Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste

Authors

  • Leonardo Bele Bau Amaral Universidade Da Paz, Dili, East Timor, Timor Leste.; Master of Management Student at the Program Faculty of Economics and Business, Universitas Hayam Wuruk Perbanas, Surabaya, East Java, Indonesia
  • Rr Iramani Universitas Hayam Wuruk Perbanas, Surabaya, Jawa Timur, Indonesia
  • Tanza Dona Pertiwi Universitas Airlangga, Surabaya, Jawa Timur, Indonesia

DOI:

https://doi.org/10.14414/jbb.v14i1.5024

Keywords:

Financial behavior, Financial literacy, Financial self-efficacy, Financial experience

Abstract

Financial behavior reflects how individuals manage financial resources to meet their needs and achieve life goals. Financial behavior, when supported by financial literacy, experience, and self-efficacy, can enhance living standards. This study aims to explore the influence of financial literacy, financial experience, and the role of financial self-efficacy as an intervening variable. of lecturers at Universidade da Paz. The sample was taken using purposive sampling. Total respondents were 100 lecturers at Universidade da Paz Timor Leste. Research on financial behavior has been conducted in Indonesia and other countries. However, similar research has not touched the society in Timor Leste. Therefore, this research is very important to do in order to enrich empirical findings in behavior finance research. Data was collected using the survey method through questionnaires. Analysis is conducted using SEM-PLS. The results showed that financial literacy and financial experience had no significant direct effect on financial behavior. Financial self-efficacy has a significant positive effect on financial behavior and is proven as a mediator in the relationship between financial experience and financial behavior. The implication is that Universidade da Paz lecturers should improve their financial experience by growing their self-efficacy which in turn makes their financial behavior better.

Author Biographies

  • Leonardo Bele Bau Amaral, Universidade Da Paz, Dili, East Timor, Timor Leste.; Master of Management Student at the Program Faculty of Economics and Business, Universitas Hayam Wuruk Perbanas, Surabaya, East Java, Indonesia

    Leonardo Bele Bau Amaral is a Master of Management student at the Faculty of Economics and Business, Universitas Hayam Wuruk Perbanas, Indonesia. He obtained his Bachelor of Economics degree (2008) from Universidade da Paz (Unpaz), Dili, Timor-Leste. His current research focuses on Financial Management, he has published articles in the Journal of Business Economics, Management, and Entrepreneurship (JBEMK). Author contact details:+670 7832 7888; leonardob2a@gmail.com

  • Rr Iramani, Universitas Hayam Wuruk Perbanas, Surabaya, Jawa Timur, Indonesia

    Rr. Iramani is an Assistant Professor at the Faculty of Economics and Business, Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia. She earned her Bachelor'e degree from Universitas Jember, her Master's degree from Universitas Airlangga, and her Doctorate from Universitas Brawijaya. Her current research primarily focuses on financial management. She has published academic articles in various accredited journals. Author contact details: Faculty of Economics and Business, Universitas Hayam Wuruk Perbanas, Jl. Wonorejo Utara 16, Rungkut, Surabaya, Indonesia; +62 813 3366 0242; iramani@perbanas.ac.id

  • Tanza Dona Pertiwi, Universitas Airlangga, Surabaya, Jawa Timur, Indonesia

    Tanza Dona Pertiwi is a Master's student in Islamic Economics at the Faculty of Economics and Business, Universitas Airlangga, Surabaya, Indonesia. She earned her Bachelor's degree in Sharia Economics (2019) from Universitas Hayam Wuruk Perbanas. Her current research primarily focuses on human resources, islamic banking, islamic financial behavior, and islamic economics. She has published articles in the Journal of Business & Banking, Dinar: Jurnal Ekonomi dan Keuangan Islam, Jurnal Ekonomika dan Bisnis Islam, Istinbath: Jurnal Hukum dan Ekonomi Islam, Jurnal Ilmiah Ekonomi Islam, and Tourism Management. Author contact details: +62 822 4537 0202; tanzadonapertiwi29@gmail.com

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Published

2024-10-31

Issue

Vol. 14 No. 1: May-October 2024

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Articles

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Copyright (c) 2024 Leonardo Bele Bau Amaral, Rr Iramani, Tanza Dona Pertiwi

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This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite

Studi financial literacy, financial self-efficacy, financial behavior dosen Universidade da Paz Timor Leste. (2024). Journal of Business & Banking, 14(1), 113-132. https://doi.org/10.14414/jbb.v14i1.5024

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