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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Resona : Jurnal Ilmiah Pengabdian Masyarakat Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Manajemen STIE Muhammadiyah Palopo JURNAL MANAJEMEN MOTIVASI Journal of Economic, Bussines and Accounting (COSTING) Scientific Journal of Reflection : Economic, Accounting, Management and Business SEIKO : Journal of Management & Business Owner : Riset dan Jurnal Akuntansi Jurnal Manajemen Strategi dan Aplikasi Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JURNAL EKSBIS Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Enrichment : Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Jurnal Fokus Manajemen Bisnis Community Empowerment Jurnal Ekonomi Bima Journal : Business, Management and Accounting Journal Journal of Government Science (GovSci ) : Jurnal Ilmu Pemerintahan International Journal of Management Science and Information Technology (IJMSIT) Golden Ratio of Finance Management Studi Akuntansi, Keuangan, dan Manajemen Jurnal Inovasi Bisnis Indonesia (JIBI) Jurnal Pengabdian kepada MASyarakat (J-PMAS) Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Simki Economic
Goso Goso
Universitas Muhammadiyah Palopo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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The Influence of Financial Literacy on Family Financial Planning and Management Among Housewives Nersa; Goso; Duriani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.6918

Abstract

Financial literacy has an important role in family financial planning and management, especially among housewives who are responsible for managing family finances. This study aims to analyze the influence of financial literacy on family financial planning and management among housewives. Using a quantitative survey method, data was collected through the distribution of questionnaires to 211 housewife respondents in Tede Hamlet, and analyzed using linear regression. The results of the study show that the level of financial literacy has a significant and positive effect on the ability of housewives to prepare budgets, manage income and expenses, and make wise financial decisions. These findings confirm the importance of financial literacy education for housewives to improve family welfare.
The Influence Of Financial Attitudes And Financial Capabilities In Improving Financial Welfare Through Digital Financial Literacy On Msme Actors Hikma Ramadani; Goso; Duriani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.6993

Abstract

This study aims to analyze the influence of financial attitudes and financial abilities on financial welfare through digital financial literacy in MSME actors in Pancasila Field, Palopo City. Using a quantitative approach with a sample of 138 MSME actors, this study examined the direct and indirect relationships between variables using the PLS-SEM analysis technique. The results show that financial attitudes and financial ability have a significant positive influence on digital financial literacy, which in turn has a positive impact on financial well-being. A positive financial attitude can increase digital financial literacy, which then improves financial management and financial welfare of MSME actors. In addition, financial ability also plays an important role in facilitating the understanding of digital financial technology, which ultimately supports the improvement of financial well-being. This study suggests the importance of digital financial literacy education to empower MSME actors in managing their finances more efficiently and effectively.
The Effect of Financial Literacy on The Financial Performance of Msmes Palopo City Erna; Goso; Ibrahim Halim
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.6917

Abstract

This study aims to determine the influence of financial literacy on the financial performance of MSMEs in Palopo City. The data used in this study is primary data of 99 MSMEs in the Pancasila Field, Palopo City. The sampling technique used is a technique based on convenience. The method used to analyze the relationship between independent variables and dependent variables is the simple linear regression method. The results of the analysis with SmartPLS show that financial literacy has a positive and significant effect on the performance of MSMEs in Palopo City. This shows that the importance of a business to have knowledge of finance is related to how recording techniques, bookkeeping, the level of business debt and the budget needed in running a business.
The Influence of Financial Literacy on Family Financial Planning and Management Among Housewives Nersa; Goso; Duriani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.6918

Abstract

Financial literacy has an important role in family financial planning and management, especially among housewives who are responsible for managing family finances. This study aims to analyze the influence of financial literacy on family financial planning and management among housewives. Using a quantitative survey method, data was collected through the distribution of questionnaires to 211 housewife respondents in Tede Hamlet, and analyzed using linear regression. The results of the study show that the level of financial literacy has a significant and positive effect on the ability of housewives to prepare budgets, manage income and expenses, and make wise financial decisions. These findings confirm the importance of financial literacy education for housewives to improve family welfare.
The Influence Of Financial Attitudes And Financial Capabilities In Improving Financial Welfare Through Digital Financial Literacy On Msme Actors Hikma Ramadani; Goso; Duriani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.6993

