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Financial Technology as a Strengthening Factor in Shaping Financial Behavior: Teknologi Keuangan sebagai Faktor Penguat dalam Pembentukan Perilaku Keuangan Kusumawati, Rahayu; Ginting, Medeilia Bernike Br; Jagad, Daniel Jaya
Indonesian Journal of Innovation Studies Vol. 26 No. 4 (2025): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijins.v26i4.1805

Abstract

Background: Financial management in the digital era has shifted significantly due to the rapid adoption of digital financial services and technologies. Specific background: Despite increased financial inclusion in Indonesia, financial literacy remains low, leading to inconsistent financial behavior across demographic groups. Knowledge gap: Previous studies have rarely examined the comprehensive moderating role of financial technology in the relationship among financial literacy, lifestyle, financial inclusion, and financial behavior within the general public. Aims: This study aims to analyze the relationship between financial literacy, lifestyle, and financial inclusion with financial behavior, and to examine how financial technology moderates these relationships. Results: Using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with 96 respondents, results indicate that financial literacy, financial technology, and lifestyle significantly shape financial behavior, while financial inclusion does not. Financial technology strengthens the relationship between financial literacy and financial inclusion with financial behavior but not with lifestyle. Novelty: The study identifies the dual moderating role of financial technology in linking literacy and inclusion to responsible financial practices. Implications: These findings emphasize the need for integrated financial education and digital literacy programs to promote smarter and more sustainable financial management in the digital economy. Highlights Financial literacy and technology jointly shape responsible financial behavior Financial inclusion alone does not ensure improved financial management Financial technology strengthens the link between knowledge and financial discipline Keywords Financial Literacy, Financial Technology, Lifestyle, Financial Inclusion, Financial Behavior
Literature Review: Teori Dua Faktor Herzberg dan Kinerja Karyawan Ginting, Medeilia Bernike Br
Journal of Authentic Research Vol. 5 No. 1 (2026): Februari
Publisher : LITPAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/s9854q31

Abstract

Kinerja karyawan merupakan faktor kunci dalam keberlangsungan dan daya saing organisasi. Salah satu pendekatan teoretis yang banyak digunakan untuk menjelaskan hubungan antara kepuasan kerja, motivasi, dan kinerja karyawan adalah Teori Dua Faktor Herzberg. Artikel ini bertujuan untuk mengkaji secara sistematis penerapan Teori Dua Faktor Herzberg dalam menjelaskan kinerja karyawan melalui pendekatan Systematic Literature Review (SLR). Kajian ini dilakukan dengan menelusuri dan menganalisis 12 artikel ilmiah nasional dan internasional yang relevan dengan topik faktor hygiene, faktor motivator, kepuasan kerja, motivasi, dan kinerja karyawan. Artikel-artikel tersebut diperoleh dari basis data Google Scholar dan jurnal internasional bereputasi, dengan menggunakan kriteria inklusi yang telah ditetapkan. Hasil kajian menunjukkan bahwa faktor hygiene berperan sebagai prasyarat dasar dalam mencegah ketidakpuasan kerja, sementara faktor motivator yang bersifat intrinsik menjadi pendorong utama peningkatan kepuasan dan kinerja karyawan. Selain itu, kepuasan kerja berfungsi sebagai mekanisme penghubung antara pemenuhan faktor kerja dan kinerja karyawan. Temuan ini mengimplikasikan bahwa organisasi perlu menerapkan Teori Dua Faktor Herzberg secara seimbang dan kontekstual, dengan memastikan pemenuhan faktor hygiene sekaligus mengoptimalkan faktor motivator melalui pengakuan, pengembangan karier, dan pengayaan pekerjaan guna mendukung kinerja karyawan yang berkelanjutan. Employee performance is a key factor in organizational sustainability and competitiveness. One of the most widely used theoretical approaches to explain the relationship between job satisfaction, motivation, and employee performance is Herzberg’s Two-Factor Theory. This article aims to systematically examine the application of Herzberg’s Two-Factor Theory in explaining employee performance through a Systematic Literature Review (SLR) approach. The review was conducted by identifying and analyzing 12 relevant national and international scholarly articles focusing on hygiene factors, motivator factors, job satisfaction, motivation, and employee performance. These articles were obtained from Google Scholar and reputable international journals using predefined inclusion criteria. The findings indicate that hygiene factors function as basic prerequisites for preventing job dissatisfaction, while intrinsic motivator factors serve as the primary drivers of job satisfaction and employee performance. In addition, job satisfaction acts as a mediating mechanism between the fulfillment of work-related factors and employee performance. These findings imply that organizations should implement Herzberg’s Two-Factor Theory in a balanced and contextual manner by ensuring adequate hygiene factors while simultaneously optimizing motivator factors through recognition, career development, and job enrichment to support sustainable employee performance.
The Influence of Financial Inclusion and Financial Technology on the Intention to Use Online Loans with Financial Behavior as a Mediating Variable Kusumawati, Rahayu; Jagad, Daniel Jaya; Ginting, Medeilia Bernike Br
Journal of Authentic Research Vol. 5 No. 1 (2026): Februari
Publisher : LITPAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/8arkyp88

Abstract

This study aims to analyze the effect of financial inclusion and financial technology (fintech) on the intention to use online loans with financial behavior as a mediating variable. The background of this research is based on the phenomenon of the increasing use of online loan services in society, particularly in the Jakarta area, which on the one hand provides easier access to finance but on the other hand poses financial risks if not balanced with healthy financial behavior. This research employed a quantitative approach with a total of 96 respondents who were users of online loan services, determined using Cochran’s formula. Data were collected through questionnaires and analyzed using multiple linear regression and mediation testing with Hayes PROCESS Macro. The results show that financial inclusion has a positive and significant effect on both financial behavior and the intention to use online loans, while financial technology does not have a significant effect either on financial behavior or intention. Furthermore, financial behavior is proven to have a significant effect on the intention to use online loans. The mediation test indicates that financial behavior does not mediate the relationship between financial inclusion and the intention to use online loans but fully mediates the relationship between financial technology and the intention to use online loans. These findings emphasize that financial behavior is a dominant factor that needs to be strengthened in order for the use of online loans to provide optimal benefits. This study aims to analyze the effect of financial inclusion and financial technology (fintech) on the intention to use online loans with financial behavior as a mediating variable. The background of this research is based on the phenomenon of the increasing use of online loan services in society, particularly in the Jakarta area, which on the one hand provides easier access to finance but on the other hand poses financial risks if not balanced with healthy financial behavior. This research employed a quantitative approach with a total of 96 respondents who were users of online loan services, determined using Cochran’s formula. Data were collected through questionnaires and analyzed using multiple linear regression and mediation testing with Hayes PROCESS Macro. The results show that financial inclusion has a positive and significant effect on both financial behavior and the intention to use online loans, while financial technology does not have a significant effect either on financial behavior or intention. Furthermore, financial behavior is proven to have a significant effect on the intention to use online loans. The mediation test indicates that financial behavior does not mediate the relationship between financial inclusion and the intention to use online loans but fully mediates the relationship between financial technology and the intention to use online loans. These findings emphasize that financial behavior is a dominant factor that needs to be strengthened in order for the use of online loans to provide optimal benefits.