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All Journal Journal of Business and Behavioural Entrepreneurship Berdikari : Jurnal Ekonomi dan Statistik Indonesia
Arsuni
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Economics, Econometrics & Finance

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The Effect of Financial Technology (Fintech) and Financial Literacy on the Financial Behaviour of Millennials in Indonesia: The Mediating Role of Financial Attitude Lidiana; Arsuni; Madrianah
Journal of Business and Behavioural Entrepreneurship Vol 8 No 1 (2024): Journal of Business and Behavioural Entrepreneurship
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JOBBE.008.1.08

Abstract

This study investigates the impact of Financial Technology (Fintech) and financial literacy on the financial behavior of millennials in Indonesia, with financial attitude acting as a mediating variable. As a global phenomenon, Fintech has revolutionized financial transactions through digital payments, online lending, investments, and personal financial management, significantly influencing millennials who are early adopters of these technologies. This demographic's responsiveness to Fintech results in reduced financial costs and improved financial management. Additionally, financial literacy and positive financial attitudes are crucial in shaping responsible financial behavior. This research highlights the necessity of understanding geographical, cultural, psychological, and social factors in the context of Fintech adoption and financial literacy, emphasizing the need for targeted educational programs and policies. Using a quantitative survey design with a sample of 300 Indonesian millennials aged 22-42, data was collected via online questionnaires and analyzed using Structural Equation Modeling (SEM). The findings reveal that both Fintech adoption and financial literacy positively influence millennials' financial behavior, with financial attitude significantly mediating the relationship between financial literacy and financial behavior. This study provides insights into enhancing financial literacy and Fintech adoption through effective education and public policies, contributing to better financial management among millennials.
Pengaruh Pelayanan Publik dan Kinerja Pegawai Terhadap Kepuasan Masyarakat pada Kantor Desa Jangkang Baru Kecamatan Lahei Barat Arsuni
Jurnal Ekonomi Dan Statistik Indonesia Vol 5 No 1 (2025): Berdikari: Jurnal Ekonomi dan Statistik Indonesia (JESI)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/jesi.05.01.06

Abstract

This study aims to analyze the influence of public servants and employee performance on community satisfaction. Using descriptive analysis methods and statistical analysis methods. Questionnaires were distributed to 90 respondents at the Jangkang Baru Village Office, Lahei Barat District.The results of the Standardized Coefficients Beta value of the public service variable are greater than the other independent variables, namely 0.221. The results of the significance test T test value 2.123> 1.987 the second hypothesis is accepted. Table Fcount > Ftable of 5.216 > 3.10 is declared significant. Public services and employee performance simultaneously have a significant effect on community satisfaction. Standardized Coefficients Beta value of public services (0.221) and employee performance (0.196) on community satisfaction. The results of the coefficient of determination R Square is 10.7% and the remaining 89.3% is influenced by variables outside the study.
Co-Authors Lidiana Madrianah