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All Journal Wikrama Parahita : Jurnal Pengabdian Masyarakat JOURNAL OF APPLIED MANAGERIAL ACCOUNTING JAKED Jurnal Akuntansi, Audit dan Aset (AAA) Accounting Research Unit (ARU JOURNAL) The Community Engagement Journal Journal of the Community Development in Asia Journal of Social Science
Rudiawie Larasati
Jurusan Akuntansi, Fakultas Ekonomi Dan Bisnis Universitas Cenderawasih
Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Physics Social Sciences Other

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Journal : Journal of the Community Development in Asia

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Improving Financial Technology-Based Financial Behavior Capabilities in Jayapura City and Jayapura Regency MSMEs Sesa, Pascalina V. S; Kambuaya, Maylen K. P; Larasati, Rudiawie; Wonar, Klara
Journal of The Community Development in Asia Vol 8, No 1 (2025): January 2025
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jcda.v8i1.3484

Abstract

This study assesses how financial technology has helped MSMEs in Jayapura City and Jayapura Regency improve their financial behavior. It is believed that this study's findings would serve as a helpful guide for future research. This study used a quantitative methodology with associative and moderation techniques to gather data via questionnaires, which WarpPLS was then used to analyze. The study's conclusions demonstrate that financial behavior, which aids in cash flow management and guards against mistakes that could result in bankruptcy, is significantly influenced by financial literacy. Furthermore, MSME entrepreneurs' good financial behavior is positively influenced by personality traits like thoroughness and openness, particularly regarding capital management and investment decisions. FinTech, however, cannot moderate the relationship between financial behavior and financial literacy because these digital tools cannot close the knowledge gaps in finance that must be addressed to make wise financial decisions. Similarly, personality traits like neuroticism and extroversion influence an individual's financial behavior more than technology use. Therefore, financial technology cannot moderate the association between financial personality and behavior.   
Co-Authors Abner SP Marlissa Anita Oktaviani Christy Jeana Anastasya Oeghoede Galih J. M Mansnandifu Hastutie Noor Andriati Kambuaya, Maylen K. P Kurniawan Patma Linda Yuliani Hutadjulu Mariolin Ance Sanggenafa Meinarni Asnawi, Meinarni Muhammad Djatmiko Muhammad Imran Kalam Oeghoede, Christy J. A. Pangayow, Bill J.C Pascalina V. S Sesa Rama Soyan Arung Lamba Ramasoyan Ramasoyan Siti Rofingatun Syaikhul Falah Victor Pattiasina Wonar, Klara Yohanes C. Seralurin Yumame, Leli Piska Yundy Hafizrianda