Article Per Year (5 Year)
p-Index From 2021 - 2026
0.61
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This Author published in this journals
All Journal Journal of Practical Management Studies Journal of Management and Business Innovation (JOMBINOV)
Moni Y. Siahaan
Kupang State Polytechnic
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Determinants of Financial Management Behavior Among Generation Z University Students in Kupang: The Role of Financial Literacy, Financial Technology Adoption, and Financial Self-Efficacy Wihelmina Muni; Septia S. Dioh; Taqwa Sultan; Moni Y. Siahaan; Yanti S. Giri
Journal of Practical Management Studies Vol. 4 No. 1 (2026): JPMS - March (2026)
Publisher : CV. Jala Berkat Abadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61106/jpms.v1i1.144

Abstract

This study examines the determinants of financial management behavior among Generation Z university students in Kupang City by integrating financial literacy, financial technology adoption, and financial self-efficacy within the Theory of Planned Behavior framework. A quantitative explanatory design was employed using survey data from 218 students, analyzed through PLS-SEM. The findings reveal that financial literacy, fintech adoption, and financial self-efficacy significantly influence financial management behavior, both individually and simultaneously. Financial literacy serves as the primary cognitive foundation, self-efficacy strengthens perceived behavioral control, while fintech functions as an enabling contextual factor rather than a deterministic driver. The model demonstrates moderate predictive power, indicating that responsible financial behavior among Gen Z students emerges from the interaction of cognitive, psychological, and technological dimensions. This study contributes to extending behavioral finance research in emerging regional contexts and highlights the need for integrative financial education strategies in higher education institutions.
Causal Model of Emotional Intelligence, Digital Literacy, and Employee Work Productivity of Banking Staff in Kupang: A Structural Equation Modeling Approach Moni Y. Siahaan; Klaasvakumok J. Kamuri
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 01, No 01, December 2025
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v1i01.25

Abstract

The ongoing transformation of the workplace, driven by the Industrial Revolution 4.0 and the paradigm of Society 5.0, has intensified the demand for human resources equipped with advanced emotional and digital capabilities. This study develops a comprehensive causal framework that examines the interrelationships among emotional intelligence, digital literacy, and employee productivity using a Structural Equation Modeling (SEM) approach. The empirical evidence demonstrates that emotional intelligence significantly enhances productivity by fostering stronger emotional regulation, adaptive responses to organizational change, and effective interpersonal collaboration. Digital literacy is likewise a crucial determinant of productivity, enabling employees to utilize digital technologies more efficiently to achieve performance targets. Furthermore, the results indicate that emotional intelligence positively contributes to the development of digital literacy, suggesting that emotionally competent individuals exhibit greater openness and motivation toward technological adaptation. Importantly, digital literacy acts as a significant mediating mechanism linking emotional intelligence to productivity, emphasizing the need for organizations to strategically cultivate both competencies in synergy. The study advances the theoretical discourse on employee productivity by conceptualizing the integrated roles of emotional and digital competencies and provides actionable insights for organizations to design holistic human resource development initiatives that align with the rapidly digitalized and dynamic characteristics of contemporary work environments.
Co-Authors Klaasvakumok Jehezkielomi Kamuri Septia Sakalini Dioh Taqwa Sultan Wihelmina Muni Yanti S. Giri