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Widiawati Widiawati, Widiawati
Universitas Sriwijaya
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Financial literacy, fintech adoption, and school financial management effectiveness: a mediation analysis Santoso, Yulianto; Widiawati, Widiawati
Jurnal Konseling dan Pendidikan Vol. 14 No. 1 (2026): JKP
Publisher : Indonesian Institute for Counseling, Education and Therapy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/1197900

Abstract

As the implementation of digital financial systems in schools becomes increasingly widespread, understanding the various factors that can enhance the effectiveness of financial management becomes highly crucial. This study aims to examine the effect of financial literacy on the effectiveness of school financial management, with the implementation of FinTech serving as an mediating variable. The study employed a census design involving all 117 public vocational high school principals in West Sumatra Province (100% response rate). Data were collected using a structured questionnaire consisting of 18 items measured on a five point Likert scale assessing financial literacy, FinTech adoption, and financial management effectiveness. The hypotheses were tested using PLS-SEM with the support of SmartPLS 4.0 software. Financial literacy significantly influences the effectiveness of school financial management (β = 0.581, p < 0.000) and also has a significant indirect effect through FinTech adoption (β = 0.195, p < 0.000), indicating partial mediation. These findings highlight the importance of enhancing FinTech and adopting FinTech to sustainably improve the effectiveness of financial management. The findings demonstrate that FinTech adoption partially mediates the relationship between financial literacy and financial management effectiveness, highlighting the strategic role of digital financial integration in strengthening school governance.
Co-Authors Achyar, Nofriyanti Achyar, Novriyanti Adiansyah, Marta Afiah, Indah Asmaul Afriana Afriana Ahyar Alimudin Al Kadri, Hanif Aldimas Arya Pramuditha Alkadri, Hanif Alviandini, Indriani Amiro, Suratno Andalika, Anggie Andini, Zahra Ani Nuraini, Ani Nuraini Anis Rachma Utary Anisah Annisa Fitria Arif Haryana, Arif Haryana Asih, Eka Nurrahema Ning Asmaul Alfiah, Indah Aswita, Nova Asyifani Putri, Aulia Auliya Izza, Rizki Baitillah, Nur Candriani, Saras Cintani, Destania Danuarta, Refki Ekhsan Deniansyah, Deniansyah Dirgantara, Topan Emilia Emilia Ermita Ermita Etty Suryawati Fakhrina, Silmi Fara, Yetty Dwi Fitri, Dhynne Risha Garini, Ardiya Gde Putu Yoga Widyawan Ginanjar, Singgih Hairunnisa, Vivi Handayani, Diren Handika, Handika Harianja, Sri Hartini Hasburrahman, Hasburrahman Heni Pujiastuti Ida Ayu Putu Sri Widnyani Indah Widyaningrum Indrayati, Helni irsyad, irsyad Islamy, Diah Putri Izza, Rizki Auliya Jannatin, Annisa Jaya Jaya Jeckson Siahaan Julius, Andre Junjunan, Mochammad Ilyas Juwita, Rahma Karwiti, Witi Khabibah, Khilwa Khantika, I Made Kusuma Ningrum, Eni L. M. Panji Satria Sulambang Lalu Ilpan Hanapi Lalu Masyhudi Lestari , N. Rita Sri Lestari, Fajar Ria Lestari, Reza Lia Yuliani Lusi Susanti, Lusi Magfirah, Nurul Mahendra, Iqbal Dwi Stiadi Majdi, Ahmad Rif’an Malnava, Iis Mardianton, Mardianton MARIA BINTANG Maulida, Herlina Mayasari, Adet Tyas Millah, Raden Muhammad Ilham Saeful Muh. Yazid Muhammad, Afriady Nuur Muhsin N Bailusy Mukles, M. Ikhsan Musviyanti Musviyanti Nadrah, Nadrah Nazah, Farida Nurun Nellitawati Nellitawati Neni Lismareni, Neni Ni Kadek Wulandari Nur Haida Nurhizrah Gistituati Pratama, Gama Pujiati Pujiati Putri, Aulia Asyifani Rachmaniar, Ananda Rahayu, Chika Rahayuningsih, Endang Rahmat Fadhli Ramatillah, Diana Laila Retno Wulandari Rindiani, Ani Rosidah Rosidah Rudi Harjo Sabandi, Ahmad Salam, Mochamad Fadlani Salsabila, Farras Khalda Santoso, Yulianto Saprizal Hadisaputra Serli Marlina Setiawati, Merika Shabah, Musyaffa Amin Ash SITI MARYAM Sukarnoto, Toto Sukraini, Ade Thahir, Muthahharah Trian, Novi Wahyu Pratama Wildanah, Fifin Wirajaya, Okta Wulandari, Zakia Yaswinda Yaswinda Zahira, Safina