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All Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan
Supriyanto Supriyanto
Universitas Bina Insan
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Financial Knowledge, Financial Attitude Terhadap Financial Behavior Dengan Locus Of Control Sebagai Variabel Mediasi (Pada Fakultas Ekonomi dan Bisnis Universitas Bina Insan) Suwarno Suwarno; Arisky Andrinaldo; Supriyanto Supriyanto; Indrawati Mara Kesuma; Ana Amila Debsi
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 5 No 2 (2022): Article Research Volume 5 Number 2, Juni 2022
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v5i2.793

Abstract

Penelitian ini bertujuan untuk menguji pengaruh pengetahuan keuangan dan sikap keuangan terhadap perilaku keuangan dengan locus of control sebagai variabel mediasi pada mahasiswa Fakultas Ekonomi dan Bisnis Universitas Bina Insan Lubuklinggau. Menggunakan metode kuantitatif, dan teknik pengumpulan data dengan penyebaran kuesioner kepada 297 mahasiswa Fakultas Ekonomi dan Bisnis Universitas Bina Insan Lubuklinggau. Hasil pengujian menunjukkan bahwa pengetahuan keuangan berpengaruh signifikan terhadap locus of control dengan thitung = 5,754. Sikap keuangan berpengaruh signifikan terhadap locus of control dengan thitung = 2,735. Pengetahuan keuangan berpengaruh signifikan terhadap perilaku keuangan dengan thitung = 4,487. Sikap keuangan berpengaruh signifikan terhadap perilaku keuangan dengan thitung= 3,264. Locus of control berpengaruh signifikan terhadap perilaku keuangan dengan thitung = 7,918. Pengetahuan keuangan dan sikap keuangan berpengaruh signifikan terhadap locus of control dengan nilai Sig sebesar 0,000. Pengetahuan keuangan dan sikap keuangan berpengaruh signifikan terhadap perilaku keuangan dengan nilai Sig sebesar 0,000. Pengetahuan keuangan berpengaruh signifikan terhadap perilaku keuangan dengan locus of control sebagai variabel mediasi dengan thitung sebesar 4,36. Sikap keuangan berpengaruh signifikan terhadap perilaku keuangan dengan locus of control sebagai variabel mediasi dengan nilai thitung sebesar 2,56.
E-WALLET ADOPTION AND FINANCIAL BEHAVIOR: THE MEDIATING ROLE OF PERCEIVED EASE OF USE AMONG GENERATION Z IN LUBUKLINGGAU Herman Paleni; Supriyanto Supriyanto; Apandi Apandi
Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Vol. 4 No. 1 (2026): September
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jakpt.v4i1.4651

Abstract

This study examines the effect of e-wallet adoption on financial behavior among Generation Z in Lubuklinggau, mediated by Perceived Ease of Use. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the measurement model showed adequate reliability and convergent validity, with Cronbach's alpha, composite reliability, and Average Variance Extracted values for all three constructs exceeding recommended thresholds, while discriminant validity was confirmed through the Heterotrait-Monotrait ratio and Fornell-Larcker criterion. Structural model results show that e-wallet adoption significantly and positively affects Perceived Ease of Use (β = 0.200, t = 2.189, p = 0.029), and that Perceived Ease of Use significantly and positively affects financial behavior (β = 0.340, t = 7.107, p = 0.000). However, e-wallet adoption has no significant direct effect on financial behavior (β = 0.023, t = 0.230, p = 0.818). Bootstrapping confirms a significant indirect effect of e-wallet adoption on financial behavior through Perceived Ease of Use (β = 0.068, t = 2.017, p = 0.044), indicating indirect-only (full) mediation. E-wallet adoption explains 4% of the variance in Perceived Ease of Use, while both predictors jointly explain 12% of the variance in financial behavior. Blindfolding results show small predictive relevance for both endogenous constructs (Q² = 0.018–0.055), though construct-level cross-validated communality remains sound across all constructs (Q² = 0.333–0.380), indicating adequate measurement quality despite the model's modest structural predictive power. These findings indicate that e-wallet adoption alone does not translate into improved financial behavior; its influence operates entirely through users' subjective perception of ease. Theoretically, this extends the Technology Acceptance Model into the financial behavior domain. Practically, fintech providers and financial literacy programs targeting Generation Z should prioritize ease-of-use-oriented interface design rather than relying on transactional convenience alone.
Co-Authors Ana Amila Debsi Apandi Apandi Arisky Andrinaldo Indrawati Mara Kesuma Paleni, Herman Suwarno Suwarno