Impact of Financial Literacy on Financial Behavior and Entrepreneurial Intention: Gender as a Moderator. Study on Undergraduate Students in Kupang City
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Oct 28, 2022
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Abstract
This study aims to investigate the moderating role of gender in the relationship between financial literacy and financial behavior, as well as the relationship between financial literacy and entrepreneurial intention. Data were obtained from 164 final year students who voluntarily acted as respondents. With a quantitative approach, the data that has been obtained is then analyzed using the Structural Equation Modeling (SEM) technique with the help of SmartPLS 3.0 software. The results of this study indicate that gender differences among students moderate the relationship between financial literacy and financial behavior, as well as the relationship between financial literacy and entrepreneurial interest. In addition to theoretical contributions, practical contributions from this research can be applied by stakeholders to foster intention to be entrepreneurs among students.
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How to Cite
Maria, M. (2022). Impact of Financial Literacy on Financial Behavior and Entrepreneurial Intention: Gender as a Moderator. Study on Undergraduate Students in Kupang City. Enrichment : Journal of Management, 12(4), 3190-3195. https://doi.org/10.35335/enrichment.v12i4.764
References
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Fanggidae, J. P., Sahetapy, S. Y., & Mumu, N. D. (2022). Gender Differences in Covid-19 Vaccination Intention. International Conference on Applied Science and Technology on Social Science 2021 (iCAST-SS 2021),
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Laily, N. (2016). Pengaruh literasi keuangan terhadap perilaku mahasiswa dalam mengelola keuangan. Journal of Accounting and Business Education, 1(4), 1-17.
Littunen, H. (2000). Entrepreneurship and the characteristics of the entrepreneurial personality. International journal of entrepreneurial behavior & research.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of economic literature, 52(1), 5-44.
Manafe, J. (2021). The Effect of Financial Knowledge, Financial Experience and Spiritual Intelligence on Investment Planning Behavior. Jurnal Ekonomi & Bisnis JAGADITHA, 8(2), 209-214.
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Putri, A. R., & Asrori, A. (2018). Determinan Literasi Finansial Dengan Gender Sebagai Variabel Moderasi. Economic Education Analysis Journal, 7(3), 894-908.
Rapih, S. (2016). Pendidikan Literasi Keuangan Pada Anak: Mengapa dan Bagaimana? Scholaria: Jurnal Pendidikan dan Kebudayaan, 6(2), 14-28.
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Struckell, E. M., Patel, P. C., Ojha, D., & Oghazi, P. (2022). Financial literacy and self employment–The moderating effect of gender and race. Journal of Business Research, 139, 639-653.
Tekin, B., & Asar, M. (2021). Role of Entrepreneurial Self-Efficacy and Risk-Taking Tendencies in the Relationship Between Financial Literacy and Entrepreneurial Intention. Social Entrepreneurship Review, 1.
Tuati, N. F. (2020). Dampak Literasi Keuangan terhadap Kelebihan Berhutang di Kalangan Pekerja Tetap di Kota Kupang. Bisman-Jurnal Bisnis & Manajemen, 5(02), 61-66.
Wang, J.-H., Chang, C.-C., Yao, S.-N., & Liang, C. (2016). The contribution of self-efficacy to the relationship between personality traits and entrepreneurial intention. Higher Education, 72(2), 209-224.
Wicaksono, E. D. (2015). Pengaruh Financial Literacy Terhadap Perilaku Pembayaran Kartu Kredit Pada Karyawan di Surabaya. Finesta, 3(1), 85-90.
Widyawati, I. (2012). Faktor-faktor yang mempengaruhi literasi finansial mahasiswa fakultas ekonomi dan bisnis Universitas Brawijaya. Assets: Jurnal Akuntansi dan Pendidikan, 1(1), 89-99.
Yushita, A. N. (2017). Pentingnya literasi keuangan bagi pengelolaan keuangan pribadi. Nominal: Barometer Riset Akuntansi dan Manajemen, 6(1), 11-26.
Alshebami, A. S., & Aldhyani, T. H. (2022). The interplay of social influence, financial literacy, and saving behaviour among Saudi youth and the moderating effect of self-control. Sustainability, 14(14), 8780.
Angelina, A. L. (2021). Pengaruh terpaan konten Youtube Raditya Dika terhadap literasi finansial generasi Z di Surabaya UIN Sunan Ampel Surabaya].
Fanggidae, J. P. (2019). Relationships between advertising value and dimensions of advertising: A case of television advertising of GSM providers in Indonesia. The International Journal of Social Sciences World (TIJOSSW), 1(01), 48-57.
Fanggidae, J. P., Sahetapy, S. Y., & Mumu, N. D. (2022). Gender Differences in Covid-19 Vaccination Intention. International Conference on Applied Science and Technology on Social Science 2021 (iCAST-SS 2021),
Laila, V., Hadi, S., & Subanji, S. (2019). Pelaksanaan pendidikan literasi finansial pada siswa sekolah dasar. Jurnal Pendidikan: Teori, Penelitian, Dan Pengembangan, 4(11), 1491-1495.
