Qur’ani, M. Ilham Syahrul (2024) PENGARUH FINANCIAL LITERACY DAN FINANCIAL INCLUSION TERHADAP FINANCIAL BEHAVIOR DENGAN PENDAPATAN SEBAGAI VARIABEL INTERVENING. Undergraduate thesis, UNSPECIFIED.
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Abstract
ABSTRACT This study aims to analyze the influence of financial literacy and financial inclusion on financial behavior, with income as an intervening variable, among fishermen in Panyuran Village, Palang District, Tuban Regency. Financial behavior is a critical aspect of managing financial resources to improve economic well-being. However, small-scale fishermen in Indonesia, including those in Panyuran, often face various challenges in financial management, such as fluctuating income, low financial literacy, and limited access to formal financial services. Financial literacy is defined as an individual's understanding and ability to effectively manage their finances, encompassing basic financial knowledge, budgeting skills, and rational decision-making. Meanwhile, financial inclusion reflects the extent to which individuals have access to formal financial services, including savings, loans, and insurance. Income is used as a mediating variable to analyze the indirect effects of financial literacy and financial inclusion on financial behavior. This research adopts a quantitative approach using questionnaires as the primary data collection instrument. Data analysis was conducted using Partial Least Square-Structural Equation Modeling (PLS-SEM). The results reveal that financial literacy and financial inclusion significantly influence financial behavior. Furthermore, income is proven to mediate the relationship between these independent variables and financial behavior. These findings provide practical implications that improving financial literacy and expanding access to financial services can enhance better financial behavior among fishermen. Therefore, policy interventions that support the enhancement of financial literacy and the provision of easily accessible financial services for coastal communities are essential to promoting their economic well- being. Keywords: Financial Literacy, Financial Inclusion, Financial Behavior, Income, PLS
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Uncontrolled Keywords: | Financial Literacy, Financial Inclusion, Financial Behavior, Income, PLS |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HJ Public Finance Z Bibliography. Library Science. Information Resources > Z004 Books. Writing. Paleography |
| Depositing User: | 1212100222 M. Ilham Syahrul Qur’ani |
| Date Deposited: | 08 Jul 2026 02:05 |
| Last Modified: | 08 Jul 2026 02:05 |
| URI: | http://repository.untag-sby.ac.id/id/eprint/45233 |
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