A Moderation Analysis: How Did Financial Knowledge Influence Financial Management Behavior Madura Entrepreunerwomen Gen Y-Z
DOI:
https://doi.org/10.30737/risk.v6i2.7051Keywords:
Financial Knowledge, Islamic Financial Literacy, Financial Management BehaviorAbstract
MSMEs are a key component supporting national economic growth. This sector has a significant contribution to strengthening the national economy because it is able to reduce unemployment rates by creating new jobs for local communities. MSMEs also contribute significantly to economic growth, including in the Madura region, which shows a rapid increase in the number of MSMEs. However, along with this growth, MSMEs face various challenges, particularly related to financial management behavior. The expertise in manage finances is a crucial aspect in maintaining the persistence of SMEs. With good financial mastery, an entrepreneur can organize and allocate their financial resources effectively and on target. This study aims to analyze the influence of financial knowledge to financial management behavior between generations Y- Z in the Madura region. This study uses a quantitative approach, through questionnaires to gather primary data. literature studies, and interviews. The sample size was determined using the Lemeshow technique. Data analysis in this study was carried through the Structural Equation Modeling (SEM) approach applying Smart PLS software version 4.0.9.9. The study findings indicate that financial literacy exerts a favorable influence on financial management. However, Islamic financial literacy does not show a significant infuluence to financial management
References
Andini, Aprilia, and Dian Surya Sampuna. 2020. “Analisis Pengaruh Kualitas Produk Dan Citra Merek Terhadap Keputusan Pembelian Dengan Word Of Mouth Sebagai Variabel Intervening (Studi Kasus Pada Konsumen Produk Merek Lois Jeans Di SSL).” Sekolah Tinggi Ilmu Ekonomi Indonesia 1–21.
Asaff, Rafiqah, Suryati, and Rika Rahmayani. 2019. “Pengaruh Financial Attitude Dan Financial Knowledge Terhadap Financial Management Behavior (Studi Kasus Pada Mahasiswa Fakultas Ekonomi Konsentrasi Keuangan Universitas Andi Djemma Palopo).” Jemma Jurnal Of Economic, Management And Accounting 2(2):9.
Halim, Abdul. 2020. “Pengaruh Pertumbuhan Usaha Mikro, Kecil Dan Menengah TerhadapPertumbuhan Ekonomi Kabupaten Mamuju.” Growth: Jurnal Ilmiah EkonomiPembangunan 1(2):157–172.
Handayani, Maidiana Astuti, Cici Amalia, and Tri Darma Rosmala Sari. 2022. “Pengaruh Pengetahuan Keuangan, Sikap Keuangan Dan Kepribadian Terhadap Perilaku Manajemen Keuangan (Studi Kasus Pada Pelaku UMKM Batik Di Lampung).” EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis 10(2).
Joseph F. Hair, Jr., William C. Black, Barry J. Babin, and Rolph E. Anderson. 2019. Multivariate Data Analysis. Eighth Edi. Cengage.
Khoirunnisa, Ihda Rohmatin, and Rochmawati. 2021. “Pengaruh Literasi Keuangan, Sikap Keuangan, Dan Pendidikan Keuangan KeluargaTerhadap Manajemen Keuangan Pribadi Dengan Locus Of Control Sebagai VariabelIntervening.” Jurnal Pendidikan Akuntansi (JPAK) 9(2):7. https://ejournal.unesa.ac.id/index.php/jpak/article/view/39809.
Lamichhane, Basu Dev, Amiya Bhaumik, and Achyut Gnawali. 2024. “Empowering Futures: A Financial Literacy Assessment among Graduate Students at Tribhuvan University.” International Journal Bussines Strategy and Social Sciences 7(1). doi:https://doi.org/10.18488/171.v7i1.3725.
Muchlis, Aulia Fikriarini. 2023. “Metode Penelitian Survei-Kuesioner Untuk Kesesakan Dan Privasi Pada Hunian Asrama Questionnaire and Survey for Crowding and Privacy in College Dorms : Research Methods.” Jurnal Lingkungan Binaan Indonesia 12(3):154–63.
Noviyanti, Rinda, and Nurhasanah. 2020. “Faktor Yang Mempengaruhi Kompetensi Nelayan Di Teluk Banten: Menggunakan Partial Least Square-Structural Equation Modelling (PLS-SEM).” Jurnal Teknologo Dan Manajemen Perikanan Laut 10(1):9.
