Article Per Year (5 Year)
p-Index From 2021 - 2026
1.881
P-Index
This Author published in this journals
All Journal Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Wacana Ekonomi Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ekonomi Bisnis Dan Industri (EBI) Jurnal Algoritma Jurnal Kalibrasi Innovative: Journal Of Social Science Research JURDIASRA Summa : Journal of Accounting and Tax
Ningsih, Winda
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

Published : 11 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 11 Documents
Search

 1   2 
Effect of Financial Literacy and Financial Inclusion on Financial Behavior Moderated by Self-Control Salwa Nuraeni; Ningsih, Winda; Fitri Syakinah
Neraca Keuangan : Jurnal Ilmiah Akuntansi dan Keuangan Vol. 21 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/neraca.v21i1.23088

Abstract

This study aims to determine the effect of financial literacy and financial inclusion on the financial behavior of Gen Z students in Garut Regency, using self-control as a moderating variable. The research questions asked are whether financial literacy, financial inclusion, and self-control influence financial behavior, and whether self- control can moderate the relationship between financial literacy and financial inclusion. The research was conducted because there is still limited research that focuses on Gen Z students in Garut Regency. The research method used is a quantitative approach, with questionnaires distributed to 362 students in Garut Regency selected through purposive sampling. The data collected is primary data. The data analysis was carried out using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 3 software. The results of the study indicate that financial literacy, financial inclusion, and self-control have a positive and significant effect on financial behavior. Self-control as a moderating variable shows a significant influence in strengthening the relationship between financial literacy and financial behavior. And self-control can moderate the effect of financial inclusion on financial behavior, but weaken it. These findings indicate that students' understanding of financial literacy, financial inclusion, and self-control abilities are very important factors in shaping positive financial behavior.
Co-Authors Anggraeni, Windi Ariesti Dany Merliyana , Reny Fadilah, Resmi Afifah Fitri Syakinah Hamdah, Dida Farida Latipatul Kartiko, Erik LH, Dida Farida Lina Nurlaela Merliyana, Reny Dany Muharam, Husni nurlaela, lina Prayoga, Cepi Juniar Romdhon, Mochamad Salwa Nuraeni Ungkari, Marti Dewi Wahyuningsih Wahyuningsih