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All Journal International Journal of Business Economics (IJBE) Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Linda Putri Nadia
Universitas Muria Kudus
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Financial Literacy: Unravelling The Interplay of Psychological Dynamics and Social Influences on Financial Behaviours Dian Wismar'ein; Linda Putri Nadia; Indah Puspita Maharani
International Journal of Business Economics (IJBE) Vol 7, No 2 (2026): MARCH - AUGUST 2026
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ijbe.v7i2.27626

Abstract

Purpose – This study investigates key determinants of personal financial management behaviour among Indonesian millennials, focusing on the roles of financial literacy, attitude toward money, locus of control, and financial socialisation sources, including parents, peers, media, and social media.Methodology – Data were collected through an online questionnaire using purposive sampling and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM).Findings – The results show that financial socialisation, parental socialisation, social media, and peer and media influences positively affect millennials’ attitudes toward money and financial management behaviour. External locus of control does not directly influence financial behavior but indirectly mediates the effects of financial socialization and peer and media influence. Attitude toward money mediates the influence of family financial socialization and peer and media exposure. In contrast, financial literacy mediates the impact of family financial socialization, peers, media, and locus of control on financial behavior.Originality/Novelty – This study offers an integrated model that combines psychological factors and diverse financial socialization agents to explain millennial financial behavior. This area remains underexplored in the Indonesian context.Implications – The findings highlight the need for targeted financial education initiatives that strengthen socialization pathways and enhance financial literacy to improve millennials’ financial management practices.
Who Governs Bank Stability Amid Crises? Evidence From Broad Characteristics, Risk, and Performance Linda Putri Nadia; Izza Ashsifa; Izzat Firdausi; Anton Satria Prabuwono
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 18 No. 1 (2026): Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.23776

Abstract

Introduction: This study explores a relatively under-researched area in Indonesia, namely the influence of women board members on bank performance and risk. This study fills a crucial gap in the literature on the influence of board characteristics on bank risk-taking and performance in Indonesia, a country in Asia with characteristics distinct from those of European countries. We investigate the impact of board characteristics on bank risk and performance. Methods: We used unbalanced panel data comprising 594 bank-year observations from Bank Indonesia for 2003-2022 and tested the model using a fixed-effects model, controlling for bank and year effects  Results: This study found that women board members have a positive effect on bank performance and a negative impact on bank risk. On the other hand, we find robust results related to women directors have a positive impact on bank performance and a negative impact on bank risk, even though examined with different models and proxies. On the other hand, Board size positively affects bank stability but shows no consistent impact on credit risk or performance during crises. In contrast, board independence is negatively associated with stability and weakens bank performance during crisis periods. Conclusion and suggestion: This research can contribute to the government’s attention to the importance of gender diversity on boards of directors. These study results can also guide other developing countries with similar legal systems.
Co-Authors Anton Satria Prabuwono Dian Wismar’ein Indah Puspita Maharani Izza Ashsifa Izzat Firdausi