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Radia Hafid
Jurusan Pendidikan Ekonomi, Fakultas Ekonomi, Universitas Negeri Gorontalo
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Journal : Multidisciplinary Indonesian Center Journal

 1 
THE DIFFERENCE IN FINANCIAL LITERACY OF WOMEN WORKERS IN THE FORMAL SECTOR AND THE INFORMAL SECTOR IN THE COMMUNITY IN TOTE VILLAGE Alimullah, Fadliyah; Mahmud, Melizubaida; Dama, Maya Novrita; Polamolo , Cristian; Hafid, Radia
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 4 (2025): Vol. 2 No. 4 Edisi Oktober 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i4.1540

Abstract

This study aims to determine the difference in the level of financial literacy between women workers in the formal and informal sectors in the community in Tote Village, West Bolangitang District, North Bolaang Mongondow Regency. Financial literacy is an individual's ability to manage finances which includes aspects of knowledge, attitudes, and skills in making financial decisions. This study uses a quantitative method with a comparative approach. The population in this study is all women who work in the formal and informal sectors in Tote Village, with sampling using purposive sampling techniques. The research instrument is in the form of a questionnaire that is compiled based on financial literacy indicators, then analyzed using a different test (Independent Sample T-Test). The results of the study show that there is a significant difference in the level of financial literacy between women workers in the formal sector and the informal sector. Women in the formal sector tend to have a higher level of financial literacy compared to women working in the informal sector. These findings indicate the importance of more inclusive financial education and training programs, especially for women in the informal sector, to improve financial management skills and support the welfare of families and communities in a sustainable manner.
THE PERSPECTIVE OF THE THEORY OF PLANNED BEHAVIOR AND FINANCIAL LITERACY ON THE INTENSITY OF E-WALLET USAGE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, STATE UNIVERSITY OF GORONTALO, CLASS OF 2024) Pontoh, Siti Nurhaliza; Hafid, Radia; Dama, Maya Novrita; Panigoro, Meyko; Damiti, Fatmawati
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 2 (2026): Vol. 3 No. 2 Edisi April 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i2.2371

