THE EFFECT OF FINANCIAL LITERACY AND FINANCIAL SELF-EFFICACY ON FINANCIAL TECHNOLOGY AND FINANCIAL BEHAVIOR IN THE MILLENNIAL GENERATION OF MAKASSAR CITY (STUDY ON FRESH MARKET IN MAKASSAR CITY)
Keywords:
Financial Literacy, Financial Self-Efficacy, Financial Technology, Finan-cial Behavior
Abstract
This study aims to determine the direct and indirect influence of financial literacy and financial self-efficacy on financial behavior through financial technology as an intervening variable. This study uses a quantitative approach, with the number of samples used in this study as many as 170 respondents determined by the hair method. The findings of the study show that financial literacy on financial technology has a positive and significant value, financial self-efficacy on financial technology has a significant positive effect, financial literacy on financial behavior has a significant positive effect, financial self-efficacy on financial behavior has a significant positive effect, financial technology has a significant positive effect on financial behavior, indirect influence shows that financial technology has a significant positive effect as a mediator of both financial literacy on financial behavior and financial self-efficacy on financial behavior
Downloads
Download data is not yet available.
References
Agus, M. (2022). Pengaruh Faktor Keuangan Mahasiswa Madiun Terhadap Keputusan Menabung Dimasa Pandemi The Influence of Madiun Student Financial Factors Against the Decision to Save During the Pandemic. Sinomika Journal | Volume, 1(4), 709–726.
Asmin, E. A. (2021). Pengaruh Perilaku Keuangan, Financial-Self Efficacy Dan Entrepreneurial Mindset Terhadap Teknologi Informasi Dan Kinerja Keuangan (Studi Pada UKM Di Kota Makassar). Univesitas Hasanuddin Makassar.
Asriyani, L., & Johan, I. R. (2023). the Effect of Financial Literacy and Self-Efficacy on Interest in Using Peer To Peer Lending Among Millennials. Journal of Child, Family, and Consumer Studies, 2(2), 167–178. https://doi.org/10.29244/jcfcs.2.2.167-178
Cristina, F., Magdalena, S., Amelinda, R., Mannuela, R., & Oktavini, E. (2023). Peran Financial Self-Efficacy Pada Kualitas Pembelajaran Akuntansi Dan Keuangan Terhadap Keputusan Investasi. 28(03), 367–386.
Dewiningrat, A. I., Nurmalasari, M. R., Prawitasari, P. P., Krismajayanti, N. P. A., & Tariana, I. W. A. (2019). Financial Self-Efficacy Terhadap Financial Management Behavior Pada Generasi Milenial Kota Denpasar. 13(2), 128–137.
Farida, M. N., Soesatyo, Y., & Aji, T. S. (2021). Influence of Financial Literacy and Use of Financial Tech-nology on Financial Satisfaction through Financial Behavior. International Journal of Education and Literacy Studies, 9(1), 86. https://doi.org/10.7575/aiac.ijels.v.9n.1p.86
Firdaus, A. F., & Kadarningsih, A. (2023). Peran Financial Sosialization, Financial Self-Efficacy Dan Finan-cial Knowledge Terhadap Financial Management Behavior Generasi Z. 3(3), 415–425.
Ghozali, I. (2018). Aplikasi Analisis Multivariete. Universitas. Diponegoro, Semarang.
Ghozali, I. (2019). Aplikasi Analisis Multivariate dengan Program SPSS. Journal of Chemical Information and Modeling. https://doi.org/10.1017/CBO9781107415324.004
Hair, Jr, J. F. (2015). Essentials of Business Research Methods. In Essentials of Business Research Methods. https://doi.org/10.4324/9781315704562
Hidayat, A., Rahman, A., Baharuddin, M., & Muhammad, S. (2020). Intervening Profitability Influence of Liquidity on Corporate Values in Food and Beverage Companies Which is listed in Indonesia Stock Exchange. International Journal of Innovative Science and Research Technology, 5(5), 740–743.
Hijir, P. S. (2022). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Dengan Financial Technology (Fintech) Sebagai Variabel Intervening Pada Ukm Di Kota Jambi. Jurnal Manajemen Terapan Dan Keuangan, 11(01), 147–156. https://doi.org/10.22437/jmk.v11i01.17273
Miftahulillah, D., Rahmat, P. S., & Suryani, Y. (2023). Pengaruh Literasi Keuangan dan Gaya Hidup Ter-hadap Perilaku Keuangan Melalui Self Efficacy Sebagai Variabel Mediasi survey Terhadap maha-siswa Fakultas Pendidikan dan Sains Universitas Swadaya Gunung Jati Cirebon. Journal of Engineer-ing Research, 6, 2097–2110.
