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All Journal JURNAL BISNIS STRATEGI JREC (Journal of Electrical and Electronics) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Journal of Artificial Intelligence and Digital Business
Muhammad Deny, Muhammad
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering

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Journal : JURNAL BISNIS STRATEGI

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Financial Literacy and Behavior of Indonesian Diaspora Women: A Study of Muslimah Humairah Community in South Korea Maulidina, Alma Syifa; Deny, Muhammad; Prayoga, Widi; Purnomo, Budi Supriatono; Purnamasari, Imas
JURNAL BISNIS STRATEGI Vol 34, No 1 (2025): July
Publisher : Master of Management, Faculty of Economics and Business, Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jbs.34.1.52-62

Abstract

This study aims to analyze the influence of Financial Literacy and Financial Behavior on Financial Stability among Indonesian diaspora women in South Korea, specifically within the Muslimah Humairah Community. Using a quantitative approach and a descriptive-verificative design, data were collected through a structured questionnaire from 88 respondents. The research employed multiple linear regression analysis and tested the classical assumptions, including normality, multicollinearity, heteroskedasticity, and autocorrelation. The results demonstrate that both Financial Literacy and Financial Behavior have a significant positive effect on Financial Stability. Financial Literacy plays a more dominant role, with a standardized coefficient (Beta) of 0.783, compared to Financial Behavior, which has a Beta of 0.173. The regression model explains 79.4% of the variation in Financial Stability (R² = 0.794), confirming its robustness. These findings highlight the importance of integrating financial education with practical behavioral interventions to foster economic resilience. Improving financial knowledge and encouraging disciplined financial habits can empower diaspora women to achieve greater financial stability, particularly in the face of economic challenges in a foreign country.
Co-Authors Agus Rahayu Fitri Lestari, Fitri Handoko, Irfan Heny Hendrayati Heryana, Nono Imas Purnamasari Kurniawan, Cristophorus Kurniawan, Cristoporus Esandra Murta Maulidina, Alma Syifa Prayoga, Widi Purnomo, Budi Supriatono Rabiul Awal, Rais Iqbal Rusfian Effendi Seta Samsiana Setyo Supratno Yudha Rahman, Shandika