JURNAL MANAJEMEN MOTIVASI
Vol 22 No 2 (2026): Jurnal Manajemen Motivasi

Pengaruh Inklusi Keuangan dan Pembayaran Digital terhadap Perilaku Manajemen Keuangan UMKM di Semarang: Peran Mediasi Efikasi Diri Keuangan

Havid Enggal Prasetya (Unknown)
Sukamto (Unknown)

Article Info

Publish Date
25 Sep 2026

Abstract

This study examines financial self-efficacy as a mediator between financial inclusion, digital payment adoption, and financial management behavior among MSMEs in Semarang City. Survey data from 100 respondents were analyzed using PLS-SEM. Financial inclusion and digital payment adoption had no significant direct effects on financial management behavior, but both positively and significantly influenced financial self-efficacy. Financial self-efficacy positively and significantly influenced financial management behavior and mediated both relationships. These findings highlight the importance of complementing financial access and digital payment adoption with practical training that strengthens financial confidence to support better financial management. Keywords: Financial Inclusion; Digital Payment Adoption; Financial Self-Efficacy; Financial Management Behavior

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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 ...