Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Wiyanti S, Lina
Unknown Affiliation
Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
THE EFFECT OF PERSONAL FINANCIAL MANAGEMENT, ATTITUDE TOWARDS DEBT, AND BANKING KNOWLEDGE ON FINANCIAL COMPLIANCE THROUGH MEDIATION OF SELF-CONFIDENCE Wiyanti S, Lina; Suhardi, Suhardi; Firdaus, Rahmad
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 6 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i6.2790

Abstract

This study aims to analyse the role of confidence in financial management as a mediator between personal finance management, banking knowledge, attitude towards debt, and financial compliance among Indonesian adults. The research method used was a quantitative survey with a cross-sectional approach, involving 170 respondents selected by purposive sampling. Data were collected through an online questionnaire and analysed using Structural Equation Modelling-Partial Least Squares (SEM-PLS). The results showed that confidence in financial management significantly mediated the relationship between personal financial management and financial compliance, but no significant mediating effect was found on the banking knowledge pathway. A positive attitude towards debt also showed a marginal mediating effect through self-confidence. These findings emphasise the importance of financial education interventions that focus not only on the knowledge aspect but also on strengthening confidence and positive attitudes in financial management.
Co-Authors Rahmad Firdaus Suhardi Suhardi