Financial Management Behavior in the Digital Era: The Role of Financial Literacy, Financial Technology, and Financial Attitude with Financial Self-Efficacy Moderation (Empirical Study on MSMEs in Pasirian District)
DOI:
https://doi.org/10.30741/assets.v10i2.1974Keywords:
Financial Management Behavior, Financial Literacy, Financial Technology, Financial Attitude, Financial Self-EfficacyAbstract
This study aims to develop an integrative model of financial management behavior based on cognitive, technological, and psychological factors, incorporating financial self-efficacy as a moderating variable in MSMEs in semi-rural areas. The study used a quantitative approach with explanatory design and Partial Least Squares–Structural Equation Modeling (PLS-SEM) analysis of 83 MSME actors in Pasirian District. The results of the study show that financial literacy and financial technology do not have a significant effect on financial management behavior, whereas financial attitude does. Financial self-efficacy has been shown to strengthen the relationship between financial literacy and financial management behavior, but it does not moderate the relationship between financial technology and financial attitude. These findings show the phenomenon of the knowledge behavior gap and utilization gap in MSMEs. The study concluded that the financial management behavior of MSMEs is more influenced by psychological factors than cognitive and technological factors.
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