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All Journal JURNAL ECONOMIA E-Jurnal Ekonomi dan Bisnis Universitas Udayana Gadjah Mada International Journal of Business Panrita Abdi - Jurnal Pengabdian pada Masyarakat JMM (Jurnal Masyarakat Mandiri) JCES (Journal of Character Education Society) Jurnal Ekonomi Pembangunan Abdi Dosen : Jurnal Pengabdian Pada Masyarakat PEKBIS Jurnal Ekonomi Pembangunan Optimum: Jurnal Ekonomi dan Pembangunan
Nury Effendi
Fakultas Ekonomi Dan Bisnis, Universitas Padjadjaran
Religion Humanities Economics, Econometrics & Finance Education Public Health Social Sciences Other

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Do Financial Knowledge and e-Payment Awareness Affect Saving and Spending Behavior? The Mediating Role of Financial Risk Tolerance Dewi, Vera Intanie; Effendi, Nury; Ervani, Eva; Sapulette, Militcyano Samuel
Gadjah Mada International Journal of Business Vol 27, No 2 (2025): May-August
Publisher : Master in Management, Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/gamaijb.83409

Abstract

This study investigates the role of financial risk tolerance in mediating the impact of financial knowledge and e-payment awareness on saving and spending behavior. A total of 400 questionnaires were distributed, with 396 completed by respondents and used for analysis. This research employs partial least squares-based structural equation modeling (PLS-SEM) to validate and estimate the proposed research models, with Smart- PLS software analyzing the data and estimating the relationships between its latent variables. Our study’s estimation provides evidence of the positive and significant role of financial risk tolerance in mediating the impact of financial knowledge and e-payment awareness on spending and saving behavior. This study also reveals differences in the level of financial risk tolerance between male and female participants. Furthermore, the analysis results indicate that most younger people have a risk tolerance level (i.e., risk profile) that falls into the medium (i.e., risk-averse) category in terms of risk speculation, invest- ment risk, and financial risk evaluation.
INCREASING GREEN BUSINESS LITERACY THROUGH ICT (INFORMATION AND COMMUNICATIONS TECHNOLOGY) FOR MSME BUSINESS PLAYERS Ervani, Eva; Effendi, Nury; Indupurnahayu, Indupurnahayu; Intanie Dewi, Vera; Shinta Aminda, Renea; Samuel Sapulette, Militcyano
Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 7 No. 2 (2023): JUNI
Publisher : LPPM Univ. Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/abdidos.v7i2.1778

Abstract

Green business through ICT (Information and Communications Technology) is one way to make resources efficient. One example of the application of ICT in business is buying and selling that is done online or online business. The limited understanding of MSME business actors regarding the application of ICT in green business activities prompted the team of authors to carry out socialization by holding a training (workshop) "Increasing MSME competitiveness through green business". One of the topics was “Green business through ICT”. The purpose of this training is to increase the understanding and literacy of MSME actors regarding the application of ICT in green business activities. The method of the workshop is lectures, training, discussions, and questions and answers between speakers and workshop participants who are MSME actors in the cities of Bandung and Bogor. The results of the workshop activities show an increase in literacy, understanding, and insight into green business through ICT from MSME business participants. Through this workshop, information was also obtained that not all MSME actors have implemented green business through ICT in their business. From the results of the interaction during the implementation of the workshop, information was obtained that all participants stated that the workshop activities provided benefits.
Co-Authors Anhar Fauzan Priyono Anhar Fauzan Priyono Budiono Budiono Budiono Eva Ervani Eva Erviani Fitri Hastuti Hasna Nabilah Indupurnahayu Intan Dana Lestari Lisa Gusmanita Militcyano Samuel Sapulette Militcyano Samuel Sapulette Militcyano Samuel Sapulette Ranynda Niarachma Renea Shinta Aminda Rudi Kurniawan Samuel Sapulette, Militcyano Sapulette, Militcyano Samuel Teguh Santoso Vera Intanie Dewi Wa Ode Zusnita Muizu