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All Journal Jurnal BPPK : Badan Pendidikan dan Pelatihan Keuangan Martabe : Jurnal Pengabdian Kepada Masyarakat J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Journal Of Human And Education (JAHE) International Journal of Accounting & Finance in Asia Pasific Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Asian Journal of Management, Entrepreneurship and Social Science Journal of Muhammadiyah’s Application Technology
Agusalim, Muhammad
Universitas Terbuka
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Financial Literacy, Inclusion, and Behavior: Impacts on Economic Sustainability of Indonesian Migrant Workers in Sabah Muhammad Agusalim; Efraim Bavo Priyana
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 9, No 2 (2026): June 2026
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v9i2.4566

Abstract

Indonesian Migrant Workers (IMWs) contribute significantly to the national economy through remittances; however, limited financial capability often constrains their long-term economic sustainability. This study aims to examine the effects of financial literacy and financial inclusion on economic sustainability, with financial behavior acting as a mediating variable among IMWs in Sabah, Malaysia. A quantitative survey approach was employed using proportionate cluster random sampling. Data were collected from 398 respondents and analyzed using SPSS and Structural Equation Modeling (SEM) with AMOS. The results reveal that financial literacy significantly influences economic sustainability (b = 0.116; p = 0.037), while financial inclusion shows a stronger direct effect (b = 0.552; p 0.001). Financial behavior also significantly affects economic sustainability (b = 0.333; p 0.001). Furthermore, financial behavior significantly mediates the relationships between financial literacy and economic sustainability (b = 0.062; Sobel = 2.466) and between financial inclusion and economic sustainability (b = 0.167; Sobel = 3.470). These findings highlight the importance of strengthening financial capability and inclusive access to financial services to enhance the long-term economic resilience of IMWs.
Co-Authors Efraim Bavo Priyana Firdaus, Moh. Iqbal Furqorina, Rizka Gamarudin, Gamaruddin Habibi, Soraya Iqbal Firdaus, Mohammad Kurniawati Mahardika, Esti Kusuma, Jony Puspa Lopa Ginting, Andi Mahmuddin Mahmuddin Niku, Elpipres Puspa Kusuma, Jony Sugeng Triandika, Lulus Syarif, Moh. Tasrim, Tasrim Triandika, Lulus Sugeng Wahda Wahda Waluyo, Sigit Yulius Titirloloby Yustian Siswasandhi