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All Journal Jurnal Administrasi Bisnis Jurnal Ilmu Manajemen (JIM) Optimum : Jurnal Ekonomi dan Pembangunan Global Review of Islamic Economics and Business DERIVATIF Jurnal Ilmiah Ekonomi Islam Jurnal Manajemen STIE Muhammadiyah Palopo JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Jurnal Administrasi dan Manajemen Jurnal Proaksi Value: Jurnal Manajemen dan Akuntansi International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekonomi Dan Bisnis Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Indonesian Journal of Global Health research Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia Jurnal Fokus Manajemen Bisnis Asian Management and Business Review Jurnal Manajemen Bisnis dan Kewirausahaan Golden Ratio of Auditing Research International Journal of Applied Business and International Management Master: Jurnal Manajemen dan Bisnis Terapan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah JESH: Journal of Economics, Social, and Humanities
Fikri, Muhammad Ali
Fakultas Ekonomi Dan Bisnis Universitas Ahmad Dahlan
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Nursing Public Health Social Sciences

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Financial Behavior as a Mediator Between Financial Self-Efficacy and Financial Capability in Yogyakarta Batik MSMEs Putri Ayu Lestari; Muhammad Ali Fikri
Jurnal Manajemen Bisnis dan Kewirausahaan Vol. 6 No. 2 (2026): SEPTEMBER
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jamanika.v6i2.43733

Abstract

This study evaluates the mediating role of financial behavior in the relationship between financial self-efficacy and financial capability among employees/managers of batik micro, small, and medium enterprises (MSMEs) in the Special Region of Yogyakarta. Using purposive sampling of 150 respondents, data were analyzed through a PLS-SEM approach with SmartPLS 4.0. The results confirmed all four proposed hypotheses. Financial self-efficacy was found to have a direct and significant effect on financial capability (H1: β=0.659; t=12.947; p<0.000), indicating that psychological readiness enhances operational proficiency. An even stronger effect was found between financial self-efficacy and financial behavior (H2: β=0.746; t=15.375; p<0.000), suggesting that self-confidence shapes managerial routines. Financial behavior was also shown to significantly improve financial capability (H3: β=0.283; t=3.019; p=0.003). Bootstrapping tests confirmed the mediating role of financial behavior in the relationship between financial self-efficacy and financial capability (H4: indirect effect β=0.211; t=2.892; p=0.004). Because the direct path remained significant after including the mediator, the results confirm partial mediation, with a total effect of 0.870. The model demonstrated strong predictive relevance, with R² values of 0.557 for financial behavior and 0.470 for financial capability. These findings enrich Social Cognitive Theory by affirming that cognitive beliefs require practical enactment to generate real impact, rather than operating independently. Practically, programs aimed at strengthening financial self-efficacy among batik MSME actors should integrate structured digital financial record-keeping practices to support sustainable global competitiveness.
Co-Authors Adelia Dwi Nurisaputri Adelia Dwi Nurisaputri Agitya Rindivenessia Aisyah Nur Aini Anggraini, Sinta Putri Anita Mayang Sari Ari Triadi Wijaya Arwin Yafi Rahmatullah Bella Cahyaningrum Bidayati, Utik Desta Rizky Kusuma Dhimas Ramadhani Utama Dhiny Rahmawati Mustapa Fardhiasih Dwi Astuti Kusuma, Desta Rizky Lia Nur Ikasari Made Galih Wisnu Wardana Made Galih Wisnu Wardana Poppy Laksita Rini Poppy Laksita Rini Pradisa Ryan Sukmatama Purwoko Purwoko, Purwoko Putri Ayu Lestari Rena Anjeli Wibowo Rokhmayanti Rokhmayanti Siti Kurnia Widi Hastuti Sofiana Kartika Dewi Sri Wulandari Suryana Hendrawan Syafira Anggraini Syauqiyah Rouful Wahidah Syifa Gesi Aselia Taufik Hidayat Tina Sulistiyani Ulinnuha Yudiansa Putra Widea Rossi Desvita Yuli Mustikawati Zilnia Putri