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All Journal Golden Ratio of Auditing Research International Journal of Advanced Research in Social Studies
Rosananda Oktala
politeknik negeri sriwijaya
Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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Bridging Budgeting and Well-Being: The Strategic Role of Self-Control in Financial Behavior Rosananda Oktala; Ewirta Lista Pertaviana
International Journal of Advanced Research in Social Studies Vol. 5 No. 1 (2026): International Journal of Advanced Research in Social Studies
Publisher : Department of Business Administration Politeknik Negeri Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17972343

Abstract

This study investigates the influence of financial budgeting on financial well-being and examines the moderating role of self-control among employees of Bank Pembangunan Daerah (BPD) Sumsel in Indonesia. Using a quantitative approach, data were collected from 160 respondents and analyzed through Structural Equation Modeling with SmartPLS 4.0. The results reveal that financial budgeting significantly enhances financial well-being (β = 0.432, p < 0.001), suggesting that individuals who actively plan and manage their finances experience greater financial satisfaction and security. Furthermore, self-control significantly moderates this relationship, indicating that individuals with higher self-control are more capable of converting financial plans into consistent behavior, thus amplifying the positive effects of budgeting on well-being. These findings underscore the importance of integrating psychological dimensions into financial literacy programs. Financial interventions that combine budgeting education with self-control strengthening tools—such as behavioral coaching, commitment devices, or digital nudges—are likely to yield more sustainable improvements in financial well-being. This study contributes to the literature by positioning self-control not only as a personal trait but also as a strategic enabler that bridges the gap between financial planning and financial outcomes, particularly in the context of salaried professionals in emerging economies.
Financial Self-Efficacy as a Predictor of FinTech Adoption and Financial Planning Behavior: Empirical Evidence from Palembang, Indonesia Rosananda Oktala; Fernando Africano; Dewi Fadila; Ogi Rifansyah
Golden Ratio of Auditing Research Vol. 7 No. 1 (2027): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grar.v7i1.2652

Abstract

This study examines the disconnect between high digital payment adoption and long-term financial planning in an emerging urban economy by investigating whether Financial Self-Efficacy predicts this gap directly or indirectly through FinTech Adoption. Using survey data collected from 149 urban residents of Palembang, Indonesia, comprising 54.4% students and 45.6% workers, the conceptual framework was evaluated using Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS 4. The analysis was complemented by the Heterotrait-Monotrait ratio (HTMT) for discriminant validity assessment, PLSpredict, and Multigroup Analysis (PLS-MGA) with Measurement Invariance of Composite Models (MICOM) testing. The results show that Financial Self-Efficacy significantly predicts FinTech Adoption and has a strong direct effect on Financial Planning Behavior. In contrast, FinTech Adoption does not significantly predict Financial Planning Behavior when Financial Self-Efficacy is controlled for, resulting in a non-significant indirect effect through FinTech Adoption. Furthermore, the multigroup analysis reveals that the predictive effect of Financial Self-Efficacy on FinTech Adoption is nearly twice as strong among students as among workers. These findings suggest that digital convenience alone does not automatically translate into long-term financial discipline. Instead, psychological capability, particularly Financial Self-Efficacy, serves as an important factor linking technology adoption and financial planning behavior, with its predictive strength varying across occupational groups within an emerging urban population.
Co-Authors Africano, Fernando Dewi Fadila Ewirta Lista Pertaviana Ogi Rifansyah