Abstract

This study aims to analyze the influence of financial attitudes and financial abilities on financial welfare through digital financial literacy in MSME actors in Pancasila Field, Palopo City. Using a quantitative approach with a sample of 138 MSME actors, this study examined the direct and indirect relationships between variables using the PLS-SEM analysis technique. The results show that financial attitudes and financial ability have a significant positive influence on digital financial literacy, which in turn has a positive impact on financial well-being. A positive financial attitude can increase digital financial literacy, which then improves financial management and financial welfare of MSME actors. In addition, financial ability also plays an important role in facilitating the understanding of digital financial technology, which ultimately supports the improvement of financial well-being. This study suggests the importance of digital financial literacy education to empower MSME actors in managing their finances more efficiently and effectively.
The Influence of the Level of Financial Literacy of Village Officials on the Financial Performance of Villages in the Sub-district South Ponrang, Luwu Regency Peri Herdiansyah; Goso; Antong
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7537

Abstract

This study aims to analyze the impact of financial literacy of village officials, focusing on financial knowledge, financial behavior, and financial attitudes, on the financial performance of villages in Ponrang Selatan District, Luwu Regency. The research design used is quantitative with a survey approach. Data were obtained through the distribution of questionnaires to 60 village officials responsible for managing the finances of their respective villages. The data analysis method used is multiple linear regression. The results show that the financial literacy of village officials, which includes financial knowledge, behavior, and attitudes, both partially and simultaneously, has a positive and significant impact on the financial performance of villages in South Ponrang. Therefore, it is recommended that local governments enhance financial literacy training for village officials. Future research could explore other factors influencing village financial performance and the long-term impact of improving financial literacy.
Digital Financial Literacy and Decision-Making: A Behavioural Management Model for Digital Natives Goso, Goso; Jasman, Jumawan; Husmaruddin, Husmaruddin; Alam, Syamsu
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 12 No 2 (2025): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v12i2.56161

Abstract

This study develops an integrative behavioral framework to examine how digital financial literacy (DFL) influences financial decision-making among digital-native cohorts. The analysis extends existing behavioral models by incorporating risk tolerance and fintech trust as mechanisms shaping investment, consumption, and saving choices. Using a mixed-method design with 500 survey responses and 30 interviews, the study shows that DFL alters decision patterns in ways mediated by both confidence and caution. A paradox emerges: high trust in fintech often coexists with weak awareness of digital risks, underscoring tensions between literacy and reliance. The findings highlight that financial institutions and policymakers must balance accessibility and innovation with safeguards that foster prudent behavior in digitally native populations.
Role of Financial Literacy in Family Income Management in Luwu Regency Dwi Cinta Lestari, Cinta Lestari; Antong, Antong; Goso, Goso
BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 2 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.2.893-906

Abstract

Purpose: This study aims to analyze the role of financial literacy in family income management in Bua District, Luwu Regency. Methodology: This research employs a quantitative approach using purposive sampling, involving 50 housewives as respondents. Primary data were collected through structured questionnaires measuring financial knowledge, financial attitude, and financial behavior, and analyzed using statistical regression techniques. Results: The results indicate that financial knowledge has a positive and significant effect on family income management. Financial attitude also shows a positive and significant influence, while financial behavior demonstrates a strong and significant positive effect on income management practices. Novelty: This study offers an integrated examination of three core dimensions of financial literacy—knowledge, attitude, and behavior—within the context of household financial management in a rural district. Findings: Financial behavior emerges as a crucial driver of effective family income management, supported by adequate financial knowledge and positive financial attitudes. Originality: The originality of this research lies in its focus on housewives in Bua District, providing localized empirical evidence on household financial literacy in Indonesia. Conclusions: Strengthening community-based financial education programs is essential to improve family income management and enhance household financial well-being. Type of Paper: Empirical Research Paper.
The Impact of the Family Hope Program (PKH) on Household Financial Well-Being: The Moderating Role of Facilitators Saputra, Edi; Goso, Goso; Duriani, Duriani
JURNAL MANAJEMEN MOTIVASI Vol 21 No 1 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i1.7731

