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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Solusi: Jurnal Kajian Ekonomi dan Bisnis Golden Ratio of Finance Management
Pagiling, Novieanty
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Economics, Econometrics & Finance Environmental Science Social Sciences

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Pengaruh Digital Financial Literacy terhadap Financial Anxiety Mahasiswa di Indonesia: Perspektif dari Akuntansi Keperilakuan Pagiling, Novieanty; Meilissa Suade, Yuyun Karystin; Sharon, St. Salmah; Mambu, Bellatrix Kezia; Burhanuddin, Fia Fauziah
Kajian Ekonomi dan Bisnis Vol. 20 No. 1 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi SBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51277/keb.v20i1.242

Abstract

Low levels of digital financial literacy pose a challenge to achieving inclusive financial participation. Concurrently, rising mental health issues among youth, particularly university students, reflect psychological stress linked to financial instability. This study adopts a quantitative approach using a survey of 176 purposively selected respondents. Data were analyzed using simple linear regression with classical assumption tests. The findings reveal that digital financial literacy has a positive and significant effect on financial anxiety (p < 0.05), although it explains only 10.3% of its variance. These results highlight the need to enhance digital financial literacy and emphasize the importance of contextual and responsive accounting education in addressing both digital transformation and student mental well-being
The Determinants of Financial Literacy, Consumptive Lifestyle and Parental Support on the Emergency Fund Formations among University Student in Makassar: English Giauw, Alfons; Pagiling, Novieanty; Giauw, Vinshen; Tandreas, Felix; Djiemesha, Ritchie; Sumilat, Ian Thomas
Golden Ratio of Finance Management Vol. 5 No. 2 (2025): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i2.1420

Abstract

This study explores the impact of financial literacy, consumptive, lifestyle, and parental support on the formation of emergency funds among university students in Makassar. With the rise of economic uncertainties, student’s ability to manage personal finances—especially saving for emergencies—has become increasingly important. However, many lack the financial knowledge, behavioral discipline, and external support needed to establish such reserves. Using a quantitative approach and survey data from 203 respondents, the study reveals that financial literacy and parental support positively and significantly influence emergency fund formation, while a consumptive lifestyle has a negative and significant effect. The simultaneous analysis shows that these three variables account for 51.8% of the variance in emergency fund formation behavior. These findings highlight the intertwined roles of knowledge, lifestyle habits, and family influence in shaping students’ financial preparedness. The study emphasizes the importance of targeted financial education and parental involvement to enhance students’ financial resilience, and suggests future research explore additional variables such as peer influence and digital finance tools.
THE MOM INTRAPRENEURIAL PATH TO WORK-LIFE BALANCE: EXAMINING THE ROLE OF SALARY AS A MEDIATOR Mambu, Bellatrix Kezia Debora; Suade, Yuyun Karystin Meilissa; Pagiling, Novieanty
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 9 No 4 (2025): IJEBAR, VOL. 09 ISSUE 04, DECEMBER 2025
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v9i4.18567

Abstract

This study examines how mom-intrapreneurship influences work–life balance among employed women in Indonesia, with salary tested as a mediating variable. Using a quantitative approach and Partial Least Squares Path Modeling (PLS-PM), the research assesses direct and indirect relationships among the constructs. The findings show four key results. First, mom-intrapreneurship positively affectssalary, indicating that women’s creativity, initiative, and involvement in intrapreneurial activities contribute to higher income. Second, mom-intrapreneurship also improves work–life balance, suggesting that the autonomy and flexibility gained through intrapreneurial roles help women better manage professional and domestic responsibilities. Third, salary does not significantly influence work–life balance, implying that increased earnings alone do not ensure greater harmony between work and personal life. Fourth, salary does not mediate the link between mom-intrapreneurship and work–life balance, highlighting that psychological and motivational factors—rather than financial ones—play a more important role in achieving life balance. Overall, the study concludes that the well-being of working mom is shaped more by intrinsic values derived from intrapreneurial engagement, such as autonomy, meaningful work, andrecognition, than by financial compensation. These insights contribute to gender-based intrapreneurship literature and offer practical guidance for organizations promoting flexibility, innovation, and sustainable employee well-being.
Co-Authors Burhanuddin, Fia Fauziah Djiemesha, Ritchie Giauw, Alfons Giauw, Vinshen Mambu, Bellatrix Kezia Mambu, Bellatrix Kezia Debora Meilissa Suade, Yuyun Karystin Sharon, St. Salmah Suade, Yuyun Karystin Meilissa Sumilat, Ian Thomas Tandreas, Felix