Influence of Self-Esteem and Objective Knowledge Financial of the Financial Behavior in Young Adults With Subjective Financial Knowledge Mediation as Variable

Gosal, Rex; Astuti, Dewi; Evelyn, Evelyn

doi:10.9744/ijfis.2.2.56-64

Cited by 5 publications

(6 citation statements)

References 20 publications

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“…Kemampuan seseorang dalam mengelola uangnya untuk memenuhi kebutuhannya saat ini dan masa depan tercermin dari perilaku keuangannya. Dew & Xiao (2011) menyatakan bahwa pengelolaan kredit, tabungan dan investasi, pengelolaan kas, dan konsumsi merupakan contoh indikator variabel perilaku keuangan. Skala Likert yang digunakan untuk mengukur berkisar dari (1) Tidak Pernah sampai (5) Selalu.…”

Section: Metodeunclassified

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Locus of Control Mediates Financial Attitudes, Knowledge, and Income effects on Millenial Financial Management Behavior in DKI Jakarta

Turnip,

Krisnandi

2023

J. Manaj. dan Kewirausahaan

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The millennial generation is capable of working and is already making money. However, a person's capacity for managing money is crucial, and this is connected to their finance knowledge. In this study, we investigate the effects of financial attitude, financial knowledge, and financial conduct on financial management behavior and locus of control, as well as the role of locus of control in mediating these associations. The study's sample included the following 220 millennials between the ages of 25 and 40 who were employed in the DKI Jakarta Province made up the sample for this study. The results of this study demonstrate that financial management behavior is highly influenced by financial attitude, financial knowledge, and income. Additionally, there is no obvious connection between locus of control and financial management practices. This study also discovered that income, financial knowledge, and financial attitude all significantly affect locus of control, but that locus of control is unable to mitigate the effects of these factors on financial management behavior.

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Section: Metodeunclassified

“…Kemampuan mengelola uang untuk memenuhi kebutuhan saat ini dan masa depan berkorelasi dengan perilaku keuangan seseorang. Indikator variabel perilaku keuangan meliputi pengelolaan kredit, tabungan dan investasi, pengelolaan kas, dan konsumsi menurut Dew & Xiao (2011).…”

Section: Metodeunclassified

Locus of Control Mediates Financial Attitudes, Knowledge, and Income effects on Millenial Financial Management Behavior in DKI Jakarta

Turnip,

Krisnandi

2023

J. Manaj. dan Kewirausahaan

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“…Financial capability is a combination of awareness, knowledge, ability, attitudes, and behaviors needed to make the best financial decisions that will make a person have the capability in financial management (OECD, 2011;Gosal et al, 2022). Vitt (2000) suggests Financial Capability is the ability to understand, analyze, manage, and communicate about personal economic conditions that will affect financial well-being.…”

Section: Literature Reviewmentioning

confidence: 99%

“…The OJK survey (2020) shows that the Indonesian people with financial literacy have only reached 38% of the total Indonesian population of more than 270 million people. Although the financial literacy of the Indonesian people has increased over the last three years, financial literacy in Indonesia is still relatively low (Gosal et al, 2022;Jessica et al, 2022). The OECD (2011) found a gap in the understanding and the skills in managing finances.…”

Section: Introductionmentioning

confidence: 99%

The Moderator Effect of Financial Apps on the Relationship Between Financial Education and Financial Capability

Linawati

Wijaya

2022

IJFIS

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This study aims to determine the effect of Socio-Demographic and Financial Education on Financial Capability with Financial Apps as the moderator variable. The research population is Generation Z aged 19-26 years. The research sample amounted to 100 respondents and data collection was done through the distribution of questionnaires via google form. The data analysis method used is Partial Least Square (PLS). In the industrial era 4.0, which is growing rapidly at this time, financial applications that are designed to help people manage finances have begun to appear. Digital financial management applications make people manage personal finances easily and practically. Financial management applications encourage people to further upgrade their knowledge about financial management to achieve financial goals in the future. The results showed that gender had a significant effect on financial capability and financial apps played a role in moderating the influence of gender on financial capability.

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“…instruments may be able to make more money and preserve more money (Hauff et al, 2020;Bernheim et al, 2003). Hilgert, Hogarth, and Beverley (2003) in Gosal et al (2021) characterized it as financial knowledge. According to , financial knowledge related to the concept of familiarity with the most basic economic principles required to make prudent saving and investing decisions.…”

Section: Individuals Knowledgeable About Financialmentioning

confidence: 99%

Financial Literacy on Millenial Entrepeneurs during Pandemic Covid-19

Firmialy¹,

Hidayat²

2022

Int. res. j. bus. stud.

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As one of the drivers of economic success and societal welfare in Indonesia, financial literacy is a must for young entrepreneurs today. The study attemps to evaluate Millenial entrepreneurs financial literacy and financial well-being conditions while several PPKM (Restrictions on Community Activities) during Pandemic Covid-19 are in effect. Between mid-October 2021 and early January 2022, the survey used 100 young entrepreneurs aged 21-40 in West Java Province, Indonesia as samples. The hypotheses testing results from Exploratory Factor Analysis (EFA) and Structural Equation Model (SEM) methods show a consistent association between the main components of financial literacy with the level of financial well-being, with insurance and personal savings and loans becoming the dominant predictor affected financial knowledge, followed with security that serves as main determinant that affected the level of financial attitude of these millenial entrepreneurs. However, this study has limitation as the sample and number of experimental parameters are small.

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Influence of Self-Esteem and Objective Knowledge Financial of the Financial Behavior in Young Adults With Subjective Financial Knowledge Mediation as Variable

Cited by 5 publications

References 20 publications

Locus of Control Mediates Financial Attitudes, Knowledge, and Income effects on Millenial Financial Management Behavior in DKI Jakarta

Locus of Control Mediates Financial Attitudes, Knowledge, and Income effects on Millenial Financial Management Behavior in DKI Jakarta

The Moderator Effect of Financial Apps on the Relationship Between Financial Education and Financial Capability

Financial Literacy on Millenial Entrepeneurs during Pandemic Covid-19

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