Abstract

This study examines the effect of the Family Hope Program (PKH) on the financial well-being of households in Luwu Utara Regency, with a focus on the role of facilitators as a moderating variable. Using a quantitative approach, data were collected through questionnaires distributed to 100 PKH beneficiaries and analyzed using moderation regression analysis. The findings show that PKH significantly enhances household financial well-being, although the facilitators' role tends to weaken this effect. The study contributes to understanding the financial impact of PKH and highlights the need for improved facilitation to optimize program outcomes.
LITERASI KEUANGAN PADA GENERASI Z SEBUAH STUDI PADA MAHASISWA UNIVERSITAS MUHAMMADIYAH PALOPO Putri lalimuga, Yosephine Injilitha; Goso, Goso; Halim, Ibrahim
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.7947

Abstract

This study aims to measure the level of financial literacy, financial behavior and locus of control as independent variables, financial management as dependent variables and financial technology as moderating variables. The population in this study included students of Muhammadiyah University of Palopo in Palopo City. The sample of this study amounted to 240 students, selected using the census method where the researcher had determined the sampling by collecting data from the entire population that was the subject of the study. The data collection technique used a questionnaire. The results of this study indicate that financial literacy, financial behavior, and locus of control have a significant positive effect on financial management. The next result is that the financial technology variable also has a significant positive effect because it is able to moderate financial literacy, financial behavior, and locus of control on financial management. This study uses simple regression analysis and interaction tests or Moderated Regression Analysis (MRA), which are processed using the Statistical Package for Social Science (SPSS) version 26 program.
Co-Authors Abdul Rahman Adil Adil Adinda Tasya Salsabilla Anwar Aisyah Nur aisyah Aksan, Fadriani Amriani Amriani Andi Ayu Nurnawati Annisa Annisa Antong Antong Antong, Antong Anwar, Suhardi M. Asmawati Asmawati Asriany Asriany Aswidy Wijaya Cipta Bidasari Chichi Pratiwi Duriani Duriani Duriani Duriani Duriani, Duriani Dwi Cinta Lestari, Cinta Lestari Edi Saputra Eka Eka Elva Amrin Erna Erwin Noki Fitriani Khairunnisa Fitriani S H. Halim Palatte Haniati, Martiana Hartina Fattah Hijrah Febriana Utami Hikma Ramadani Husmaruddin Husmaruddin Husmaruddin Husmaruddin Husmaruddin Husmaruddin, Husmaruddin Ibrahim Halim Ibrahim Halim Ibrahim Halim, Ibrahim Imam Pribadi Imran Ukkas Indra Kusdarianto, Indra Indriani Indriani J. Junaidi Jumawan Jasman Junaidi Junaidi Juwandariah Jubir Khaeriyah Adri Kurnia Kurnia M. Halim Palatte M. Risal Milda Yanti Muh Halim Muh. Farhan Muh. Halim Muh. Halim Muh. Halim Muh. Halim Palatte Muh. Halim Palatte, Muh. Halim Muhammad Ikbal Muhammad Ikbal Muhammad Yunus Amar Muhammad Yusuf Musran Munizu Mustafa Muhani Mustafa, Sri Wahyuny Mustanir, Ahmad Muthia Salsabillah Rusmulya Mutmainnah Nersa Nugraha Rasyid Nur Fadila Nursyamsih Husma Sam Nurul Azikin Pajarianto, Hadi Peri Herdiansyah Putri Handayani Putri lalimuga, Yosephine Injilitha Rahma Eka Putri Rahmad Solling Hamid Rahmawati Rahmawati Rahmawati Rahmawati Rahmawati, Rahmawati Rasyid, Nugraha Resky Khaerunnisa Rismawati Rismawati Rismawati Rismawati Sudirman Riswandi Paradi Salju Salju Salju Salju Samsul Bachri Sari Ratna Dewi Sari, Nova Vurba Siska Handayani Sri Wahyuni Supardi, Musdalifah Putriami Syamsu Alam SYAMSU ALAM Tiara Dwitiya Said Widiyanti, Wika Wisnu Kurniadi Wulandari Wulandari Yulia Wiranti Yuliana Dahman Yusuf Kamaruddin Zikra Supri