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All Journal Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Ilmiah Ekonomi Islam International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Fokus Manajemen Bisnis Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Management and Business Insight
Desta Rizky Kusuma, Desta Rizky
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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FINANCIAL KNOWLEDGE AND FINANCIAL BEHAVIOR: THE ROLE OF SELF-EFFICACY AND FINANCIAL ATTITUDES Hidayat, Taufik; Fikri, Muhammad Ali; Kusuma, Desta Rizky
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 7 No 4 (2023): IJEBAR, Vol. 7 Issue 4, December 2023
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v7i4.10739

Abstract

Young people are vulnerable people with various problems, especially financial problems. To overcome financial problems, individuals must understand well about financial knowledge, self-efficacy, financial attitudes and also financial behavior. Researchers wanted to analyze the role of self-efficacy and financial attitudes on the effect of financial knowledge on financial behavior. The respondents of this study were generation Z in Yogyakarta with a sample of 80 respondents. Data from respondents were processed with the Structural Equation Model (SEM) with the Smart PLS 4.0 statistical tool. The results of this study show that financial knowledge has an effect on financial behavior, self-efficacy mediates the effect of financial knowledge on financial behavior, financial attitudes mediate the effect of financial knowledge on financial behavior.
Sikap Keuangan Dan Pengetahuan Keuangan Terhadap Kemampuan Keuangan: Peran Perilaku Keuangan Pada Sektor Usaha Produk Halal Kusuma, Desta Rizky; Fikri, Muhammad Ali; Putra, Ulinnuha Yudiansa
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9044

Abstract

Financial literacy is one of the important aspects for organizations to be able to manage their financial resources optimally. This study aims to determine the effect of financial attitude, financial knowledge, and financial inclusion on financial ability with financial behavior as a mediating variable. This study used a sample of 180 from Micro, Small and Medium Enterprises (MSMEs) in the halal product business sector. The data processing technique used in this study is the structural model equation technique using the Smart PLS 3.0 software. The results showed that financial attitude has a positive effect on financial behavior, financial knowledge has a positive effect on financial behavior, financial behavior does not have a positive effect on financial capability, financial attitude does not have a positive effect on financial capability, financial knowledge does not have a positive effect on financial capability, financial behavior does not mediate the positive effect of financial attitude on financial capability, financial behavior does not mediate on the positive effect of financial knowledge on financial capability.
Co-Authors Aminuyati Anangsyah, Nico Anggraini, Sinta Putri Fikri, Muhammad Ali Kusumasari, Indah Prasetyo, Yogi Agung Putra, Ulinnuha Yudiansa Putro, Dimas Nur Setiantoso Taufik Hidayat Trilestari, Annisa Widyawati, Devi