Abstract

This study aims to determine and analyze the influence of the Theory of Planned Behavior and Financial Literacy on the Intensity of E-Wallet Usage among university students. This research employs a quantitative method. Data were collected through the distribution of questionnaires to 88 students of the Faculty of Economics and Business at Gorontalo State University and analyzed using SPSS version 25 by conducting validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-test, and F-test. The results show that: (1) the Theory of Planned Behavior has a positive and significant effect on the Intensity of E-Wallet Usage, (2) Financial Literacy has a positive and significant effect on the Intensity of E-Wallet Usage, and (3) both variables simultaneously exert a significant influence. These findings indicate that behavior in using e-wallets is influenced by psychological elements and financial literacy skills Both factors play a crucial role in shaping smart, effective, and responsible digital financial behavior in today's era.
Co-Authors Abd. Rahman Pakaya Abdulrahim Maruwae Afandi Monoarfa Agil Bahsoan Agnes Nusi Ahmad, Olivia Alimullah, Fadliyah Alpiana Hasan Amelia Ahmad Amelia Yope Amir Arham Anggita R. Suleman Anggriani M. Usman Anisa Hamzah Anjelita Pajiri Annisa Meliyana Antu, Sri Rahmita aqil bahsoan Ardiansyah Ardiansyah ARDIANSYAH ARDIANSYAH Ardiansyah Ardiansyah Ardianyah Ardianyah Arief Abdul Gani Arifin, Rismawati Astina Atmanda Mokodompit Ayuba, Yasinta Bilale, Ida Safitri Boby Rantow Payu Buge, Maulina Apriani Bumulo, Frahma Bumulo, Frahmawati Citra Olii Cristian Polamolo Dali, Miyanti Dama, Maya Novrita Damiti, Fatmawati Daniel Decaprio Doloksaribu Dea Pratiwi Kaharu Della Agustina Djalil Denisa Anataya Harliyana Dewa Ayu Lestari Dewanti Tegila Diah Anggriani Albert Djafar, Resti Dula, Risnawati Y. Dwi Rantikawati Potutu Fahrudin Zain Olilingo Fandriananto Sayedi Fatmawati F. Kowiloy Fatmawaty Damiti Fatmawaty Damiti Fauzia Otoluwa Febriyani Pioke Febriyanti Mardjun Fitri Hadi Yulia Akib Fitri Usman Fitriansyah Nusi H. Lamusu, Nur Fadhilah Hadji, Sriwulandari Hafid, Fadila Hamdi Lapananda Hamsa, Deyski Harun Blongkod Hisa, Igan Huntehu, Rahmatias Husen Arifin Ibrahim, Juliyanti Ibrahim, Muzakir ilham djafar Imam Prawiranegara Gani Indah Dwi Wahyuni Bajuka Indayani Indayani, Indayani Irawati S Amin Irina Popoi Irwan Yantu Isma A. Latif Isnawati Abas Ivan Rahmat Santoso Jaati, Kurniawan I. Juliyanti Amrain K. Adam, Vira Deyanti Karsum Balaga Kasim, Mamang Koniyo, Rierind Koniyo Lahay, Nandri Laiya, Susilawati Lamusu, Harson Lasena, Chany Apriani Latiki, Debi Sintia Lestari, Astina Indah Lingude, Mamit Lukman A. R. Laliyo Mahmud, Mohamad Reza Maladjai, Hidayat Malatani, Rosita Mamu, Nurfirly Oliviana Maruae, Abdulrahim Maryam Lasena Maya Novrita Dama Melizubaida M ahmud Melizubaida Mahmud Meyiko Panigoro Meyko Panigoro Meyko Panigoro Meyko Panigoto Miftakhul Jannah A Dani Miranda Sumaila Miranti Paparang Moha, Sutrinda Mohamad, Puja Mohune, Yusup I. Mongilong, Miya Purnama Muhamad Rizki Muhammad Amir Arham Mutia Lestari Hasan Nadia Putri Randio Nadiya Fitriana Diko Nashrullah, Muhammad Neva Lionitha Ibrahim Ni kadek Sariani Ningsi, Sri Nur Aprilyani B. Luawo Nur Febriyanti Liputo Nur Ilmi Nurlian Mokoginta Nurnaningsi Eka Putri Nurul Maulida Alwi Olis Ahbabuna Pajiri, Risna Pasoo, Rifal Pein Hiola Peris Igirisa Podungge, Rahmawati Podungge, Rani Setyo Polamolo , Cristian Pontoh, Siti Nurhaliza Putri Fahmi, Elfatya Putri Marista Husna Radya Pratiwi Amsir Raflin Hinelo Rahayu R Ahmad Rahma Blongkod Rahmat M. Bidalo Rantiaristi Tou Ratna Ahmad Raymondo Guga Revalina Madingo Ridha Hafid Rierind Koniyo Rierind Koniyo Rika Wati Mahmud Rini Lukum Ririend Koniyo Ririend Koniyo Risca Marsanti Halid Risca Marsanti Halid Rizal Wange Rosman Ilato Roy Hasiru RR. Ella Evrita Hestiandari S. Habibullah, Nurnaningsi Sanusi, Eriyanti Shintia Kodu Silpana D. Batalipu Siswahyudianto Siti Rachmatiya Lastmi Dehi Sofiyanti, Vina Sri Asmi Hatim Sri Endang Saleh Sri Indriyani S. Dai Sri Nindra Mohulaingo Sri Nindra Mohulaingo Sriwanda Bouato Sudirman sudirman sudirman Sudirman Sudirman Sudirman Sudirman Suleman, Srimulyani Surahmad Laya Talapa, Rinariyani Tamu, Wikta Tiralawe, Yulianti Tongkad, Arnila Torawale, Yulianti Torowale, Yuliyanti Trias A. Rahman Umin Kango usman monti Usman Moonti Usman Moonti Usman Moonti Usman Moonti Usman Moonti Usman Moonti Usman Moonti Usman Y. Lapasau Vina Sofiyanti Wahyu Fratama Gonibala Waladow, Mirman Wange, Bayu Yahya, Nur Octaviani S. Yulianti Tolarawe Yulianti Toralawe Yunanda Andalangi Yusliani Husain