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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Manajemen & Keuangan JAIM (Jurnal Abdi Masyarakat) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Riset Akuntansi Kontemporer Abdimasku : Jurnal Pengabdian Masyarakat INSPIRASI (JURNAL ILMU-ILMU SOSIAL) Jurnal ABM Mengabdi Jurnal Pengabdian kepada Masyarakat Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian Mandiri International Journal of Accounting & Finance in Asia Pasific International Journal of Economics, Management and Accounting AMMA : Jurnal Pengabdian Masyarakat Jurnal Pengabdian Kepada Masyarakat KOPEMAS Dharma Nusantara: Jurnal Ilmiah Pemberdayaan dan Pengabdian kepada Masyarakat Maneggio
Bunyamin Bunyamin
STIE Malangkucecwara Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Nursing Public Health Social Sciences Other

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MENTAL ACCOUNTING AND CONSUMPTIVE BEHAVIOR AS DUAL MEDIATORS BETWEEN FINANCIAL LITERACY AND E-MONEY IN FINANCIAL MANAGEMENT Enggar Nursasi; Bunyamin Bunyamin
JRAK Vol 18 No 1 (2026): April Edition
Publisher : Faculty of Economics and Business, Universitas Pasundan, Bandung, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrak.v18i1.34388

Abstract

The rapid growth of financial technology raises concerns that e-money may encourage higher consumption. This study aims to examine how mental accounting and consumptive behavior mediated the effects of financial literacy and e-money usage on financial management. A quantitative approach was employed with 216 respondents and analyzed using PLS-SEM. The results showed that financial literacy and e-money positively affected financial management, while consumptive behavior negatively impacted it. Mental accounting positively mediated these relationships, whereas consumptive behavior served as a negative mediator. By integrating both positive and negative behavioral mediators, this study provided a comprehensive understanding of digital finance’s influence on individual financial outcomes. Practically, the findings highlight the importance of embedding educational features in e-money applications to enhance financial literacy and promote better financial management.
Co-Authors )Lailatus Sa’adah Agus Salim Agussalim Andriansyah Ali L Ali L Ali L Ali Lating Aminul Amin Anang Amir Kusnanto Arniati, Tutik Benita Rachmania Darti Djuharni Didik Priyo S. Didik Priyo Sugiharto Djoko Sugiono Dwi Danesti Dwi Danesti Dwi Danesti Deccasari Dwi Danesty D. Dwi Danesty Deccasari Dwi N A Dwi N A Dwi N A Dwi Nita Aryani Dyah Aruning Puspita Edi Sudiarto Eko Sudjawoto Eko Sudjawoto Eko Sudjawoto Enggar Nursasi Evi Maria Fera Tjahjani Hanif Mauludin Helena Irene Amastasya Imama Z Imama Z Imama Z Imama Z Imama Zuchroh Imama Zucroh Irawan Budi Prasetyo Istutik Kadarusman Kadarusman lailatus sa'adah Lailatus Sa’adah Lailatus Sa’adah Lailatus Sa’adah Lailatus.S. Lating, Noval Ali Leonardo Calvin Pareira Lidia Andiani Lindananty Lindananty M. Soedarman M. Soedarman Marli Marli Moh Soedarman Moh. Syadeli Muniroh Muniroh Muslichah Muslichah Mustafa Mohd Hanefah Nanang P Nanang P Nanang P Nanda Alivia Pratikasari Nunung N Nunung N U Nunung N U Nunung N U Nunung Nurastuti Utami Nunung Nurastuti Utami Ratri Buda Nugrahanti Rina Irawati Rina Rahmawati Rina Rahmawati Rina Rahmawati Rina Rahmawati Rina Rahmawati Rosnia Masruki Salsabila, Unik Hanifah Setiawan Setiawan Setyawan Setyawan Setyawan Setyawan Sherly H Erawati Siti Munfaqiroh Siti Munfaqiroh Siti Munfariqoh Siwi Dyah Ratnasari Sonhaji Sonhaji St Munfaqiroh St Munfaqiroh St Munfaqiroh Sugeng H Sugeng H Sugeng H Sugeng H Sugeng H Sugeng Hariadi Sunarto Sunarto Syerly Hesti Erawati Syerly Hesti Erawati Tachjuddin Tachjuddin Triana M Triana M Triana M Triana Murtiningtyas Triana Triana Uke Prajoga Widanarni Pudjiastuti Widanarni Pudjiastuti Widanarni Pudjiastuti Widanarni Pudjiastuti Wiyarni Wiyarni Yupono Bagyo Yuyuk Liana Zainul Arifin Zainul Arifin Zainul Arifin