Does Financial Behavior Mediate The Relationship Between Financial Literacy and Financial Experience Towards Financial Performance of Small Businesses?

Purwidianti, Wida; Tubastuvi, Naelati; Darmawan, Akhmad; Rahmawati, Ika Yustina

doi:10.2991/aebmr.k.211225.033

Cited by 8 publications

(19 citation statements)

References 32 publications

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“…The study's findings [22] demonstrate that gender has a substantial impact on financial behavior. While the results of the study [3] prove different results, gender does not have a substantial influence on financial behavior. Study on the impact of age on financial behavior has provided two opposing pieces of evidence.…”

Section: Introductionmentioning

confidence: 59%

“…The study's results [12], [23] prove that age substantially influences financial behavior. Study [3], [10] found that age did not impact financial behavior.…”

Section: Introductionmentioning

confidence: 91%

“…Good financial literacy will lead to optimal financial behavior [24]. [3] stated that increasing financial literacy will further improve the financial behavior of SME owners. The results of other studies also explain this [3], [9], [10], [13]- [15], [25]- [29].…”

Section: Financial Literacy On Financial Behaviormentioning

confidence: 99%

“…[3] stated that increasing financial literacy will further improve the financial behavior of SME owners. The results of other studies also explain this [3], [9], [10], [13]- [15], [25]- [29]. This study's first hypothesis is as follows:: H1: Financial Literacy has a Positive Impact on Financial Behavior…”

Section: Financial Literacy On Financial Behaviormentioning

confidence: 99%

“…Financial literacy can be interpreted as an individual's expertise in managing financial conditions at present and in the future [8]. There is currently inconsistency in the relationship between financial literacy and financial behavior [3], [9]- [15]. The results of other studies show different results.…”

Section: Introductionmentioning

confidence: 99%

See 4 more Smart Citations

The Impact Of Financial Literacy, Financial Planning, Financial Self-Efficiency, And Demographic Variables On Financial Behavior

Purwidianti¹,

Santoso²,

Darmawan³

et al. 2022

Proceedings of the 3rd International Conference of Business, Accounting, and Economics, ICBAE 2022, 10-11 August 2022, Purwoker

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This study examines the impact on financial behavior of financial literacy, financial planning, financial self-efficacy, and demographic variables. The study sample consisted of 89 owners of MSMEs in the West Purwokerto District. This analysis employs multiple linear regression. This study demonstrates that financial literacy, financial planning, and financial self-efficacy have a substantial impact on financial behavior. The demographic variables of level of education, gender, and age have no impact on financial behavior. These findings make a theoretical contribution to the advancement of knowledge in the field of Financial Management. In addition, the findings of this study will be of practical use to the proprietors of MSMEs.

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Section: Introductionmentioning

confidence: 59%

“…The study's results [12], [23] prove that age substantially influences financial behavior. Study [3], [10] found that age did not impact financial behavior.…”

Section: Introductionmentioning

confidence: 91%

Section: Financial Literacy On Financial Behaviormentioning

confidence: 99%

Section: Financial Literacy On Financial Behaviormentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

See 3 more Smart Citations

The Impact Of Financial Literacy, Financial Planning, Financial Self-Efficiency, And Demographic Variables On Financial Behavior

Purwidianti¹,

Santoso²,

Darmawan³

et al. 2022

Proceedings of the 3rd International Conference of Business, Accounting, and Economics, ICBAE 2022, 10-11 August 2022, Purwoker

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The Mediating and Moderating Effect on Smes' Performance: Does Religiosity Matter?

Lestari,

Lindiawati,

Ulum

et al. 2023

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Small and medium enterprises (SMEs) are entities managed and controlled by the owners. The performance of the owners strongly reflects the business performance of the SMEs. That is also the way of looking into the study aiming at analyzing the performance of SMEs from an Islamic perspective, which can be viewed from the owners' religiosity and financial behaviour. This framework is still rarely found in shari'a economics literature. This also involves further consideration of the need for Islamic values on the performance of small businesses in countries with Muslim-majority. Using a survey research design, 238 small business owners and managers participated in responding to a self-registered questionnaire research instrument. Using PLS-SEM, the research instrument has been tested for its validity and reliability and the variable's influence. The result proves that religiosity does not directly affect the performance of SMEs but indirectly influences the performance through financial behaviour. It means that religiosity forms good financial behaviour, and then the financial behaviour increases business performance. This study also finds that gender moderates the effect of religiosity on the behaviour of SME owners or managers. Furthermore, business age reduces the effect of financial behaviour on performance. The results of this study warn that old businesses should not make SMEs owners feel comfortable and resistant to change unless they fail to gain good business performance.

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Examining the relationship between entrepreneurial education and entrepreneurial intentions at universities of technology in KwaZulu-Natal, South Africa

Mncwabe,

Mugova

2024

IJRBS

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High unemployment levels means that graduates are now encouraged to consider entrepreneurship as a career, and it is necessary to understand how entrepreneurship education influences their career choices. We investigated the relationship between entrepreneurial education and entrepreneurial intentions of business management students at selected Universities of Technology (UoT) in KwaZulu-Natal, South Africa. We used quantitative research questionnaire to survey the entrepreneurial intentions and skills of students of 224 students enrolled in business courses and had completed a module in entrepreneurship at undergraduate level. Regression analysis of entrepreneurial education variables and entrepreneurial intention was conducted. The findings of this study indicated that Entrepreneurial intention is positively affected by entrepreneurial skills, creativity, leadership, and business experience but negatively by financial knowledge. These results show that while higher levels of financial knowledge have a negative impact on entrepreneurial intention of business students. Therefore, the university curriculum must cultivate traits like resourcefulness, leadership, and ambition which encourages beneficial outcomes of entrepreneurial intention amongst students.

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Does Financial Behavior Mediate The Relationship Between Financial Literacy and Financial Experience Towards Financial Performance of Small Businesses?

Cited by 8 publications

References 32 publications

The Impact Of Financial Literacy, Financial Planning, Financial Self-Efficiency, And Demographic Variables On Financial Behavior

The Impact Of Financial Literacy, Financial Planning, Financial Self-Efficiency, And Demographic Variables On Financial Behavior

The Mediating and Moderating Effect on Smes' Performance: Does Religiosity Matter?

Examining the relationship between entrepreneurial education and entrepreneurial intentions at universities of technology in KwaZulu-Natal, South Africa

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