Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
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This Author published in this journals
All Journal Jurnal Ilmiah Manajemen Kesatuan Journal of Economics, Entrepreneurship, Management Business and Accounting
Yuli Rahmini Suci
Sekolah Tinggi Ilmu Ekonomi Balikpapan, Indonesia
Economics, Econometrics & Finance Social Sciences

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Why Financial Behavior Differs: The Roles of Fintech Literacy, Social Comparison, and Anxiety Yuli Rahmini Suci; Roswiyanti Roswiyanti; Andi Widiawati; Lilik Handayani; Johannes Baptista Halik
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1401

Abstract

Purpose – This study examines the effects of perceived fintech literacy and social comparison orientation on financial behavior among productive-age adults in Indonesia, with financial anxiety as a mediating mechanism. Design/Methodology/Approach – A quantitative explanatory study was conducted using a cross-sectional survey of 210 productive-age fintech users in Indonesia. Respondents were selected through purposive sampling, and the data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Findings – Perceived fintech literacy positively affects both financial behavior and financial anxiety. Social comparison orientation significantly increases financial anxiety but has no direct effect on financial behavior. Financial anxiety positively influences financial behavior, partially mediating the relationship between fintech literacy and financial behavior, and fully mediating the relationship between social comparison orientation and financial behavior. Originality/Value – This study extends the behavioral finance literature by identifying financial anxiety as a key mechanism linking fintech literacy and social comparison orientation to financial behavior. The findings emphasize the importance of integrating cognitive, social, and psychological factors in financial education and policy to promote responsible financial decision-making.
The Effect of Financial Literacy on Financial Management of High School Teachers Irdawati; Rakhmat; Yuli Rahmini Suci; Septy Indra Santoso
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.3791

Abstract

Financial literacy is vital for teachers to manage personal finances effectively and secure long-term economic stability. This study investigates the impact of basic and advanced financial literacy on the financial management of high school teachers in Makassar City. Using a quantitative descriptive approach, 100 teachers were selected through purposive sampling, and data were collected via questionnaires. SmartPLS was employed to test validity, reliability, and hypotheses. Results indicate that both basic and advanced financial literacy significantly influence financial management. Basic literacy contributes 26.6% (p = 0.017 < 0.05), while advanced literacy shows a stronger effect of 61.6% (p = 0.000 < 0.05). Together, the two variables explain 68.1% of the variation in financial management, with 31.9% influenced by other factors. These findings highlight the dominant role of advanced financial literacy in shaping effective financial practices, while also underscoring the need to strengthen both levels to improve teachers’ decision-making, financial stability, and their role in educating students about financial matters.
Co-Authors Andi Widiawati Irdawati Irdawati Johannes Baptista Halik Lilik Handayani Rakhmat Roswiyanti Roswiyanti Septy Indra Santoso