Article Per Year (5 Year)
p-Index From 2021 - 2026
2.844
P-Index
This Author published in this journals
All Journal Jurnal Ekonomi KEUNIS Indikator: Jurnal Ilmiah Manajemen & Bisnis International Journal of Supply Chain Management Dinasti International Journal of Digital Business Management Jurnal Ilmu Manajemen Terapan (JIMT) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) International Journal of Community Service Journal of Accounting and Finance Management (JAFM) Indonesian Journal of Society Development (IJSD) Jurnal Abdimas Sosek (Jurnal Pengabdian dan Pembardayaan Masyarakat) Jurnal Pengabdian Masyarakat Singa Podium (JPMSIPO) Journal of Innovative and Creativity Journal of Fundamental Management (JFM) Journal of Sustainable Economic and Business IJEMA
Sri Anah
Universitas Mercu Buana
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Transportation Other

Published : 23 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : keunis

 1 
Fintech User Satisfaction as an Intermediary: Analysis of The Influence of Financial Literacy, Ease of Use, and Trust on User Loyalty in MSMEs Solihati, Garin Pratiwi; Anah, Sri; Anggraini, Wahyu
KEUNIS Vol. 13 No. 1 (2025): JANUARY 2025
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v13i1.6120

Abstract

The growth of financial technology (fintech) has transformed MSME operations, particularly in accessing financial services. This study analyzes the impact of financial literacy, ease of use, and trust on fintech user satisfaction and their role as mediating variables in fostering user loyalty among MSMEs. Using a quantitative approach, data were collected via an online questionnaire from 100 SME respondents in Yogyakarta. Structural Equation Modeling-Partial Least Squares (SEM-PLS) was employed to examine the relationships between variables. The findings reveal that financial literacy, ease of use, and trust have a positive and significant influence on user satisfaction. Moreover, user satisfaction has a positive and significant mediating effect on the relationship between financial literacy, ease of use, trust, and user loyalty. This indicates that improving these factors enhances user satisfaction, which subsequently strengthens user loyalty to fintech platforms. This study underscores practical implications, urging fintech providers to enhance accessibility, security, and transparency to boost user satisfaction. It also recommends that governments and educational institutions implement inclusive financial literacy programs to encourage broader fintech adoption among MSMEs. The study contributes to technology adoption literature by emphasizing user satisfaction as a critical mediator in establishing long-term loyalty. Future research should explore broader regions, larger sample sizes, and additional variables such as digital competence for deeper insights into fintech adoption dynamics.
Financial Literacy and Planning on Financial Well-Being: The Mediating Role of Behavior Sri Anah; Wahyu Anggraini; Abdul Rahmat; Garin Pratiwi Solihati
KEUNIS Vol. 14 No. 2 (2026): JULY 2026
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v14i2.7104

Abstract

Financial well-being reflects employees’ ability to manage financial resources and maintain long-term stability. This quantitative study examines the effects of financial literacy, self-control, and financial planning on employees’ financial well-being, involving financial behavior as a mediating variable. Data were collected from 120 employees of PT SUAI through online and offline questionnaires and analyzed using SEM-PLS. The results show that financial literacy, self-control, and financial planning significantly influence financial behavior, which in turn positively and significantly affects financial well-being. However, only financial planning has a significant indirect effect on financial well-being through financial behavior, whereas financial literacy and self-control do not show significant mediation effects. These findings indicate that structured financial planning plays a key role in shaping consistent financial behavior that enhances financial well-being. Theoretically, the results support the Financial Management Behavior Theory and Financial Capability Framework, signifying the importance of behavioral implementation. Additionally, the study findings have crucial practical implications for organizations to prioritize applied financial education programs that focus on budgeting, saving, and long-term planning.
Co-Authors Abd. Rasyid Syamsuri Abdul Rahmat Abdul Rahmat Achmad Sudiro Apollo Daito Azreen Hamiza Bima Aditya Christian Kuswibowo Christian Kuswibowo Christina Catur Widayati Dedik Romahadi Diar Arvisyah Doktoralina, Caturida Meiwanto ENDRI ENDRI Erlangga Tri Rianto Erna Alliffah Fitri Nadira Garin Pratiwi Solihati Gerrard Miftah Setiananda Harefan Arief Harisnanda, Adriatik Intan Apriadi Irfan Noviandy Aulia Iwan Firdaus Karyatun, Subur Mochamad Soelton Muhammad Usman Nurato Nurato Nurullah, Tubagus Muhammad Fajrin Paijan Putri Utami Putri Utami, Putri R. Joko Sugiharjo Rama Enggar Pur nama Rizky Mustika Anggraeni Robbi, Robbi Septia Charissa Putri Sri Marti Pramudena Subur Karyatun Syafrizal Chan Thoullon, Muhammad Shirhan Tine Yuliantini W., Anggi Wahyu Anggraini Wahyu Anggraini, Wahyu