote financial socialization, and encourage a composed approach to managing their financial situations. As for bank employees, achieving financial well-being necessitates maintaining an internal locus of control and exhibiting prudent financial management behaviors.
Peran locus of control pada perilaku pengelolaan keuangan nelayan Alfiani, Ahmad Rizki; Iramani, Rr
Journal of Business & Banking Vol 13 No 1 (2023): Mei - Oktober 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v13i1.3903

Abstract

Perilaku pengelolaan keuangan merupakan topik riset yang perlu dikaji sampai dengan saat ini. Hal ini disebabkan karena karena banyaknya faktor yang dapat mempengaruhi perilaku seseorang dalam mengelola keuangannya. Tujuan penelitian ini adalah untuk menguji serta menganalisis locous of control, pengetahuan keuangan serta pendapatan pada perilaku pengelolaan keuangan nelayan di pulau Bawean, Jawa Timur. Penelitian ini menggunakan purposive sampling. Data penelitian ini bersumber pada data primer yang diperoleh dari responden. Penelitian ini merupakan penelitian kuantitatif dimana dalam pengumpulan datanya menggunakan metode survei. Data dikumpulkan dengan cara menyebar kuesioner baik offline maupun online melalui goole form di pulau Bawean. Teknik analisis yang digunakan adalah structural equation model. Hasil penelitian ini berhasil membuktikan bahwa locus of control dan pengetahuan keuangan mempunyai peran sangat penting dalam perilaku pengelolaan keuangan nelayan di pulau Bawean. Sementara pendapatan tidak berdampak pada pengelolaan keuangannya. Hasil ini berimplikasi dalam kehidupan nelayan di pulau Bawean untuk selalu mengendalikan diri serta meningkatkan pengetahuan keuangannya agar bijak dalam mengelola keuangannya.
Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste Amaral, Leonardo Bele Bau; Iramani, Rr; Pertiwi, Tanza Dona
Journal of Business & Banking Vol 14 No 1: May-October 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i1.5024

Abstract

Financial behavior reflects how individuals manage financial resources to meet their needs and achieve life goals. Financial behavior, when supported by financial literacy, experience, and self-efficacy, can enhance living standards. This study aims to explore the influence of financial literacy, financial experience, and the role of financial self-efficacy as an intervening variable. of lecturers at Universidade da Paz. The sample was taken using purposive sampling. Total respondents were 100 lecturers at Universidade da Paz Timor Leste. Research on financial behavior has been conducted in Indonesia and other countries. However, similar research has not touched the society in Timor Leste. Therefore, this research is very important to do in order to enrich empirical findings in behavior finance research. Data was collected using the survey method through questionnaires. Analysis is conducted using SEM-PLS. The results showed that financial literacy and financial experience had no significant direct effect on financial behavior. Financial self-efficacy has a significant positive effect on financial behavior and is proven as a mediator in the relationship between financial experience and financial behavior. The implication is that Universidade da Paz lecturers should improve their financial experience by growing their self-efficacy which in turn makes their financial behavior better.
Pengujian model kesejahteraan keuangan : Studi komparasi masyarakat berpenghasilan tinggi dan rendah Shintani, Nadella Putri; Iramani, Rr; Lutfi
Jurnal Ilmu Manajemen Vol. 13 No. 1 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v13n1.p186-198

Abstract

Financial well-being is one of the most critical issues in financial research. Financial well-being is when a person feels comfortable and satisfied and does not feel depressed or worried about their financial condition. The study examines the effect of financial knowledge and experience on the financial well-being of high and low-income communities. The sample was taken using purposive sampling. Data is collected using a survey method, and questionnaires are distributed to respondents according to the criteria. The data analysis used is SEM-PLS.  The results of this study prove that financial experience has a positive effect on financial well-being, while financial knowledge has no impact on financial well-being. Another interesting finding of this study is that financial behaviour can mediate the effects of financial experience on financial well-being in both high and low-income communities. This result implies that people should improve their financial expertise to improve their financial well-being. High financial experience supported by good financial behaviour will give a person a high perception of financial well-being because of a sense of satisfaction and comfort and the ability to not feel worried or depressed about their financial condition.
Competence and work facilities influence employee performance through the mediating role of job satisfaction. Ongkowidjojo, Anita; Iramani, Rr; Yulianti, Emma
Manajemen dan Bisnis Vol 24, No 2 (2025): September 2025
Publisher : Department of Management - Faculty of Business and Economics. Universitas Surabaya.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/mabis.v24i2.963