Nurlela, Zulaiha, and Laili Dimyati. 2025. “Pengaruh Literasi Keuangan Dan Sikap Risiko Terhadap Perilaku Pengelolaan Keuangan UMKM Di Kota Pagar Alam.” Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) 5(1). doi:https://doi.org/10.36908/jimpa.v5i1.546.
Nusrang, Muhammad, Muh. Fahmuddin, and Hardianti Hafid. 2023. “Penerapan Metode Structural Equation Modelling-Partial Least Squares (Sem-Pls) Dalam Mengevaluasi Faktor-Faktor Yang Mempengaruhi Pdrb Di Indonesia.” Seminar Nasional Dies Natalis 62(1):543–548. doi:https://doi.org/10.59562/semnasdies.v1i1.1088.
Oktariswan, Dony, and Rina Yuliyanti. 2020. “Peran Kualitas Audit Dalam Memoderasi Pengaruh Kompetensi Auditor Dan Sistem Pengendalian Intern Pemerintah Terhadap Pencegahan Fraud Star.” Prosiding Seminar Nasional Pakar 2(9):8.
Putri, Frienrich Perdana Sinaga Agnes Mariani Simarmata Adinda, and Yeni Rafita Sihombing. 2025. “Analisis Pengaruh Pengetahuan Keuangan, Sikap Keuangan Dan Locus Of Control Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Di Kota Medan.” Management Studies and Entrepreneurship Journal 6(5):244–58. doi:http://journal.yrpipku.com/index.php/msej.
Rofii, Irham, and Dony Burhan Noor Hasan. 2022. “Analisis Keberadaan Ojek Onlineterhadap Operasional Angkutan Umum Di Kota Bangkalan Ditinjau Dari Perspektif Ekονομι Islam (Maslahah Mursalah).” Joumal of Sharia Economic and Business Law 1(4):6. https://journal.trunojoyo.ac.id/kaffa/article/view/16499/7827.https://journal.trunojoyo.ac.id/kaffa/article/view/16499/7827.
Safitri, Eka, Fera Sriyunianti, and Novrina Chandra. 2023. “Pengaruh Literasi Keuangan Dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan UMKM (Studi Kasus Pada Usaha Mikro Bidang Kerajinan Di Kota Padang).” JABEI 2(1):118–28. doi:https://doi.org/10.30630/jabei.v2i1.64.
Sayyida, Sayyida. 2023. “Structural Equation Modeling (Sem) Dengan Smartpls Dalam Menyelesaiakan Permasalahan Di Bidang Ekonomi.” Jurnal Miisy (Management and Bussines Strategi 4(1):6–13. https://doi.org/10.24929/missy.v4i1.2610.
Sugiyono, Sugiyono, and Latipah Retna Sari. 2016. “Pengaruh Npm, Roe, Eps Terhadap Return Saham Pada Perusahaan Farmasi Di BeNo Title.” Jurnal Ilmu Dan Riset Manajemen 5(12):15.
Susetyo, Noval Bahari Ardiansyah Achmad Budi. 2025. “Pengaruh Literasi Keuangan Syariah Terhadap Keputusan Menabung Di Bank Syariah Pada Mahasiswa Gen Z Di UTM.” Al-Iffah: Journal of Islamic Sciences Research 1(3):132. doi:https://doi.org/10.61166/iffah.v1i3.23.
Tatasari, Titis, and Ketut Witara. 2024. “Analisis Kemampuan Kewirausahaan Pengusaha Perempuan Pada Komunitas UMKM Masyarakat Kota Di Indonesia.” Journal of Management and Social Sciences 3(2):01–13. doi:https://doi.org/10.55606/jimas.v3i2.1138.
Waruwu, Marinu, Siti Natijatul Pu`at, Patrisia Rahayu Utami, Elli Yanti, and Marwah Rusydiana. 2025. “Metode Penelitian Kuantitatif: Konsep, Jenis, Tahapan Dan Kelebihan.” Jurnal Ilmiah Profesi Pendidikan 10(1):917–32. doi:10.29303/jipp.v10i1.3057.
Published
Issue
Section
License
Copyright (c) 2025 yusriyatur rohmah, Achmad Budi Susetyo, Dony Burhan Noor Hasan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with RISK : Jurnal Riset Bisnis dan Ekonomi agree to the following terms:
1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
2. Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) before and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
Deprecated: json_decode(): Passing null to parameter #1 ($json) of type string is deprecated in /home/ojs.unik-kediri.ac.id/public_html/plugins/generic/citations/CitationsPlugin.php on line 68
