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All Journal JURNAL ADMINISTRASI BISNIS Business UHO: Jurnal Administrasi Bisnis International Journal of Artificial Intelligence Research JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) SEIKO : Journal of Management & Business YUME : Journal of Management JURNAL MANAJEMEN BISNIS Jurnal Ecoment Global: Kajian Bisnis dan Manajemen ATESTASI : Jurnal Ilmiah Akuntansi Jurnal Ilmiah Teknik Industri Al Kalam : Jurnal Komunikasi, Bisnis dan Manajemen JURNAL ECONOMIC RESOURCE Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik Jurnal Akuntansi Jurnal Manajemen Enrichment : Journal of Management Jurnal Ecogen Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Golden Ratio of Human Resource Management JWM (JURNAL WAWASAN MANAJEMEN) Sejahtera: Jurnal Inspirasi Mengabdi Untuk Negeri Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Nusantara Berbakti Jurnal Manajemen, Bisnis dan Organisasi (JUMBO) Jurnal Administrasi Bisnis Advances in Human Resource Management Research
Edy Jumady
Sekolah Tinggi Ilmu Ekonomi Makassar Bongaya
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mechanical Engineering Social Sciences Transportation

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The Effect of Financial Planning on Consumer Debt Management: The Role of Financial Literacy, Self-Efficacy, and Financial Motivation Edy Jumady; Syamsul Alam; Hasbiyadi Hasbiyadi; Yana Fajriah; Yaisa Anggraini
Atestasi : Jurnal Ilmiah Akuntansi Vol. 7 No. 1 (2024): March
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/atestasi.v7i1.793

Abstract

This qualitative study investigates the complex interplay between financial literacy, financial behavior, self-control, debt management, and financial well-being. Utilizing in-depth interviews with a purposively selected group of individuals engaged in financial planning to manage personal or household debt, the research aims to explore how financial literacy, self-efficacy, and financial motivation mediate the relationship between financial planning and consumer debt management. The methodology encompasses a thematic analysis of participants' narratives to identify and interpret the underlying themes related to financial management practices. Findings reveal a multifaceted relationship where financial literacy emerges as a foundational element, enhancing participants' ability to manage debt effectively. High financial self-efficacy, influenced by literacy, motivates proactive financial behaviors, leading to improved financial well-being. Conversely, low self-control and procrastination were identified as significant barriers to effective debt management. The study also highlights the pivotal role of quantitative literacy and material values in shaping financial behavior, with strong quantitative skills and lower materialism associated with forward-looking financial decisions. These insights underscore the need for comprehensive financial education that addresses not only the cognitive aspects of financial decision-making but also the psychological factors influencing financial behaviors. Tailoring financial education to individual needs and contexts is critical for enhancing financial literacy, self-efficacy, and motivation, ultimately leading to better debt management and financial health.
Co-Authors A. Dahrul Abdul Mansyur Abdul Rajab Ahmad Anto Ampauleng Ampauleng Andi Siti Raodahtul Jannah Andi Sulfati Anita Idris Ardiansyah Halim Ardiansyah Halim Ardiansyah Halim B. Bungatang Dewi Manja Dharmawati Djaharuddin Djamila Saleh Erniwaty Madya Fajriah, Yana Hasbiyadi Hasbiyadi Hasbiyadi, Hasbiyadi Hasyim Mucktar Hijriah, Nurul Idris, M Ma’ruf Ilmah Heri Utari Kusdiningsih M. Torano L. Lilla Marwah Yusuf Marwan Marwan Muhammad Faisal Arief Muhammad Irwan Nur Hamiddin Muhammad Tafsir Muhammad Wahyuddin Hardi Muin, Irwan Muklis Kanto N. Nurlina Nurlina Nurlina Nurul Qaisah Amaliah Rosmayani Ruslan Ahmad Sahidah Sahidah Salma Abdullah Sigit Sugiarto Syamsul Alam Syamsul Alam Syamsul Alam, Syamsul Syamsul Ridjal Tangngisalu, Jannati Yaisa Anggraini Yana Fajriah Zulkarnin Basir