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All Journal Enrichment : Journal of Management
Wulansari, Dinda Marsela
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Economics, Econometrics & Finance

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The effect of income and financial literacy on personal financial behavior: Testing the mediated effect of financial self-efficacy Wulansari, Dinda Marsela; Heriyadi, Heriyadi; Wendy, Wendy; Giriati, Giriati; Syahbandi, Syahbandi
Enrichment : Journal of Management Vol. 13 No. 5 (2023): December
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i5.1692

Abstract

This study aims to determine whether financial literacy and income significantly impact a personal financial behaviour, either directly or through the intermediary factor of financial self-efficacy. Employing Analysis of Moment Structure (AMOS), this study analyses the correlations between independent and dependent variables while considering mediation variables. The data was gathered through a questionnaire distributed to 216 active students chosen via purposive sampling. This research adopts a quantitative approach, utilising primary data from respondent questionnaires and secondary data from the internet and previous academic literature. The findings demonstrate that income and financial literacy positively and directly influence a person's economic behaviour. Furthermore, it has been observed that the relationship between the impact of income and financial literacy on a personal financial behaviour and financial self-efficacy is partially mediated.
Co-Authors Giriati, Giriati Heriyadi, Heriyadi Syahbandi Syahbandi Wendy