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All Journal Akademika : Jurnal Manajemen, Akuntansi, dan Bisnis Jurnal Pemberdayaan Masyarakat Madani (JPMM) JRMSI - Jurnal Riset Manajemen Sains Indonesia Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Jurnal Entrepreneur dan Entrepreneurship SULTANIST: Jurnal Manajemen dan Keuangan FIRM: Journal of Management Studies International Journal of Business, Law, and Education Journal of Applied Business, Taxation and Economics Reseach Brilliant International Journal of Management and Tourism (BIJMT) Jurnal Pendidikan Administrasi Perkantoran (JPAP) Economics and Business Journal Brilliant International Journal of Management and Tourism International Journal of Economics and Management Research
AMELIA SETYAWATI, AMELIA
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Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other

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Journal : Journal of Applied Business, Taxation and Economics Reseach

 1 
The Effect of Financial Literacy and Inclusion on Personal Financial Management with Fintech as a Moderating Variable Setyawati, Amelia
Journal of Applied Business, Taxation and Economics Research Vol. 4 No. 6 (2025): August 2025
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v4i6.524

Abstract

This study examines the role of financial technology (fintech) as a moderating variable in the relationship between financial literacy and financial inclusion on personal financial management among the productive age group in Malang City. The research approach used is explanatory quantitative with purposive sampling technique, resulting in 113 respondents who met the criteria. The data were analyzed using multiple regression analysis and Moderated Regression Analysis (MRA) with the help of SPSS 22. The results show that: (1) financial literacy has a positive and significant effect on personal financial management; (2) financial inclusion does not have a significant effect on personal financial management; (3) fintech cannot moderate the effect of financial literacy on personal financial management; (4) fintech is proven to moderate the effect of financial inclusion on personal financial management. These findings reveal the complexity of the dualistic role of fintech—on the one hand, it is unable to strengthen the influence of financial literacy, but on the other hand, it has succeeded in transforming financial access into better management capabilities. This study makes an important contribution to the development of financial behavior theory in the digital era and has practical implications for regulators and fintech service providers in designing more effective financial education and digital financial service strategies.
Investment Motivation, Technological Advancement, and Financial Literacy on Investment Interest in the Capital Market Setyawati, Amelia
Journal of Applied Business, Taxation and Economics Research Vol. 4 No. 6 (2025): August 2025
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v4i6.525

Abstract

The study seeks to investigate how factors such as investor enthusiasm for investments, innovations in technology, and knowledge about finance influence people's inclination towards participating in stock trading markets. The study employs this quantitative methodology by gathering initial information through questionnaires. A targeted selection method was employed for choosing the study participants. The research gathered data from over 130 participants across various beginner stock investor forums located in Eastern Indonesia. This study employed multivariate analysis through linear regression techniques. Investment incentives influence investor engagement within financial markets. Technological advancements significantly influence investor enthusiasm. Partially, financial literacy influences investment enthusiasm significantly
Co-Authors Abdurohim Abdurohim, Abdurohim Acai Sudirman Adelia Rahma Anggreani, Jenni Annisa, Rosalina Nur Binti Mohd Mustamil , Norizah Christina Yanita Setyawati, Christina Yanita Chusnu Syarifa Diah Kusuma Dian Anita Nuswantara Dimas Putri Mega Pratesa Djoewita Doloksaribu, Winda Sri Astuti Efendi Efendi Eka Yudhyani, Eka Eko Juni Wahyudi Eny Lestari Widarni Eva Mufidah Farij Ibadil Maula Fatimah Febrina, Reni Feni Azadilah Fitria Halim Hadikusumo, Reina A. Herning Indriastuti Ibadil Maula, Farij Irianto Uripan, Koen Juan Anastasia Putri Kevin Indajang Lenny Dermawan Sembiring Lestari, Deara Shinta Ludi Wishnu Wardana Maula, Farij Maula, Farij Ibadil Mustikarini, Carolina Novi Nani Nani Ni Luh Putu Sri Purnama Pradnyani Nishantha, Busige Novi Trisnawati Nurika Restuningdiah Nyuherno Aris Wibowo Ogunjemilua, Emmanuel Makanjuola Puspo Dewi Dirgantari Rahma, Adelia Rahman, Iradah Raya Sulistyowati Rayyan Sugangga Seseli, Eka Merdekawati Imelda Setiyawami Setiyawami Sholichah, Fatmawati Soehartatiek, Soehartatiek Sudarjo Sugangga , Amelia Sugangga, Amelia Sugangga, Rayyan Susantiningrum SUTOMO Sutoyo Syahar Banu, Syahar Syamsuddin Syamsuddin Wahid, Moehammad Nasri Abdoel Wahyuningtyas, Rizkha Asih Wakhyuni, Emi Zukhruf, Ratu Dintha Insyani