Laily, N. (2016). Pengaruh literasi keuangan terhadap perilaku mahasiswa dalam mengelola keuangan. Journal of Accounting and Business Education, 1(4), 1-17.
Littunen, H. (2000). Entrepreneurship and the characteristics of the entrepreneurial personality. International journal of entrepreneurial behavior & research.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of economic literature, 52(1), 5-44.
Manafe, J. (2021). The Effect of Financial Knowledge, Financial Experience and Spiritual Intelligence on Investment Planning Behavior. Jurnal Ekonomi & Bisnis JAGADITHA, 8(2), 209-214.
Manafe, J. D., & Fanggidae, J. P. (2021). Materialism and Individuals’ Over-indebtedness: A Case of Indonesia. International Conference on Applied Science and Technology on Social Science (ICAST-SS 2020),
Maria, M. (2022). PENGARUH LITERASI FINANSIAL TERHADAP KEBIASAAN MENABUNG. PERAN MEDIASI DARI KONTROL DIRI. STUDI PADA PENGUSAHA KECIL DAN MENENGAH DI KOTA KUPANG. Eqien-Jurnal Ekonomi dan Bisnis, 10(1), 487-493.
Oggero, N., Rossi, M. C., & Ughetto, E. (2020). Entrepreneurial spirits in women and men. The role of financial literacy and digital skills. Small Business Economics, 55(2), 313-327.
Pamungkas, B. A., Mulyanto, H., & Andriyani, M. (2021). Literasi Keuangan dan Pendapatan Usaha dalam Mempengaruhi Perilaku Menabung Pelaku UKM. MASTER: Jurnal Manajemen Strategik Kewirausahaan, 1(2), 205-212.
Postmus, J. L., Plummer, S.-B., McMahon, S., & Zurlo, K. A. (2013). Financial literacy: Building economic empowerment with survivors of violence. Journal of Family and Economic Issues, 34(3), 275-284.
Praswati, A. N. (2014). Analisis faktor-faktor yang mempengaruhi minat wirausaha di kalangan mahasiswa studi kasus: fakultas ekonomi dan bisnis universitas muhammadiyah Surakarta.
Pratiwi, R., & Amri, F. (2022). PENGARUH SIKAP FINANSIAL DAN PERILAKU FINANSIAL TERHADAP TARAF LITERASI FINANSIAL MAHASISWA. Edunomic: Jurnal Ilmiah Pendidikan Ekonomi Fakultas Pendidikan dan Sains, 10(2), 203-212.
Putri, A. R., & Asrori, A. (2018). Determinan Literasi Finansial Dengan Gender Sebagai Variabel Moderasi. Economic Education Analysis Journal, 7(3), 894-908.
Rapih, S. (2016). Pendidikan Literasi Keuangan Pada Anak: Mengapa dan Bagaimana? Scholaria: Jurnal Pendidikan dan Kebudayaan, 6(2), 14-28.
Rumbianingrum, W., & Wijayangka, C. (2018). Pengaruh literasi keuangan terhadap pengelolaan keuangan UMKM. Almana: Jurnal Manajemen dan Bisnis, 2(3), 156-164.
Struckell, E. M., Patel, P. C., Ojha, D., & Oghazi, P. (2022). Financial literacy and self employment–The moderating effect of gender and race. Journal of Business Research, 139, 639-653.
Tekin, B., & Asar, M. (2021). Role of Entrepreneurial Self-Efficacy and Risk-Taking Tendencies in the Relationship Between Financial Literacy and Entrepreneurial Intention. Social Entrepreneurship Review, 1.
Tuati, N. F. (2020). Dampak Literasi Keuangan terhadap Kelebihan Berhutang di Kalangan Pekerja Tetap di Kota Kupang. Bisman-Jurnal Bisnis & Manajemen, 5(02), 61-66.
Wang, J.-H., Chang, C.-C., Yao, S.-N., & Liang, C. (2016). The contribution of self-efficacy to the relationship between personality traits and entrepreneurial intention. Higher Education, 72(2), 209-224.
Wicaksono, E. D. (2015). Pengaruh Financial Literacy Terhadap Perilaku Pembayaran Kartu Kredit Pada Karyawan di Surabaya. Finesta, 3(1), 85-90.
Widyawati, I. (2012). Faktor-faktor yang mempengaruhi literasi finansial mahasiswa fakultas ekonomi dan bisnis Universitas Brawijaya. Assets: Jurnal Akuntansi dan Pendidikan, 1(1), 89-99.
Yushita, A. N. (2017). Pentingnya literasi keuangan bagi pengelolaan keuangan pribadi. Nominal: Barometer Riset Akuntansi dan Manajemen, 6(1), 11-26.