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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT CARADDE: Jurnal Pengabdian Kepada Masyarakat Warmadewa Economic Development Journal (WEDJ) JAE (Jurnal Akuntansi dan Ekonomi) Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) International Journal of Economics, Management, Business, and Social Science BHAKTI PERSADA Jurnal Aplikasi IPTEKS (Journal of Applied Sciences and Technology) Journal of Artificial Intelligence and Digital Business Jurnal Strategi dan Bisnis
Bidhari, Sandhika Cipta
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Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Nursing Public Health Social Sciences Transportation

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Peran Literasi Keuangan Digital terhadap Ketangguhan Manajemen Keuangan Keluarga Bidhari, Sandhika Cipta; Alyssa, Heidy Puspa; Azzahra, Kayila; Sawitri, Imelda Nadya
Warmadewa Economic Development Journal (WEDJ) 1-8
Publisher : Program Studi Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/wedj.9.1.2026.1-8

Abstract

The digital transformation has fundamentally changed household financial management through the penetration of financial technology such as e-wallets, e-banking services, and digital-based financial applications. This study aims to analyze the influence of digital financial literacy on family financial management effectiveness by developing an applied quantitative model framework that combines digital literacy dimensions and financial management indicators comprehensively. The research used an associative quantitative approach with survey method on 30 employees of the Social Service for Women's Empowerment and Child Protection of Mojokerto Regency who actively use digital financial services. Data analysis was conducted using Partial Least Squares - Structural Equation Modeling (PLS-SEM) approach with SmartPLS version 3.0 software. The results showed that digital financial literacy has a significant but complex influence on family financial management effectiveness. Financial technology knowledge (? = 0.210) and digital financial risk understanding (? = 0.090) contribute positively, while digital money knowledge (? = -0.032) shows negative influence indicating potential consumptive risk from easy access to digital transactions. The structural model produces an R-square value of 0.075, indicating that 7.5% of variation in family financial management can be explained by the three digital financial literacy constructs. This research contributes theoretically by developing a more nuanced understanding of the relationship between digital financial literacy and household financial behavior, showing that not all aspects of digital literacy contribute positively to financial management.
Co-Authors Alyssa, Heidy Puspa Aryo Prakoso Asmandani, Venantya Azzahra, Kayila Boedijono, Boedijono Efriyanto Farhani, Nuraeni Hadiati Fitriah, Hanifah Rahmah GALIH WICAKSONO Hamonangan, Edward Hot Handini, Yuslinda Dwi Ida Nurhayati Iis Mariam Khaerunnisa, Siti Nur Maharani, Calista Vania Mastika, I Ketut Nining Latianingsih Nurcahyaning Dwi Kusumaningrum Pratama, Arizal Putra Puspita, Yeni Rimenda, Tetty Samudra, Sandy Dharma Savano, Dini Oktafia Sawitri, Imelda Nadya Sonjaya, Iwan Sugeng Iswono Syurawati, Rayya Rahma Yeni Puspita Zahra, Inas Afifah