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All Journal Jurnal Ilmu Manajemen (JIM) Jurnal Pengabdian UntukMu NegeRI IJBE (Integrated Journal of Business and Economics)
Muat, Susnaningsih
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh digital financial literacy, financial skill, financial stress dan financial self-efficacy terhadap financial well-being: Studi lintas generasi di Provinsi Riau Tanjung, Andini; Muat, Susnaningsih
Jurnal Ilmu Manajemen Vol. 13 No. 2 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jim.v13n2.p356-374

Abstract

Differences in financial characteristics across generations influence individual financial well-being. In the rapidly evolving digital era, digital financial literacy has become a crucial factor in financial management. This study aims to analyze the influence of digital financial literacy, financial skills, financial stress, and financial self-efficacy on financial well-being among Generations X, Y, and Z in Riau Province. Data were collected through questionnaires, and intergenerational differences were examined. The results indicated significant differences in financial well-being, digital financial literacy, and financial stress across generations; however, no significant differences were found in financial skills and financial self-efficacy. Digital financial literacy positively and significantly influenced financial well-being in Generation Z, whereas no significant impact was observed in Generations X and Y. Financial skills had a significant positive impact on financial well-being across all three generations. Conversely, financial stress negatively and significantly affected financial well-being across generations, while financial self-efficacy contributed positively. These findings highlight the importance of digital financial literacy and effective financial management skills in enhancing financial well-being. They also underline the necessity for tailored approaches to address financial stress within each generation. This study provides valuable insights for policymakers and financial education institutions.
Pendampingan Pelaporan SPT Pajak Bagi Wajib Pajak Pribadi Di Kantor Kecamatan Tuah Madani Pekanbaru Anggriani , Irien Violinda; Muat, Susnaningsih; Triandani, Sahwitri; Arisandy, Nelsi
Jurnal Pengabdian UntukMu NegeRI Vol. 7 No. 2 (2023): Pengabdian Untuk Mu negeRI
Publisher : LPPM UMRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jpumri.v7i2.6281

Abstract

Tax is an obligation that must be fulfilled by every citizen. Current tax revenue is not in line with the government's expectations, because taxpayers do not pay their tax obligations on time and even some entrepreneurs do not report their transactions, so tax revenue is not optimal. Therefore understanding of the importance of paying taxes is needed for the sake of all the Indonesian citizen. We, as a community service team, work closely with the Regional Office of the Directorate General of Taxes of Riau Province through the Tax Center of the Faculty of Economics and Social Sciences, State Islamic University of Sultan Syarif Kasim Riau, as a companion for Tax Volunteers in providing assistance in filling out Annual Tax Returns for personal Taxpayers in reporting the wealth electronically. The method used is Participatory Action Research which is the implementation of dedication to define a problem or apply information into action as a solution to the problem or activity being carried out. The purpose of this community service is to provide convenience and satisfaction for personal taxpayers and tax volunteers who have successfully reported their wealth and also succeeded in assisting taxpayers.
How do digital financial literacy, financial behavior, and skills affect financial well-being? An Exploratory Study on Gen Z Muat, Susnaningsih; Fachrurrozi, Fachrurrozi; Sari, Nana
Integrated Journal of Business and Economics (IJBE) Vol 8, No 1 (2024): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v8i1.851

Abstract

Rapid development in the digital financial landscape nowadays requires individuals to have sufficient financial literacy and master digital financial literacy. This study aims to analyze the direct relationship between DFL, financial behaviour, and financial skill on FWB and investigate the mediation effect of financial behaviour and skills on the relationship between DFL and FWB. Motivated by the worrying financial condition of Generation Z, this exploratory study is conducted using a self-administered questionnaire distributed in Riau Province, which resulted in 108 valid responses. A variance-based structural equation modeling using SmartPLS is utilized to test the relationship between constructs. Findings reveal that financial behavior and financial skills directly influence FWB. The evidence showed that DFL influences FWB indirectly through financial behavior. This research suggests that the government and policymakers provide knowledge about DFL to Generation Z.
Co-Authors Anggriani , Irien Violinda Fachrurrozi Fachrurrozi nelsi arisandy arisandy, nelsi arisandy Sari, Nana Tanjung, Andini Triandani, Sahwitri