Morgan, P. J., & Trinh, L. Q. (2019). Fintech and Financial Literacy in the Lao PDR. ADBI Working Paper Series. https://doi.org/doi.org/10.2139
Nikmatus, S. D., & Yuyun, I. (2023). Pengaruh Literasi Keuangan, Pengetahuan Keuangan, Locus Of Control, Dan Hedonism Lifestyle Terhadap Financial Management Behavior. Jurnal Ilmu Manajemen, 11(3), 589–601.
Nisa, F. K., & Haryono, N. A. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financial Self Effi-cacy, Income, Locus of Control, dan Lifestyle terhadap Financial Management Behavior Generasi Z di Kota Surabaya. Jurnal Ilmu Manajemen, 10(1), 82–97. https://doi.org/10.26740/jim.v10n1.p82-97
Nopiyani, M. (2021). Pengaruh Literasi Keuangan Dan Financial Self-Efficacy Terhadap Inklusi Keuangan Melalui Financial Technology (Survei pada Mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Universitas Siliwangi Angkatan 2018). Universitas Siliwangi.
Palimbong, S. M., Pali, E., Biringkanae, A., & Tangdialla, R. (2023). Pengaruh Literasi Keuangan Terhadap Penggunaan Digital Payment Pada Mahasiswa Fakultas Ekonomi Uki Toraja. Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen Dan Bisnis, 1(3), 277–297.
Pramudya, T., Perkasa, W., & Retnaningdiah, D. (2023). Efficacy Dan Teknologi Keuangan Terhadap Per-ilaku Keuangan Mahasiswa Di Yogyakarta. Journal Competency Of Bussines, 9–19.
Rahma, F. A., & Susanti, S. (2022). Pengaruh Literasi Keuangan, Financial Self Efficacy dan Fintech Pay-ment terhadap Manajemen Keuangan Pribadi Mahasiswa. Edukatif : Jurnal Ilmu Pendidikan, 4(3), 3236–3247. https://doi.org/10.31004/edukatif.v4i3.2690
Rinjani, V., & Arnita, V. (2023). Kemudahan Financial Technology Terhadap Kemampuan Saving Behavior Generasi Z. 1(3), 99–102.
Rohmawati, L., Amaliyah, E. D. E., & Prabasari, B. (2023). Literasi Keuangan Dan Perilaku Keuangan: Peran Variabel Moderasi GRIT. 14(1), 1–17.
Siskawati, E. N., & Ningtyas, M. N. (2022). Financial Literature, Financial Technology and Student Financial Behavior. DIALEKTIKA: Jurnal Ekonomi Dan Ilmu Sosial, 7(2), 102–113. https://doi.org/10.36636/dialektika.v7i2.1334
Solimun. (2017). Metode Statistika Multivariat. Pemodelan Persamaan Struktural (SEM) Pendekatan Warp-PLS. UB Press, Malang.
Sonjaya, Y., & Aldi, D. A. (2023). Survey atas Perilaku Pengelolaan Keuangan Mahasiswa Akuntansi di Ja-yapura. 225–231.
Suwatno, S., Waspada, I. P., & Mulyani, H. (2020). Meningkatkan Perilaku Pengelolaan Keuangan Maha-siswa Melalui Financial Literacy dan Financial Sel Efficacy. Jurnal Pendidikan Akuntansi & Keu-angan, 8(1), 87–96. https://doi.org/10.17509/jpak.v8i1.21938
Tambun, S., & Manuel, A. (2023). Peran Preferensi Risiko Dalam Memoderasi Financial Literacy Dan Finan-cial Self-Efficacy Terhadap Perilaku Pengelolaan Keuangan. 3, 9426–9440.
Ubaidillah, M. S. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Dengan Sikap Keuangan Dan Self-Efficacy Sebagai Variabel Mediasi. Perpustakaan Universitas Airlangga, 310–320. http://repository.unair.ac.id/88317/
Utami, N. G. P., & Isbanah, Y. (2023). Pengaruh financial literacy, financial attitude, financial technology, self-control, dan hedonic lifestyle terhadap financial behavior. Jurnal Ilmu Manajemen, 11(3), 506–521.
