The role of financial knowledge in realizing financial behavior: is it any mediating effect of financial attitudes and self-efficacy?

H, Ardiana Nur Maulida; Indarto, Indarto; Santoso, Aprih

doi:10.20885/ambr.vol1.iss2.art5

Cited by 3 publications

(2 citation statements)

References 21 publications

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“…Individual decisions based on specific emotions such as anger and anxiety will make financial decisions inappropriate. In contrast to individuals with high financial control, their behavior is more likely to have a positive attitude toward financial planning (Maulida et al, 2021).…”

Section: Financial Attitudementioning

confidence: 93%

Financial Management Behavior for E-Wallet Users in Jabodetabek

Nalurita

Leon²,

Nisfiannoor³

2022

bus. and entrepreneurial rev.

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This study aims to investigate the impact of financial knowledge, financial attitudes, and internal locus control on financial management behavior with the moderating role of financial risk tolerance. In addition, to analyze the effect of financial knowledge on financial management behavior mediated by financial attitudes. The data collected comes from e-wallet users in Greater Jakarta therefore the sample obtained was 350. Data collected through surveys, tested through validity and reliability tests. Furthermore, hypothesis testing using Structural Equation Modeling. The findings of this study were financial knowledge, financial attitudes, and internal locus control had a significant influence on financial management behavior. It was also found that financial knowledge had an impact on financial attitudes. Financial risk tolerance significantly moderates the relationship between internal locus control and financial management behavior. In addition, it can be proven that financial attitudes mediate the relationship between financial knowledge and financial management behavior. The implication of this research is to help the public, especially electronic wallet users, to be more responsible in financial management behavior and to be able to make wise decisions in their financial expenditures. Meanwhile, policymakers can be more aggressive in conducting financial education programs for the public so that people have more in-depth financial knowledge, especially when using digital financial applications such as e-wallets that continue to grow.

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Section: Financial Attitudementioning

confidence: 93%

Financial Management Behavior for E-Wallet Users in Jabodetabek

Nalurita

Leon²,

Nisfiannoor³

2022

bus. and entrepreneurial rev.

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“…Financial attitude specifically financial risk tolerance was found to influence one aspect of financial behaviour of gold investment (Fauzi et al, 2017). In a recent study, financial attitudes and self-efficacy were found to have a positive and significant direct effect on the financial behaviour of students in Semarang City (Maulida et al, 2021).…”

Section: Debt Attitudementioning

confidence: 94%

Mediation Effect of Debt Behaviour on Malaysian Employees’ Financial Strain Moderated by Job Satisfaction

Husniyah¹,

Nurul²,

Amirah³

et al. 2022

IJARBSS

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Recession and currently the unfolding pandemic COVID-19 do greatly impact most households economically. Individuals faced uncertainty affecting them in various aspects of life leading to stressful situation. The Expected Utility Theory supported this study aiming to identify factors affecting financial strain and the mediating effect of debt behaviour including the moderating effect by job satisfaction. A multi-stage random sampling among Malaysian employees resulted in 322 usable forms. External locus of control and debt attitude were found to be significantly affecting financial strain of employees. Mediation effect of debt behaviour was confirmed in the influence by debt attitude. Job satisfaction was found to moderate the influence of debt behaviour on the financial strain. Thus, employees should be concerned with their debt management as it can reduce financial strain. Ensuring high job satisfaction should be the focus of employers to multiply the effect of positive debt behaviour in reducing the financial strain.

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Comparison of Financial Literacy in Different Countries

Adiandari

Fitriandari

2023

IJSRST

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The essence of the discussion of this paper is to gain an in-depth understanding of some comparative information on financial literacy in several countries in the world. As data to support this discussion, we have visited some online literature sources on reports or publications of academic pepper books and works, especially the discussion of financial literacy in each country and why it is essential to study. After obtaining several related literatures, we examined it under a phenomenological study approach, which is an approach that tries to understand a problem from several available pieces of information and data. Among other things, we code, evaluate in-depth data, synchronize data, and occasionally perform interpretations. In order to find some relevant and valid information to answer the research questions and hypotheses,this study prioritizes publication or secondary data from various journals and media at home and abroad. After gaining an in-depth understanding and discussion, comparing financial literacy in several countries has shown several things that distinguish countries with a financial teaching background from ordinary countries. In other words, financial literacy determines the welfare of a nation. This study will likely become a meaningful input in the development of follow up studies.

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The role of financial knowledge in realizing financial behavior: is it any mediating effect of financial attitudes and self-efficacy?

Cited by 3 publications

References 21 publications

Financial Management Behavior for E-Wallet Users in Jabodetabek

Financial Management Behavior for E-Wallet Users in Jabodetabek

Mediation Effect of Debt Behaviour on Malaysian Employees’ Financial Strain Moderated by Job Satisfaction

Comparison of Financial Literacy in Different Countries

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