JURNAL MANAJEMEN MOTIVASI
Vol 21 No 2 (2025): Jurnal Manajemen Motivasi

Analysis of the Effectiveness of Government Financial Education Programs in Improving Household Financial Decision

Supardi, Musdalifah Putriami (Unknown)
Goso, Goso (Unknown)
Mustafa, Sri Wahyuny (Unknown)

Article Info

Publish Date
02 May 2026

Abstract

This study analyzes the effectiveness of government financial education programs in improving household financial decisions in North Luwu Regency. Using a quantitative approach with purposive sampling of 100 household heads, data were collected through Likert-scale questionnaires and analyzed using SmartPLS. The results show that financial management, household financial management, and financial literacy have significant positive effects on decisions. Financial literacy also mediates these influences, strengthening the relationship between management practices and decision-making. These findings highlight the need for sustainable mentoring strategies to enhance the program’s impact, encourage responsible financial behavior, and improve the long-term economic well-being of households in the region.

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...