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All Journal Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Riset Bisnis dan Investasi Buana Ilmu Jurnal Manajemen dan Bisnis Kreatif Dinamika Journal Of Resource Management, Economics And Business (REMICS) DINAMIKA: Jurnal Manajemen Akuntansi, Bisnis dan Kewirausahaan Jurnal Manajemen Riset Inovasi Ebisnis Manajemen Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Masyarakat Berkarya: Jurnal Pengabdian dan Perubahan Sosial
Rengga Madya Pranata
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Journal : Jurnal Manajemen Riset Inovasi

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Pengaruh Literasi Keuangan dalam Pengelolaan Keuangan: Menguji Efek Pendapatan Sebagai Moderasi Rengga Madya Pranata; Asep Jamaludin; Ery Rosmawati; Aditya Duta Pangestu; Berliana Ananda Kutaningtyas
Jurnal Manajemen Riset Inovasi Vol. 2 No. 4 (2024): Oktober : Jurnal Manajemen Riset Inovasi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/mri.v2i4.3237

Abstract

Financial management is a key aspect in achieving financial well-being of the community. However, the level of financial literacy in Indonesia is still low, requiring education and development of financial literacy to reduce ineffective financial decisions. The Financial Services Authority (OJK) and Universitas Gadjah Mada (UGM) are actively encouraging the improvement of financial literacy, with a focus on education, national campaigns, strengthening infrastructure, and developing affordable financial service products. Financial literacy, which includes knowledge, understanding, skills, and motivation in making financial decisions, has a positive impact on financial management behavior. Individuals with higher levels of financial literacy tend to make better financial decisions, avoid investment fraud, and understand the principles of financial planning. However, income also plays an important role as a moderator, influencing the relationship between financial literacy and financial management. Individuals with low incomes tend to have lower financial literacy, which can affect their financial management practices. Therefore, challenges such as behavioral bias and external factors can affect financial literacy and its management implementation.
Co-Authors ABDULLOH Aditya Duta Pangestu Aji Tuhagana Asep Jamaludin Ayu Nuradilah Berliana Ananda Kutaningtyas Covery Adi Saputro Dexi Triadinda Dexi Triadinda Dimas Dwi Darmawan Dwi Epty Hidayaty Elsa Laila Listiawati Ery Rosmawati Hafsari Prabhamanik Faddila Iis Rahayu Ikaputera Waspada Muhammad Iqbal Nurfauzan Nandang Noval Andriyanto Nugraha Pebi Pebrianti Renaldi, Aldi Syarif Alamsyah Syarif Alamsyah Tria Melani Ujang Suherman Wanta Wildan Army Abdillah Wildan Army Abdillah Yusuf Zulkarnaen