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Exploring How Digital Financial Literacy Affects Fintech Credit Behavior through Psychological and Digital Financial Access

Jurnal Dinamika Manajemen · Vol. 16 No. 2 (2025) · hlm. 257–276

DOI
10.15294/jdm.v16i2.27245
ISSN
2337-5434
Terbit
2025-09-01
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

This study investigates the influence of digital financial literacy on the credit behavior of Generation Z as fintech users, with digital financial inclusion and internal locus of control as mediating variables. Using a quantitative approach with 150 respondents in Malang, data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings demonstrate that digital financial literacy significantly affects credit behavior both directly and indirectly, with mediation confirming the crucial role of financial inclusion and psychological control. This research provides novelty by integrating digital financial literacy, financial ecosystem access, and psychological factors into a single framework for understanding Gen Z’s credit behavior. Theo retically, it enriches behavioral finance literature, while practically, it emphasizes the need for policymakers and fintech institutions to design targeted programs that strengthen financial decision-making among younger generations.

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39 penulis · 103 tautan kepenulisan bersama · 9 lintas organisasi

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  • IPB University
  • University of Brawijaya
  • Indonesian Agency for Agricultural Research and Development
  • Jenderal Soedirman University
  • Sunan Gunung Djati State Islamic University Bandung
  • Sebelas Maret University
  • Ondokuz Mayıs University
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
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Rekan penulisOrganisasiArtikel bersama
Dewi Apri AstutiIPB University2
Elizabeth WinaIndonesian Agency for Agricultural Research and Development2
T ToharmatIPB University2
A SetiyonoAfiliasi tidak diketahui1
Tiurma PasaribuIndonesian Agency for Agricultural Research and Development1
Nahrowi RamliIPB University1
YatnoAfiliasi tidak diketahui1
A.D. HasjmyAfiliasi tidak diketahui1
RismawatiAfiliasi tidak diketahui1
R. EstianaAfiliasi tidak diketahui1
S. IskandarAfiliasi tidak diketahui1
Ermin WidjajaAfiliasi tidak diketahui1
Muhammad RidlaIPB University1
Didik SantosoAfiliasi tidak diketahui1
Agus SetiyonoIPB University1
Yenni YusrianiAfiliasi tidak diketahui1
Cecep HidayatSunan Gunung Djati State Islamic University Bandung1
Sofjan IskandarAfiliasi tidak diketahui1
Luki AbdullahIPB University1
Rizki PalupiAfiliasi tidak diketahui1
Widya HermanaIPB University1
Arif DarmawanIPB University1
Ismoyowati IsmoyowatiJenderal Soedirman University1
Adi RatriyantoSebelas Maret University1
Diana IndrasantiJenderal Soedirman University1
Rita MutiaIPB University1
Wira Wisnu WardaniAfiliasi tidak diketahui1
Gunawan YusufIPB University1
Ilham AkbarAfiliasi tidak diketahui1
Nasya Desinta PutriAfiliasi tidak diketahui1
Nahrowi .Afiliasi tidak diketahui1
S. SubektiAfiliasi tidak diketahui1
ina setiana setianaIPB University1
A. DarmawanIPB University1
R. NadiaIPB University1
E. OzturkOndokuz Mayıs University1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jdm/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Exploring How Digital Financial Literacy Affects Fintech Credit Behavior through Psychological and Digital Financial Access</dc:title>
	<dc:creator xml:lang="en">Ni Iffah Kesuma</dc:creator>
	<dc:creator xml:lang="en">Sumiati</dc:creator>
	<dc:creator xml:lang="en">Nur Khusniyah Indrawati</dc:creator>
	<dc:subject xml:lang="en">Credit Behavior</dc:subject>
	<dc:subject xml:lang="en">Digital Financial Inclusion</dc:subject>
	<dc:subject xml:lang="en">Digital Financial Literacy</dc:subject>
	<dc:subject xml:lang="en">Fintech Lending</dc:subject>
	<dc:subject xml:lang="en">Internal Locus of Control</dc:subject>
	<dc:description xml:lang="en">This study investigates the influence of digital financial literacy on the credit behavior of Generation Z as fintech users, with digital financial inclusion and internal locus of control as mediating variables. Using a quantitative approach with 150 respondents in Malang, data were collected through an online questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings demonstrate that digital financial literacy significantly affects credit behavior both directly and indirectly, with mediation confirming the crucial role of financial inclusion and psychological control. This research provides novelty by integrating digital financial literacy, financial ecosystem access, and psychological factors into a single framework for understanding Gen Z’s credit behavior. Theo retically, it enriches behavioral finance literature, while practically, it emphasizes the need for policymakers and fintech institutions to design targeted programs that strengthen financial decision-making among younger generations.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-09-01</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jdm/article/view/27245</dc:identifier>
	<dc:identifier>10.15294/jdm.v16i2.27245</dc:identifier>
	<dc:source xml:lang="en">Jurnal Dinamika Manajemen; Vol. 16 No. 2 (2025): September; 257-276</dc:source>
	<dc:source>2337-5434</dc:source>
	<dc:source>10.15294/jdm.v16i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jdm/article/view/27245/6437</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Jurnal Dinamika Manajemen</dc:rights>
</oai_dc:dc>