Yesipah, & Susilo Setiyawan. (2023). Pengaruh Literasi Keuangan, Lokus Kendali dan Kebiasaan Belanja terhadap Pengelolaan Keuangan Pribadi. Jurnal Riset Manajemen Dan Bisnis, 53–60. https://doi.org/10.29313/jrmb.v3i1.2063
Asmin, E. A. (2021). Pengaruh Perilaku Keuangan, Financial-Self Efficacy Dan Entrepreneurial Mindset Terhadap Teknologi Informasi Dan Kinerja Keuangan (Studi Pada UKM Di Kota Makassar). Univesitas Hasanuddin Makassar.
Asriyani, L., & Johan, I. R. (2023). the Effect of Financial Literacy and Self-Efficacy on Interest in Using Peer To Peer Lending Among Millennials. Journal of Child, Family, and Consumer Studies, 2(2), 167–178. https://doi.org/10.29244/jcfcs.2.2.167-178
Cristina, F., Magdalena, S., Amelinda, R., Mannuela, R., & Oktavini, E. (2023). Peran Financial Self-Efficacy Pada Kualitas Pembelajaran Akuntansi Dan Keuangan Terhadap Keputusan Investasi. 28(03), 367–386.
Dewiningrat, A. I., Nurmalasari, M. R., Prawitasari, P. P., Krismajayanti, N. P. A., & Tariana, I. W. A. (2019). Financial Self-Efficacy Terhadap Financial Management Behavior Pada Generasi Milenial Kota Denpasar. 13(2), 128–137.
Farida, M. N., Soesatyo, Y., & Aji, T. S. (2021). Influence of Financial Literacy and Use of Financial Tech-nology on Financial Satisfaction through Financial Behavior. International Journal of Education and Literacy Studies, 9(1), 86. https://doi.org/10.7575/aiac.ijels.v.9n.1p.86
Firdaus, A. F., & Kadarningsih, A. (2023). Peran Financial Sosialization, Financial Self-Efficacy Dan Finan-cial Knowledge Terhadap Financial Management Behavior Generasi Z. 3(3), 415–425.
Ghozali, I. (2018). Aplikasi Analisis Multivariete. Universitas. Diponegoro, Semarang.
Ghozali, I. (2019). Aplikasi Analisis Multivariate dengan Program SPSS. Journal of Chemical Information and Modeling. https://doi.org/10.1017/CBO9781107415324.004
Hair, Jr, J. F. (2015). Essentials of Business Research Methods. In Essentials of Business Research Methods. https://doi.org/10.4324/9781315704562
Hidayat, A., Rahman, A., Baharuddin, M., & Muhammad, S. (2020). Intervening Profitability Influence of Liquidity on Corporate Values in Food and Beverage Companies Which is listed in Indonesia Stock Exchange. International Journal of Innovative Science and Research Technology, 5(5), 740–743.
Hijir, P. S. (2022). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Dengan Financial Technology (Fintech) Sebagai Variabel Intervening Pada Ukm Di Kota Jambi. Jurnal Manajemen Terapan Dan Keuangan, 11(01), 147–156. https://doi.org/10.22437/jmk.v11i01.17273
Miftahulillah, D., Rahmat, P. S., & Suryani, Y. (2023). Pengaruh Literasi Keuangan dan Gaya Hidup Ter-hadap Perilaku Keuangan Melalui Self Efficacy Sebagai Variabel Mediasi survey Terhadap maha-siswa Fakultas Pendidikan dan Sains Universitas Swadaya Gunung Jati Cirebon. Journal of Engineer-ing Research, 6, 2097–2110.
Morgan, P. J., & Trinh, L. Q. (2019). Fintech and Financial Literacy in the Lao PDR. ADBI Working Paper Series. https://doi.org/doi.org/10.2139
Nikmatus, S. D., & Yuyun, I. (2023). Pengaruh Literasi Keuangan, Pengetahuan Keuangan, Locus Of Control, Dan Hedonism Lifestyle Terhadap Financial Management Behavior. Jurnal Ilmu Manajemen, 11(3), 589–601.
