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All Journal Jurnal Ekonomi dan Bisnis Jagaditha Jurnal Keuangan dan Perbankan Kinerja: Jurnal Ekonomi dan Manajemen Akuntabel : Jurnal Ekonomi dan Keuangan Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi JURNAL MANAJEMEN SENTRALISASI Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Jurnal Ilmu Manajemen Mulawarman (JIMM) Jurnal Ilmu Ekonomi Mulawarman (JIEM) Innovative: Journal Of Social Science Research ABDIMU Jurnal Pengabdian Kepada Masyarakat FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi
Felisitas Defung
Universitas Mulawarman
Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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AN INTEGRATIVE MODEL OF FINANCIAL DECISION MAKING: THE MEDIATING ROLE OF FINANCIAL MANAGEMENT BEHAVIOR BETWEEN RISK PERCEPTION AND FINANCIAL ATTITUDE Nilawati; Felisitas Defung; Wirasmi Wardhani
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 3 (2026): June (ON PROGRESS)
Publisher : CV. Radja Publika

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Abstract

Financial decision-making in public organizations is complex because of accountability pressures and environmental uncertainty. This study aimed to examine the influence of risk perception and financial attitude on financial decisions, with financial management behavior as a mediator. A quantitative approach was used with an explanatory design and structural equation modeling–partial least squares analysis on data from regional government organization employees. The results indicate that risk perception and financial attitude have significant positive effects on financial management behavior and financial decisions. Financial management behavior is proven to be the strongest determinant and partial mediator, linking psychological factors to financial decisions. These findings confirm that financial decisions are influenced not only by cognitive evaluations but also by concrete management behavior. The research contribution lies in the integration of the behavioral finance approach and the theory of planned behavior in the public sector context. Practical implications emphasize the importance of strengthening financial management behavior to improve the quality of rational and accountable decisions.
FINANCIAL ANXIETY AND FINANCIAL MANAGEMENT BEHAVIOR AMONG PUBLIC EMPLOYEES: THE MEDIATING ROLE OF FINANCIAL SELF-EFFICACY Iwan Sariono Sukadi; Felisitas Defung; Wirasmi Wardhani
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 3 (2026): June (ON PROGRESS)
Publisher : CV. Radja Publika

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Abstract

Financial management behavior has become a critical concern in the global behavioral finance literature because financial anxiety increasingly affects household decision-making, employee well-being, and workplace functioning. Although previous studies consistently acknowledge the negative role of financial anxiety, the psychological mechanisms explaining how such anxiety translates into actual financial behavior among public employees remain underexplored. This study aims to examine the effect of financial anxiety on financial management behavior among civil servants in Balikpapan City, with financial self-efficacy tested as a mediating mechanism. Using a quantitative explanatory design, data were collected from 364 civil servants and analyzed through PLS-SEM with SmartPLS. The findings reveal that financial anxiety directly weakens financial management behavior and indirectly reduces it through lower financial self-efficacy, while financial self-efficacy emerges as the strongest predictor of positive financial behavior. This study contributes theoretically by extending social cognitive theory into the public sector financial behavior context and offers practical implications for employee financial wellness interventions. The explicit novelty lies in demonstrating financial self-efficacy as the central psychological bridge linking financial anxiety to civil servants' financial management behavior.
Co-Authors Abdi Putra Prakoso Afandi, Arif Agustina Agustina Aidilla Evasari Amanda, Rafly ANDIK SUPRIYATNO Anggi Kurnia Sari Anggita Pradnya Paramytha Anis Rachma Utary Anis Rachma Utary Anis Rachma Utary Ario, Muhammad Arlinda, Alya Dadang Lesmana Dea Eka Manisa Dedy Supriyadi Dela Farah Diba Diah Putri Aji Pradipta Diniyah, Nur Rizqi Djoko Setyadi Doddy Adhimursandi Dwi Agustina Echa HIKMAWATI SUNDARI Elisa Nanda Ristia Fathanah, Muhammad Halim Fathunnida Fathunnida Fathunnida, Fathunnida Fatmawati Lestari firliyanti firliyanti Ganda Pratama Hairul Anwar Hairul Anwar Hairul Anwar Hairul Anwar Hairul Anwar, Hairul Hairul Azka anwar Hanifah Hanifah HERRY RAMADHANI Indah Yulia Citra Indra Muska Setiawan Irsan Tricahyadinata Ismiatul amalia Iwan Sariono Sukadi Jonathan P.H Sinaga Jovan Lo, Jesen Kadafi, M. Amin Kamat Apriyanto Karim Maulana Kartika Aprilia Ivani Lorensas Julia Olivianty M. Amin Kadafi M. Amin Kadafi Manisa, Dea Eka Maryam Nadir Maryam Nadir Melati Saputri Meqitriz Yanuari H Meuthia Sri Agustin Muhammad Amin Kadafi Muhammad Febryanto Muhammad Fiisalam Kharisa Muhammad Reza Satria Muhammad Reza Satria, Muhammad Reza Muhammad Yusran Masyhuri Musdalifah Azis Musdalifah Aziz Nadira, Nadira NILAWATI Novi Rahma Yani Nugroho, Dicky Rachmad Nur Fadhilah Prakoso, Abdi Putra Pratama, Ganda Puput Pratitis Putri, Cici Dwi Ananda Rafly Amanda Rasidah Rasidah, Rasidah Rega Waydi Andini Regina Gemelly Resti Windaridatul Asri Rizki Yuliana Rizky Yudaruddin Rosiana Rosiana Rusdiah Iskandar Sesinoprita Idin Siti Amalia Siti Hasmah Siti Hernita Oktavia Siti Rahmi Luxfiah Siti Raudhatul Jannah Sri Mintarti Suci Setiani Sukma Wati Susi Jantini Susri Eka Marselina Syarifah Lubna Kautsar A Tanlianto, Alphero Theresia Militina Tri Mulyana Ufiya Azka Prasiwi Ufiya Azka Prasiwi Ulfa Santika Sari Willy Chandra Wirasmi Wardhani Wirasmi Wardhani Yeny Puji Astuti Yosephine Rose Christianti Yudha Atmoko Yulia Tri Cahyani Zainal Ilmi Zaki Fakhroni