Abstract

This study aims to examine the effect of competence, work facilities, and job satisfaction on employee performance at the Public Health Centre in the North Surabaya area. This study uses a quantitative approach with data collection through questionnaires. The research sample consisted of 150 Public Health Centre employees in the North Surabaya area who had worked for at least 2 years who were selected by purposive sampling. Data were analyzed using Structural Equation Modelling (SEM) techniques with Partial Least Square (PLS). The results showed that competence, work facilities, and job satisfaction have a significant positive effect on employee performance. Job satisfaction also indirectly mediates the effect of competence and work facilities on employee performance. This study suggests that the Public Health Centre can continue to improve the competence of its employees through training, provide adequate work facilities, and pay attention to job satisfaction factors to improve employee performance. These findings provide practical implications that by increasing the competence of employees and adequate work facilities can lead to job satisfaction of employees so that their performance will also increase.
Financial Well-Being Model for Bank Employees: the Role of Financial Behavior as a Mediator Setiawan, Hendro; Iramani, Rr
Journal of Economics, Business, and Accountancy Ventura Vol. 26 No. 2 (2023): August - November 2023
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v26i2.3948

Abstract

The aim of this study is to investigate the factors influencing the financial well-being of Bank Jatim employees in Indonesia. These factors encompass financial knowledge, financial socialization, internal locus of control, lifestyle, and current financial stress. Additionally, the study delves into the role of financial behavior as a mediator in this model of financial well-being. The respondents in this study are permanent employees of Bank Jatim, Indonesia, selected through purposive sampling. The findings reveal that financial knowledge, financial socialization, and current financial stress directly impact financial well-being. Internal locus of control affects financial well-being both directly and indirectly, mediated by financial behavior. However, financial behavior doesn't serve as a mediator for the influence of lifestyle on the financial well-being of bank employees. Furthermore, the results do not provide sufficient evidence for financial behavior mediating the effects of other determinant variables. For the company, this implies that enhancing the financial well-being of bank employees should involve efforts to augment their financial knowledge, promote financial socialization, and encourage a composed approach to managing their financial situations. As for bank employees, achieving financial well-being necessitates maintaining an internal locus of control and exhibiting prudent financial management behaviors.
Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste Amaral, Leonardo Bele Bau; Iramani, Rr; Pertiwi, Tanza Dona
Journal of Business & Banking Vol 14 No 1: May-October 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v14i1.5024

Abstract

Financial behavior reflects how individuals manage financial resources to meet their needs and achieve life goals. Financial behavior, when supported by financial literacy, experience, and self-efficacy, can enhance living standards. This study aims to explore the influence of financial literacy, financial experience, and the role of financial self-efficacy as an intervening variable. of lecturers at Universidade da Paz. The sample was taken using purposive sampling. Total respondents were 100 lecturers at Universidade da Paz Timor Leste. Research on financial behavior has been conducted in Indonesia and other countries. However, similar research has not touched the society in Timor Leste. Therefore, this research is very important to do in order to enrich empirical findings in behavior finance research. Data was collected using the survey method through questionnaires. Analysis is conducted using SEM-PLS. The results showed that financial literacy and financial experience had no significant direct effect on financial behavior. Financial self-efficacy has a significant positive effect on financial behavior and is proven as a mediator in the relationship between financial experience and financial behavior. The implication is that Universidade da Paz lecturers should improve their financial experience by growing their self-efficacy which in turn makes their financial behavior better.
Co-Authors Alfiani, Ahmad Rizki Amaral, Leonardo Bele Bau Emma Yulianti Hendro Setiawan, Hendro Lutfi Lutfi Ongkowidjojo, Anita Pertiwi, Tanza Dona Shintani, Nadella Putri