Financial Management Behavior for E-Wallet Users in Jabodetabek

IF 2.6 Q1 ECONOMICS

Entrepreneurial Business and Economics Review Pub Date : 2022-10-19 DOI:10.25105/ber.v22i2.13951

Febria Nalurita, F. M. Leon, M. Nisfiannoor

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引用次数: 0

Abstract

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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Jabodetabek电子钱包用户的财务管理行为

本研究旨在探讨财务知识、财务态度和内部基因座控制对财务管理行为的影响，以及财务风险承受能力的调节作用。此外，分析财务知识在财务态度的中介作用下对财务管理行为的影响。收集的数据来自大雅加达的电子钱包用户，因此获得的样本为350。通过调查收集的数据，通过效度和信度测试进行测试。进一步，利用结构方程模型进行假设检验。本研究发现，财务知识、财务态度、内部基因座控制对财务管理行为有显著影响。研究还发现，财务知识对财务态度有影响。财务风险承受能力显著调节内部基因座控制与财务管理行为的关系。此外，可以证明财务态度在财务知识与财务管理行为之间起到中介作用。本研究的意义在于帮助公众，特别是电子钱包用户，在财务管理行为上更加负责任，能够在财务支出上做出明智的决策。与此同时，政策制定者可以更积极地为公众开展金融教育项目，使人们拥有更深入的金融知识，特别是在使用电子钱包等不断增长的数字金融应用程序时。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Entrepreneurial Business and Economics Review ECONOMICS-

CiteScore

7.20

自引率

7.90%

发文量

期刊介绍： Entrepreneurial Business and Economics Review (EBER), as multi-disciplinary and multi-contextual journal, is dedicated to serve as a broad and unified platform for revealing and spreading economics and management research focused on entrepreneurship, individual entrepreneurs as well as particular entrepreneurial aspects of business. It attempts to link theory and practice in different sections of economics and management by publishing various types of articles, including research papers, conceptual papers and literature reviews. Our geographical scope of interests include Central and Eastern Europe and emerging markets, however we also welcome articles beyond this scope. The Journal accept the articles from the following fields: -Entrepreneurship and Business Studies (in particular entrepreneurship and innovation, strategic entrepreneurship, corporate entrepreneurship, entrepreneurship methodology, new trends in HRM and HRD as well as organizational behaviour, entrepreneurial management, entrepreneurial business, management methodology, modern trends in business studies and organization theory, policies promoting entrepreneurship, innovation, R&D and SMEs, education for entrepreneurship), -International Business and Global Entrepreneurship (especially international entrepreneurship, European business, and new trends in international business, IB methodology), -International Economics and Applied Economics (in particular the role of entrepreneurship and the entrepreneur in economics, international economics including the economics of the European Union and emerging markets, as well as Europeanization, new trends in economics, economics methodology).