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All Journal Jurnal Keuangan dan Perbankan BAKI (Berkala Akuntansi dan Keuangan Indonesia) Media Mahardhika Jurnal Analisa Akuntansi dan Perpajakan Jurnal Online Insan Akuntan JASF (Journal of Accounting and Strategic Finance) Jurnal Abdimas Sangkabira Jurnal Abdi Masyarakat Indonesia Peka: Jurnal Pengabdian Kepada Masyarakat J-AKSI : JURNAL AKUNTANSI DAN SISTEM INFORMASI Jurnal Akuntansi dan Keuangan International Journal of Organizational Behavior and Policy Jurnal Akuntansi Kontemporer
Rr. Puruwita Wardani
Universitas Katolik Widya Mandala Surabaya
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mechanical Engineering Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Konsekuensi Pengendalian Diri dalam Hubungan Literasi Keuangan Digital terhadap Perilaku Keuangan Vivian Angelina Soegiharto Wibowo; Ester Sabatini; Rr. Puruwita Wardani
AKUA: Jurnal Akuntansi dan Keuangan Vol. 4 No. 3 (2025): Juli 2025
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/akua.v4i3.5360

Abstract

In the modern era, individuals are increasingly expected to be technologically literate, including in financial matters. The ease of access to financial technology demands wiser financial behavior (FB). Digital Financial Literacy (DFL) has become a crucial competency in this context. When DFL is supported by strong self-control, individuals are more likely to manage their finances with greater discipline, both in saving and spending. This study aims to examine the mediating role of self-control in the relationship between digital financial literacy and financial behavior. The research focused on university students selected through purposive sampling. Employing a quantitative approach, primary data were collected via questionnaires and analyzed using SmartPLS. The findings reveal that digital financial literacy has a positive influence on financial behavior, both directly and indirectly through the mediation of self-control. These results suggest that students with strong digital financial literacy and self-control tend to demonstrate more responsible and disciplined financial behavior.
Co-Authors Bernadetta Diana Nugraheni Budianto Tedjasuksmana Christian Lie Ester Sabatini Halim, Jenny Puspita Hariyanto, Simon Hartanto, Susanna Hendra Wijaya Hermanto, Benedicta Angelina Budi Julius F Nagel Lidya Ratnasari Tejosaputra Lindrawati Lindrawati P. Julius F. Nagel Sabatini , Ester Sabatini, Ester Selano, Elysabet Christy Diandra Susanna Hartanto Susanna Hartanto Susanna Hartanto Susanna Hartanto Thomas Aquinas Wijanarko Toto Warsoko Pikir Toto Warsoko Pikir Venessa Angelin Yermia Djamal Vivian Angelina Soegiharto Wibowo Wijanarko, Thomas Aquinas