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All Journal JURNAL EDUCATION AND DEVELOPMENT Jurnal Pendidikan Ekonomi (JURKAMI) SOCIAL : Jurnal Inovasi Pendidikan IPS Jurnal Penelitian Ilmu Sosial dan Eksakta Jurnal Kependidikan Innovative: Journal Of Social Science Research Journal of Economic and Business Education International Journal of Studies in International Education Multidisciplinary Indonesian Center Journal International Journal of Research in Education (IJRE)
Dama, Maya Novrita
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Earth & Planetary Sciences Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : Multidisciplinary Indonesian Center Journal

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THE DIFFERENCE IN FINANCIAL LITERACY OF WOMEN WORKERS IN THE FORMAL SECTOR AND THE INFORMAL SECTOR IN THE COMMUNITY IN TOTE VILLAGE Alimullah, Fadliyah; Mahmud, Melizubaida; Dama, Maya Novrita; Polamolo , Cristian; Hafid, Radia
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 2 No. 4 (2025): Vol. 2 No. 4 Edisi Oktober 2025
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v2i4.1540

Abstract

This study aims to determine the difference in the level of financial literacy between women workers in the formal and informal sectors in the community in Tote Village, West Bolangitang District, North Bolaang Mongondow Regency. Financial literacy is an individual's ability to manage finances which includes aspects of knowledge, attitudes, and skills in making financial decisions. This study uses a quantitative method with a comparative approach. The population in this study is all women who work in the formal and informal sectors in Tote Village, with sampling using purposive sampling techniques. The research instrument is in the form of a questionnaire that is compiled based on financial literacy indicators, then analyzed using a different test (Independent Sample T-Test). The results of the study show that there is a significant difference in the level of financial literacy between women workers in the formal sector and the informal sector. Women in the formal sector tend to have a higher level of financial literacy compared to women working in the informal sector. These findings indicate the importance of more inclusive financial education and training programs, especially for women in the informal sector, to improve financial management skills and support the welfare of families and communities in a sustainable manner.
THE PERSPECTIVE OF THE THEORY OF PLANNED BEHAVIOR AND FINANCIAL LITERACY ON THE INTENSITY OF E-WALLET USAGE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, STATE UNIVERSITY OF GORONTALO, CLASS OF 2024) Pontoh, Siti Nurhaliza; Hafid, Radia; Dama, Maya Novrita; Panigoro, Meyko; Damiti, Fatmawati
Multidisciplinary Indonesian Center Journal (MICJO) Vol. 3 No. 2 (2026): Vol. 3 No. 2 Edisi April 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/micjo.v3i2.2371

Abstract

This study aims to determine and analyze the influence of the Theory of Planned Behavior and Financial Literacy on the Intensity of E-Wallet Usage among university students. This research employs a quantitative method. Data were collected through the distribution of questionnaires to 88 students of the Faculty of Economics and Business at Gorontalo State University and analyzed using SPSS version 25 by conducting validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-test, and F-test. The results show that: (1) the Theory of Planned Behavior has a positive and significant effect on the Intensity of E-Wallet Usage, (2) Financial Literacy has a positive and significant effect on the Intensity of E-Wallet Usage, and (3) both variables simultaneously exert a significant influence. These findings indicate that behavior in using e-wallets is influenced by psychological elements and financial literacy skills Both factors play a crucial role in shaping smart, effective, and responsible digital financial behavior in today's era.
Co-Authors Abdulrahim Maruwae Agil Bahsoan Ahmad, Febriyanto Alimullah, Fadliyah ARDIANSYAH ARDIANSYAH Astina Bulango, Erika Bumulo, Frahmawati Damiti, Fatmawati Fatmawaty Damiti Imam Prawiranegara Gani Jaati, Kurniawan I. Lestari, Astina Indah Melizubaida Mahmud Meyko Panigoro Mohamad, Puja Ngguyu, Fitri Yuningsi Polamolo , Cristian Pontoh, Siti Nurhaliza Radia Hafid Roy Hasiru Sanggilang, Hastuti Talapa, Rinariyani Thaib, Sri Apriani Ulama, Almia Safitri Yahya, Nur Octaviani S. Yulianti Toralawe