Jurnal Multidisiplin Sahombu
Vol. 6 No. 02 (2026): Jurnal Multidisiplin Sahombu, 2026

The Effect of Financial Literacy and Financial Attitude on Financial Management with Personality as an Intervening Variable on BRI Micro Credit Customers, Khatib Sulaiman Branch, Padang City

Guslindawati, Guslindawati (Unknown)
Elfiswandi, Elfiswandi (Unknown)
Lusiana, Lusiana (Unknown)

Article Info

Publish Date
07 Mar 2026

Abstract

This study aims to examine the influence of financial literacy and financial attitudes on financial management, with personality as an intervening variable among BRI microcredit customers at the Khatib Sulaiman Branch in Padang City. Data collection was conducted through a survey and questionnaire distribution, with a sample of 95 respondents. The analysis method used was structural equation modeling using SmartPLS. The results showed a significant influence of financial literacy on personality. There was a significant influence of financial attitudes on personality. There was a significant influence of financial literacy on financial management. There was a significant influence of financial attitudes on financial management. There was a significant influence of personality on financial management. Personality mediated the influence of financial literacy on personality. Personality mediated the influence of financial attitudes on personality.

Copyrights © 2026




Citation Download
RIS
EndNote, Reference Manager, ProCite
BibTex
Latex, Jabref
Original Source
Download Original
Google Scholar
Check in Google Scholar
Journal Info
Jurnal Multidisiplin Sahombu
Website

Abbrev

JMS

Publisher

SEAN INSTITUTE

Subject

Arts Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice

Description

Jurnal Multidisiplin Sahombu is at the scope of the multidisciplinary intended is only limited to the following points, Economics Politics Public Business Civil society, Finance Culture Arts ...