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All Journal JIET (Jurnal Ilmu Ekonomi Terapan) Southeast Asian Business Review
Oladapo, John Tawiah
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Interplay of Financial Literacy on the Financial Behavior and Well-being of Young Adults: Evidence from Nigeria Sajuyigbe, Ademola Samuel; Adegun, Emmaunel Aderinola; Adeyemi, Francis; Johnson, Adebayo Akanbi; Oladapo, John Tawiah; Jooda, Dayo Taiwo
Jurnal Ilmu Ekonomi Terapan Vol. 9 No. 1 (2024)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v9i1.56411

Abstract

The financial stability of young adults worldwide is under threat due to widespread impulsive online purchasing and the economic strain brought on by the COVID-19 pandemic. This study, therefore, examines the role of financial literacy as a mediator between financial behavior and the financial well-being of young adults, specifically in Nigeria. The research involved 120 respondents, 60 undergraduate and 60 postgraduate students from three selected universities in Western Nigeria. Information was gathered through a structured questionnaire. Data analysis was conducted using Structured Equation Modeling with STATA version 15. The findings reveal a positive association between financial behavior and financial well-being, although this relationship lacks statistical significance. However, significant positive correlations are observed between financial literacy (FL) and financial well-being (FW), as well as between financial behavior (FB) and financial literacy (FL). Furthermore, the analysis uncovers a positive indirect effect of financial literacy on the relationship between financial behavior and financial well-being. This suggests that while the direct link between financial behavior and well-being may be weak, improved financial behavior can indirectly enhance well-being through heightened financial literacy. In essence, the study underscores the crucial role of financial literacy in improving young adults' financial behaviors and well-being. By investing in education, support services, and policies that encourage positive financial behaviors, both individuals and policymakers can collaborate toward constructing a more financially secure future for the younger generation.
Digital Literacy as a Mediator Between Digital Finance Adoption and Financial Inclusion Among SMEs in Oyo State, Nigeria Sajuyigbe, Ademola Samuel; Obi, Nwoye James; Oladapo, John Tawiah; Adegun, Emmanuel Aderinola; Adedoyin, Adewumi Ramat; Dunsin, Abimbola Tolulope
Southeast Asian Business Review Vol. 3 No. 1 (2025)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/sabr.v3i1.67731

Abstract

The study investigates the mediating role of digital literacy in the relationship between digital finance and financial inclusion among SMEs in Oyo State, Nigeria. Data were collected through a questionnaire administered to 298 SME CEOs across the Agro-allied, Manufacturing, Education, and Construction sectors. Path Analysis Structural Equation Modelling (PA-SEM) was employed as the primary analytical technique. Findings reveal that digital finance significantly enhances financial inclusion, while digital literacy also exerts a strong positive influence on financial inclusion. Furthermore, the analysis shows that digital literacy partially mediates the relationship between digital finance and financial inclusion, as confirmed through bootstrapping. This highlights the critical role of digital literacy in amplifying the benefits of digital finance for financial inclusion. The results suggest that SMEs with higher digital literacy levels are better equipped to utilize digital finance tools, such as mobile money, online banking, and payment platforms, thereby achieving greater financial inclusion. Consequently, it is recommended that SMEs prioritize developing the digital skills of their operators and employees to maximize the advantages offered by digital finance solutions.
Co-Authors Adedoyin, Adewumi Ramat Adegun, Emmanuel Aderinola Adegun, Emmaunel Aderinola Adeyemi, Francis Dunsin, Abimbola Tolulope Johnson, Adebayo Akanbi Jooda, Dayo Taiwo Obi, Nwoye James Sajuyigbe, Ademola Samuel