The Moderating Influence of Financial Literacy on the Relationship of Financial Attitudes, Financial Self-Efficacy, and Credit Decision-Making Intensity

Laurentius Dominicus Gadi Djou · Fitri Lukiastuti

14 citations0/0 files storedJurnal Akuntansi dan Keuangan

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Financial Literacy and Behavior Financial Literacy, Pension, Retirement Analysis Microfinance and Financial Inclusion

Abstract

This study aims to determine the role of financial literacy moderation on the relationship between financial attitudes and financial self-efficacy on the intensity of decision-making of the SMEs that are also the customers of KUR BNI in Ende Regency amidst the COVID-19 pandemic situation. The objects of this research are all owners of large and retail trade SMEs, car and motorcycle repairs in Ende Regency (58 SMEs). The data analysis techniques used in this research is the Moderated Regression Analysis (MRA). The results are: (1) financial attitudes has positive influence on the credit decision-making intensity on SMEs, (2) financial self-efficacy has positive influence on the credit decision-making intensity of SMEs, (3) there is a moderation impact of financial literacy on the relationship between financial attitudes and credit decision making intensity for SMEs, and (4) financial literacy is able to moderate the relationship between self-efficacy and credit decision making intensity for SMEs.

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References

1982Self-efficacy mechanism in human agency.2001Social Cognitive Theory: An Agentic Perspective 2008Metode Penelitian Pendidikan 2011The theory of planned behaviour: Reactions and reflections 1977Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research.1999Social Cognitive Theory: An Agentic Perspective 2014The Influence of Attitudes on Behavior 2012Entrepreneurial orientation, firm strategy and small firm performance

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