Nisa, F. K., & Haryono, N. A. (2022). Pengaruh Financial Knowledge, Financial Attitude, Financial Self Effi-cacy, Income, Locus of Control, dan Lifestyle terhadap Financial Management Behavior Generasi Z di Kota Surabaya. Jurnal Ilmu Manajemen, 10(1), 82–97. https://doi.org/10.26740/jim.v10n1.p82-97
Nopiyani, M. (2021). Pengaruh Literasi Keuangan Dan Financial Self-Efficacy Terhadap Inklusi Keuangan Melalui Financial Technology (Survei pada Mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Universitas Siliwangi Angkatan 2018). Universitas Siliwangi.
Palimbong, S. M., Pali, E., Biringkanae, A., & Tangdialla, R. (2023). Pengaruh Literasi Keuangan Terhadap Penggunaan Digital Payment Pada Mahasiswa Fakultas Ekonomi Uki Toraja. Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen Dan Bisnis, 1(3), 277–297.
Pramudya, T., Perkasa, W., & Retnaningdiah, D. (2023). Efficacy Dan Teknologi Keuangan Terhadap Per-ilaku Keuangan Mahasiswa Di Yogyakarta. Journal Competency Of Bussines, 9–19.
Rahma, F. A., & Susanti, S. (2022). Pengaruh Literasi Keuangan, Financial Self Efficacy dan Fintech Pay-ment terhadap Manajemen Keuangan Pribadi Mahasiswa. Edukatif : Jurnal Ilmu Pendidikan, 4(3), 3236–3247. https://doi.org/10.31004/edukatif.v4i3.2690
Rinjani, V., & Arnita, V. (2023). Kemudahan Financial Technology Terhadap Kemampuan Saving Behavior Generasi Z. 1(3), 99–102.
Rohmawati, L., Amaliyah, E. D. E., & Prabasari, B. (2023). Literasi Keuangan Dan Perilaku Keuangan: Peran Variabel Moderasi GRIT. 14(1), 1–17.
Siskawati, E. N., & Ningtyas, M. N. (2022). Financial Literature, Financial Technology and Student Financial Behavior. DIALEKTIKA: Jurnal Ekonomi Dan Ilmu Sosial, 7(2), 102–113. https://doi.org/10.36636/dialektika.v7i2.1334
Solimun. (2017). Metode Statistika Multivariat. Pemodelan Persamaan Struktural (SEM) Pendekatan Warp-PLS. UB Press, Malang.
Sonjaya, Y., & Aldi, D. A. (2023). Survey atas Perilaku Pengelolaan Keuangan Mahasiswa Akuntansi di Ja-yapura. 225–231.
Suwatno, S., Waspada, I. P., & Mulyani, H. (2020). Meningkatkan Perilaku Pengelolaan Keuangan Maha-siswa Melalui Financial Literacy dan Financial Sel Efficacy. Jurnal Pendidikan Akuntansi & Keu-angan, 8(1), 87–96. https://doi.org/10.17509/jpak.v8i1.21938
Tambun, S., & Manuel, A. (2023). Peran Preferensi Risiko Dalam Memoderasi Financial Literacy Dan Finan-cial Self-Efficacy Terhadap Perilaku Pengelolaan Keuangan. 3, 9426–9440.
Ubaidillah, M. S. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Keuangan Dengan Sikap Keuangan Dan Self-Efficacy Sebagai Variabel Mediasi. Perpustakaan Universitas Airlangga, 310–320. http://repository.unair.ac.id/88317/
Utami, N. G. P., & Isbanah, Y. (2023). Pengaruh financial literacy, financial attitude, financial technology, self-control, dan hedonic lifestyle terhadap financial behavior. Jurnal Ilmu Manajemen, 11(3), 506–521.
Yesipah, & Susilo Setiyawan. (2023). Pengaruh Literasi Keuangan, Lokus Kendali dan Kebiasaan Belanja terhadap Pengelolaan Keuangan Pribadi. Jurnal Riset Manajemen Dan Bisnis, 53–60. https://doi.org/10.29313/jrmb.v3i1.2063
Published
2024-10-31
How to Cite
Kurniawaty, A. G. (2024). THE EFFECT OF FINANCIAL LITERACY AND FINANCIAL SELF-EFFICACY ON FINANCIAL TECHNOLOGY AND FINANCIAL BEHAVIOR IN THE MILLENNIAL GENERATION OF MAKASSAR CITY (STUDY ON FRESH MARKET IN MAKASSAR CITY). Point of View Research Economic Development, 5(2). Retrieved from https://journal.accountingpointofview.id/index.php/POVRED/article/view/338
Issue
Section
Articles
