Influence Literacy Finance, Digital Literacy, and Usage Application Mobile Banking to Management Finance Student with Self-Efficacy as Variables Moderation

  • Defita Umaternate Universitas Khairun, Ternate, Indonesia
  • Suriana AR Mahdi Universitas Khairun, Ternate, Indonesia
  • Irfan Zam Zam Universitas Khairun, Ternate, Indonesia
DOI: https://doi.org/10.54783/ijsoc.v8i4.1796
Keywords: Literacy Finance, Digital Literacy, Mobile Banking, Management Finance, Self-Efficacy.

Abstract

Management good finances among​​ student play a role important in form welfare finance them in the future. Research this aim for analyze influence literacy finance, digital literacy, and use mobile banking to management finance students, as well as test role self-efficacy in moderate connection said. Research This use approach quantitative. Population study is all over student Faculty of Economics and Business, Khairun University, Ternate, intake 2022–2025. Sample study taken use technique non-probability sampling with method purposive sampling, whereas amount sample determined through formula Slovin, until Finally obtained sample as many as 97 students. Data collected through questionnaire via Google Form. Data analysis in study This use Structural Equation Modeling-Partial Least Squares (SEM-PLS), with testing​ the hypothesis use technique bootstrapping SmartPLS. Research results show that literacy finance and digital literacy are not influential to management finance, whereas use mobile banking influential in a way positive and significant. In addition that is, self-efficacy capable moderate influence literacy financial (weakening) and use mobile banking (strengthening) against management finance, will but no capable moderate influence digital literacy towards management finance. Research This conclude that use mobile banking among student more give real impact​ to management finance them, and their influence will the more strong if accompanied by with high self - efficacy. Implications from study This show that, besides from use application mobile banking, formation High self-efficacy is also very important for student in manage finance personal in a way effective in the digital age.

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Published
2026-11-01
How to Cite
Umaternate, D., Mahdi, S. A., & Zam Zam, I. (2026). Influence Literacy Finance, Digital Literacy, and Usage Application Mobile Banking to Management Finance Student with Self-Efficacy as Variables Moderation. International Journal of Science and Society, 8(4), 634-653. https://doi.org/10.54783/ijsoc.v8i4.1796
Issue
Vol 8 No 4 (2026): International Journal of Science and Society (IJSOC)
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Articles

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