Analysis of The Relationship Between Financial Literacy and Financial Capability with Green Financial Practices as A Mediating Variable in Manufacturing Sector MSMEs in South Sulawesi Province

DOI

10.2991/978-94-6463-758-8_125How to use a DOI?

Keywords

Digital Wallets; Financial Literacy; Student Behavior; Financial Technology; MSMEs

Abstract

This study examines the simultaneous impact of digital wallet usage and financial literacy on the financial management behavior of students in the Management Study Program at the Faculty of Economics and Business, Maros Muslim University. Using a quantitative approach, data were collected from 150 students through questionnaires assessing financial literacy, digital wallet usage, and financial management. The results from the F-test revealed that both digital wallets and financial literacy significantly influence students’ financial management, with a significance value of 0.001 and an F-count of 7.070, exceeding the critical value of 2.71. The findings suggest that while digital wallets provide convenience in managing transactions, they may also promote consumptive behaviors if not used responsibly. Financial literacy acts as a crucial factor in ensuring that students can make informed financial decisions, plan budgets, manage debts, and control impulsive spending. Students with higher financial literacy are better equipped to handle financial challenges and use digital tools like digital wallets to enhance their financial management. The study aligns with previous research by emphasizing the importance of integrating financial literacy education with the use of digital financial tools to ensure improved financial outcomes. Furthermore, the study highlights the need for educational programs that promote both financial literacy and responsible digital wallet use to foster better financial habits among students.

Copyright

© 2025 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Andi Amri
AU  - Muhammad Yunus Amar
AU  - Mursalim Nohong
AU  - Narto Irawan Otoluwa
PY  - 2025
DA  - 2025/07/30
TI  - Analysis of The Relationship Between Financial Literacy and Financial Capability with Green Financial Practices as A Mediating Variable in Manufacturing Sector MSMEs in South Sulawesi Province
BT  - Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024)
PB  - Atlantis Press
SP  - 1572
EP  - 1587
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-758-8_125
DO  - 10.2991/978-94-6463-758-8_125
ID  - Amri2025
ER  -