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All Journal Journal of Economics, Business, & Accountancy Ventura Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal Akuntansi STIE Muhammadiyah Palopo Syntax Literate: Jurnal Ilmiah Indonesia Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Nusantara Science and Technology Proceedings Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) ETNIK : Jurnal Ekonomi dan Teknik Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak JAKPI Jurnal Kewirausahaan, Akuntansi, dan Manajemen TRI BISNIS Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) IIJSE JIEMAN: Journal of Islamic Educational Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Hero Priono, Hero
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Journal : JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)

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Pengaruh Fintech Dan Self Control Terhadap Pengelolaan Keuangan Dimoderasi Literasi Keuangan Mayasari, Eka; Trisnaningsih, Sri; Priono, Hero
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 9 No 2 (2025): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v9i2.31719

Abstract

This study aims to analyze the influence of fintech and self-control on financial management among MSMEs in West Surabaya, as well as to examine the moderating role of financial literacy in this relationship. With the rapid development of fintech, many MSME actors are utilizing fintech to optimize their financial management. However, the effectiveness of fintech usage is influenced by the level of financial literacy among MSME actors. This research employs a quantitative approach with purposive sampling technique. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method via the SmartPLS 4 application. The results of the study show that both fintech and self-control have a positive and significant impact on financial management. Financial literacy was found to significantly moderate the relationship between fintech and financial management, but it does not moderate the relationship between self-control and financial management. This study contributes to the development of MSME financial management strategies in the digital era and provides important insights into the importance of financial literacy in optimizing the use of fintech
Co-Authors Audika, Brian Aufa Moerrin, Dimas BADLIN, SABRINA Budiwitjaksono, Gideon Setyo Cahyanto, Farid Nabil Endah Susilowati Erfada, Naufal Erliya Wati, Fitri Erna Sulistyowati Famiyanti, Riski Fitri Nurjannah, Eka Frediyanto, Jaya Harjono, Natasya Ramadhanty Hastuty, Agnia Medina Hidajat, Sjarief Idris, Moch Indrawati Yuhertiana Kania, Niken Yofi Mayasari, Eka Muslimin Nafisa, Nadia Farah Nur Rachmawati, Zaroh Winda Nurbani Masjidha, Rifdha Nurmatama, Muhammad Rafie Pamungkasari, Shandra Agusti Puspaningrum, Faluthia Fitri Putri Oktavia, Redita Putri, Elsa Triandhani Putri, Elsa Triandhani Rahman, Wildan Arindra Rida Perwita Sari Rina Moestika Setyaningrum Sakti Anggoro Putra, Bima Santoso, Arif Rahman Budi Sri Hastuti Sri Trisnaningsih Widiyanti, Rosalia Wijaya, Dimas Azharino