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All Journal Jurnal Ekonomi dan Bisnis Jurnal Manajemen dan Inovasi (MANOVA) eMBeJi : Manajemen dan Bisnis Jurnal
Mawadah, Badriatul
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Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Determinants of financial well-being in young adults' quarter-life crisis Mawadah, Badriatul; Sumiati, Sumiati
Jurnal Ekonomi dan Bisnis Vol. 28 No. 2 (2025)
Publisher : Fakultas Ekonomika dan Bisnis Universitas Kristen Satya Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24914/jeb.v28i2.12647

Abstract

Penelitian ini mengkaji determinasi kesejahteraan finansial, yaitu literasi keuangan, tekanan keuangan, inklusi keuangan, dan kesehatan finansial, pada masyarakat dewasa muda usia 25-35 tahun di Blitar, Jawa Timur yang sedang mengalami fenomena krisis seperempat kehidupan. Berbeda dengan penelitian sebelumnya yang cenderung mengkaji faktor-faktor tersebut secara terpisah, keterbaharuan penelitian ini terletak pada pengenalan konsep baru, yaitu bagaimana kesehatan finansial mempengaruhi kesejahteraan finansial melalui peran mediasi terhadap literasi keuangan, tekanan keuangan, dan inklusi keuangan. Dengan desain penelitian kuantitatif, data dikumpulkan melalui kuesioner dan dianalisis menggunakan pendekatan SEM-PLS dengan sampel masyarakat usia produktif di Blitar. Hasil penelitian menunjukkan bahwa literasi keuangan, inklusi keuangan, dan kesehatan finansial berpengaruh positif signifikan terhadap kesejahteraan finansial, sedangkan tekanan keuangan berpengaruh negatif signifikan. Temuan ini mengindikasikan bahwa kesejahteraan finansial dewasa muda yang mengalami krisis seperempat kehidupan tidak hanya dipengaruhi oleh pengetahuan dan akses keuangan, tetapi juga oleh kemampuan mengelola tekanan keuangan dan menjaga kesehatan finansial. Implikasi praktisnya adalah pentingnya program terpadu yang mengombinasikan literasi keuangan, manajemen tekanan keuangan, dan strategi peningkatan kesehatan finansial guna membantu kaum muda mencapai stabilitas finansial di fase kehidupan yang krusial ini.
Does Income Matter? Financial Literacy, Financial Health, and Financial Well-Being: PLS-MGA Evidence Mawadah, Badriatul; Jacelyn; Yulfiswandi
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 9 No. 2 (2026): July
Publisher : Management Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v9i2.2521

Abstract

Objective – This research aims to examine the direct and indirect effects of financial literacy on financial well-being, with financial health as a mediating variable, while also exploring differences based on income levels Design/methodology/approach – This study uses a quantitative approach with Partial Least Squares Structural Equation Modeling (PLS-SEM) and Multi-Group Analysis (PLS-MGA) on 270 young adults aged 25–35 years in Blitar City and Blitar Regency, Indonesia. The variables include financial literacy, financial health, financial well-being, and income as a grouping variable. Findings – The results indicate that financial literacy has a significant positive effect on financial well-being, both directly and indirectly through financial health. Financial health plays a significant mediating role, suggesting that good financial conditions strengthen well-being. Multi-group analysis shows no significant income-based differences in the relationships between financial literacy and financial health, and between financial health and financial well-being. However, a significant difference is found in the direct effect of financial literacy on financial well-being, which is stronger among low-income individuals. Research limitations/implications – This study is limited to young adults in Blitar, Indonesia, which may affect generalizability. Future research should include broader regions and additional variables such as financial behavior or psychological factors. Practical implications – The findings emphasize the importance of improving financial literacy, especially for low-income groups, through targeted programs focusing on budgeting, saving, and debt management Originality/value – This study integrates financial health as a mediator and examines income differences using PLS-MGA, highlighting the stronger role of financial literacy among low-income individuals
Investment Decision-Making Under Behavioral And Market Influences Mawadah, Badriatul; Lim, Rezel; Candy, Candy; Suprapto, Yandi
Manajemen & Bisnis Jurnal Vol 12 No 2 (2026)
Publisher : Magister Manajemen Universitas Wisnuwardhana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37303/embeji.v12i2.344

Abstract

This study examines the effects of herding behaviour, perceived market efficiency, and investment performance on the investment decisions of individual investors in the Indonesian capital market, while investigating investor experience as both a direct predictor and a moderating variable. A quantitative approach was employed using data from 225 individual investors, and the proposed relationships were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that herding behaviour has no significant effect on investment decisions, whereas perceived market efficiency has a significant negative effect and investment performance has a significant positive effect. Investor experience has a positive and significant direct effect on investment decisions. Furthermore, investor experience positively moderates the relationship between perceived market efficiency and investment decisions and negatively moderates the relationship between investment performance and investment decisions, but does not significantly moderate the effect of herding behaviour. These findings extend the behavioral finance literature by demonstrating that investor experience functions as a boundary condition that alters the effects of market perceptions and prior investment performance on investment decisions. Practically, the findings highlight the importance of investor education that strengthens market information evaluation, risk assessment, and learning from previous investment outcomes rather than relying primarily on social investment cues.
Co-Authors Candy Candy Donny Dharmawan Jacelyn Lim, Rezel Saut Maruli Tua Pandiangan Sumiati Sumiati Suprapto, Yandi Suratminingsih, Suratminingsih Victor Pattiasina Yulfiswandi, Yulfiswandi