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All Journal Indonesian Journal of Innovation Studies Indonesian Journal Of Business And Entrepreneurship Research
Ginting, Medeilia Bernike Br
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Computer Science & IT Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice

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The Influence of Entrepreneurial Self-Efficacy and Locus of Control on Entrepreneurial Intention: The Mediating Role of Entrepreneurial Attitude Ginting, Medeilia Bernike Br
Indonesian Journal of Business and Entrepreneurship Research Vol. 3 No. 2 (2025): Vol. 3, No. 2, May 2025: Indonesian Journal of Business and Entrepreneurship Re
Publisher : Fakultas Ekonomi dan Bisnis Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/ijober.v3i2.8322

Abstract

Unemployment remains a critical issue in Indonesia, largely due to the country's high population growth, which intensifies competition for employment opportunities. One effective approach to mitigate this problem is by fostering entrepreneurship and increasing the number of entrepreneurs. This study aims to examine both the direct and indirect effects of entrepreneurial self-efficacy and entrepreneurial locus of control on entrepreneurial intention, with entrepreneurial attitude serving as a mediating variable. A quantitative descriptive explanatory approach was employed, involving a population of 492 students. Using proportional random sampling, 96 students from the Faculty of Economics at Universitas Negeri Makassar were selected as respondents. The findings indicate that entrepreneurial self-efficacy and locus of control significantly influence entrepreneurial intention, both directly and indirectly through entrepreneurial attitude. These results underscore the importance of developing psychological attributes to enhance students' entrepreneurial potential. The study provides valuable insights for educators in guiding students toward entrepreneurial skill development, encouraging them to go beyond product creation and focus on business management, marketing, and strategic decision-making. Future research is recommended to expand the scope of variables and explore more diverse methodologies to deepen the understanding of entrepreneurial behavior in higher education.
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
Co-Authors Jagad, Daniel Jaya Rahayu Kusumawati, Rahayu