Multidisciplinary Indonesian Center Journal
Vol. 3 No. 3 (2026): Vol. 03 No. 3 Edisi Juli 2026

THE DYNAMICS OF INTERACTION OF CULTURAL, ECONOMIC, AND SOCIAL FACTORS IN SHAPING FINANCIAL FINANCING PREFERENCES AND ENTREPRENEURIAL INTENTIONS OF FEMALE STUDENTS

Zeze Zakaria Hamzah (Institut Teknologi dan Bisnis Dewantara)
Mujito Mujito (Institut Teknologi dan Bisnis Dewantara)
Dadang Junaedi (3Universitas Bina Niaga)
Vionita Qatrunnada (Institut Teknologi dan Bisnis Dewantara)



Article Info

Publish Date
15 Jul 2026

Abstract

This study aims to analyze the influence of cultural, economic, and social factors on financial financing preferences and their implications for the entrepreneurial intentions of female students. Entrepreneurial intention refers to an individual's psychological readiness and commitment to start a business in the future.  This research employs a quantitative approach using a survey method by distributing questionnaires to female students as respondents. Data analysis was conducted using Structural Equation Modeling (SEM) with the AMOS program to examine the relationships among the research variables. The results indicate that social factors have the most dominant influence on financial financing preferences and entrepreneurial intentions of female students. Cultural and economic factors also show positive effects on entrepreneurial intentions, although their influence is relatively smaller than social factors. In addition, financial financing preferences also contribute to shaping students’ entrepreneurial intentions. The findings of this study are expected to contribute to the development of entrepreneurship education in higher education institutions and encourage female students to pursue entrepreneurial activities.

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Journal Info

Abbrev

micjo

Publisher

Subject

Religion Humanities Earth & Planetary Sciences Education Other

Description

Multidisciplinary Indonesian Center Journal (MICJO) adalah Jurnal multidisiplin yang membahas dan mengkaji semua disiplin ilmu, seperti: - Humaniora - Ilmu sosial - IPA - Ilmu hukum - Ilmu pendidikan, - Ilmu agama - Ilmu bahasa - Filsafat, - Teknik - Bisnis - Ekonomi - Manajemen - Teknologi ...