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All Journal JURNAL MANAJEMEN MOTIVASI International Journal of Economics Studies
Khusna, Nur Hidayatul
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Digital Financial Literacy and Inclusion on Financial Management Skills in Generation Z: Education Level as Moderation Khusna, Nur Hidayatul
International Journal of Economics Studies Vol. 2 No. 2 (2025): International Journal of Economics Studies
Publisher : Raudhah Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/k1crph29

Abstract

This study aims to analyze the influence of digital financial literacy and inclusion on financial management skills in Generation Z by using education level as a moderation variable. The research is aimed at Generation Z among students in Kediri. This research method uses a quantitative approach with data collection through surveys to students and students in Kediri. Data analysis was carried out using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results of the study show that digital financial inclusion has a significant positive influence on financial management for Generation Z. The use of digital financial services helps the younger generation to be more capable of managing finances, supported by skills and intelligence in the use of technology so as to avoid patterns of consumptive behavior. On the contrary, digital financial literacy has a significant negative influence on financial management and the level of education shows a significant negative influence in moderating the relationship between digital financial literacy and digital financial inclusion on financial management. The purpose of this research is to provide input for the government and related stakeholders to further optimize digital financial inclusion for Gen Z from the age of adolescence so that Gen Z can manage and plan their finances in the future so that they do not always behave consumpively.
Literacy, Financial Inclusion And MSME Business Performance: The Role Of Education Level And Community As Moderators Khusna, Nur Hidayatul; Setiawan, Doddy
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8258

Abstract

This research investigates how financial knowledge and access to financial services impact the business performance of Micro, Small, and Medium Enterprises (MSMEs), while exploring the moderating roles of education level and MSMEs community engagement. The investigation employed a quantitative methodology utilizing Partial Least Squares-Structural Equation Modeling (PLS-SEM) techniques, gathering information from 140 MSMEs entrepreneurs operating in Kediri, East Java Province. Performance evaluation using Self Assesment Method and Balanced Scorecard.Results demonstrate that financial knowledge and accessibility to financial services generate substantial positive impacts on enterprise performance. Additionally, education background serves as a significant moderator in the relationship between financial accessibility and business performance, whereas MSMEs community engagement amplifies the connection between financial knowledge and business success. Nevertheless, education level did not significantly moderate the financial performance relationship, nor did MSMEs community engagement significantly affect the financial performance connection.These outcomes indicate that importance enhanced access to and comprehension of financial services, based on education level and reinforced through community networks, can strengthen MSME sustainability and market competitiveness. The investigation provides insights for theoretical frameworks and policy development, for stakeholder empowering MSMEs through inclusive and contextually-appropriate financial access enhancement programs.
Co-Authors Doddy Setiawan