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All Journal Community Development Journal: Jurnal Pengabdian Masyarakat Bertuah : Jurnal Syariah dan Ekonomi Islam Kontigensi: Jurnal Ilmiah Manajemen Sanskara Manajemen dan Bisnis West Science Business and Management Imara: Jurnal Riset Ekonomi Islam IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita
Sri Wahyuningsih
Departement Of Islamic Economics STAIN Bengkalis Riau, Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Journal : West Science Business and Management

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Effect of Education Level, Personal Income, and Accessibility of Banking Services on Personal Financial Management among Working Women in West Java Haruni Ode; Ahmad Junaidi; Sri Wahyuningsih; Saparman Saparman
West Science Business and Management Vol. 2 No. 02 (2024): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v2i02.984

Abstract

This quantitative study examines the influence of education level, personal income, and accessibility of banking services on personal financial management practices among working women in West Java, Indonesia. Data were collected from a sample of 180 working women using structured questionnaires and analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS) 3. The findings reveal significant positive relationships between education level, personal income, accessibility of banking services, and personal financial management practices. Moreover, banking services accessibility partially mediates the relationships between education level and personal financial management and between personal income and personal financial management. These results underscore the importance of financial literacy, economic empowerment, and access to formal financial services in fostering financial well-being among working women in West Java. The study contributes to a deeper understanding of the socio-economic factors influencing personal financial management and informs evidence-based interventions to promote financial inclusion and gender equity in the region.
Co-Authors Ahmad Junaidi Alfiana Bekti Utomo Dede Satriani Edhi Juwono Evan Haviana Fredy Olimsar Haruni Ode Ika Wahyu Pratiwi Jasmin Jasmin Nurhikmah Sibua Nurmawati Mambuhu Puji Afriyeni Rahmat Ramdhani Saparman Saparman Zulfikar Hasan