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All Journal Jurnal Ilmiah Ekonomi Islam Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen IKRA-ITH Humaniora : Jurnal Sosial dan Humaniora AFEBI Management and Business Review Owner : Riset dan Jurnal Akuntansi IKRA-ITH EKONOMIKA Jurnal Riset Manajemen dan Bisnis Batara Wisnu : Indonesian Journal of Community Services
Wahyudi Wahyudi
Universitas Pembangunan Nasional Veteran Jakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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ANALYSIS OF THE EFFECT OF FINANCIAL LITERATION, FINANCIAL TECHNOLOGY, INCOME, AND LOCUS OF CONTROL ON LECTURER FINANCIAL BEHAVIOR Wahyudi Wahyudi; Brigitta Azalea Pulo Tukan; Dahlia Pinem
AFEBI Management and Business Review Vol. 5 No. 1 (2020): June
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47312/ambr.v5i1.293

Abstract

This research is a quantitative study that aims to determine the effect of financial literacy, financial technology, income, and locus of control on financial behavior. The population in this study were Lecturers at the Universitas Pembangunan Nasional Veteran Jakarta. The sample size was taken as many as 80 respondents, with methods through nonprobability sampling, purposive sampling. Data collection was carried out through questionnaires. The analysis technique used is the PLS (Partial Least Square) analysis method with SmartPLS 3.0 software. The results of this study indicate that (1) financial literacy has a significant positive effect on financial behavior. (2) financial technology has no influence and is not significant in financial behavior. (3) income has a significant positive effect on financial behavior. (4) locus of control does not influence financial behavior.
Determinan Perilaku Manajemen Keuangan UMKM Di Kelurahan Lenteng Agung Kecamatan Jagakarsa DKI Jakarta Wahyudi Wahyudi; Yoko Tristiarto; Sugianto Sugianto
IKRAITH-EKONOMIKA Vol. 9 No. 1 (2026): IKRAITH-EKONOMIKA Vol 9 No 1 Maret 2026
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37817/ikraith-ekonomika.v9i1.5491

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh dari literasi keuangan,pendapatan dan sikap keuangan terhadap perilaku manajemen keuangan yang diintervening denganfinancial technology pada pelaku usaha mikro, kecil dan menengah di Kelurahan Lenteng AgungJakarta Selatan. Seluruh pelaku UMKM di Kelurahan Lenteng Agung dijadikan populasi sejumlah107 pelaku UMKM, dan sampel ditentukan menggunakan metode probability sampling denganteknik sampel jenuh. Teknik analisis data menggunakan metode analisis PLS (Partial Least Square)dengan software SmartPLS 3.0. Perolehan hasil penelitian diantaranya, (1) literasi keuanganberpengaruh positif terhadap perilaku manajemen keuangan, (2) pendapatan berpengaruh positifterhadap perilaku manajemen keuangan (3) sikap keuangan berpengaruh positif terhadap perilakumanajemen keuangan, (4) literasi keuangan melalui fintech tidak berpengaruh terhadap perilakumanajemen keuangan, (5) pendapatan melalui fintech tidak berpengaruh terhadap perilakumanajemen keuangan, dan (6) sikap keuangan melalui fintech tidak berpengaruh terhadap perilakumanajemen keuangan. The purpose of this study was to determine the effect of financial literacy, income and financialattitudes on financial management behavior intervening with financial technology on micro, smalland medium enterprises in Lenteng Agung Subdistrict, South Jakarta. With all UMKM actors inLenteng Agung sub-district a population of 107 UMKM actors, and the sample was determinedusing probability sampling method with a saturated sample technique. The data analysis techniqueused the PLS (Partial Least Square) analysis method with the SmartPLS 3.0 software. The resultsof the research include (1) financial literacy has a significant and positive effect on financialmanagement behavior, (2) income has a significant and positive effect on financial managementbehavior (3) financial attitudes have a significant and positive effect on financial managementbehavior, (4) financial literacy through fintech has no effect on financial management behavior, (5)income through fintech has no effect on financial management behavior, and (6) financial attitudesthrough fintech have no effect on financial management behavior.
Co-Authors Anggie Faramitha Brigitta Azalea Pulo Tukan Dahlia Pinem Desmintari Farhan Nugraha Iwan Kresna Setiadi Muhammad Wafa Aunillah Nurmatias Nurmatias Sugianto Sugianto Syarif Ali Yandri Daya Pandera Yoko Tristiarto Yoko Tristiarto YUDI NUR SUPRIADI Yumna Sekar Utami