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The Influence of Family Finance Socialization and Financial Technology Literacy on Financial Behavior

Economic Education Analysis Journal · Vol. 12 No. 2 (2023) · pp. 73–82

DOI
10.15294/eeaj.v12i2.70269
ISSN
2502-356X, 2252-6544
Published
2023-06-30
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

This study aims to determine the effect of financial socialization and financial technology literacy on financial behavior moderated by financial education in students of the Faculty of Teacher Training and Education UNS. This study used a quantitative research type with a population of Faculty of Teacher Training and Education UNS students. The sample was determined as many as 160 samples were taken using a non-sampling technique. The data collection technique uses a five-point Likert scale of 1-5 points distributed via Google Forms. Test the validity of the instrument using Confirmatory Factor Analysis (CFA) and test the reliability using Cronbach Alpha. The hypothesis is tested through Moderated Regression Analysis (MRA) after performing descriptive statistical tests and analysis prerequisite tests. All data was processed using SPSS 25 software. The results of the study proved that there was a significant and positive socialization of family finance and financial technology literacy on the financial behavior of Faculty of Teacher Training and Education UNS students and that financial education could not moderate the socialization of family finance and financial technology literacy on the financial behavior of Faculty of Teacher Training and Education UNS students.

Collaboration network of the authors

25 authors · 49 co-authorship links

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universitas Halu Oleo
  • State University of Semarang
  • Institut Teknologi Sepuluh Nopember
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
SudarnoAffiliation unknown2
Dini OctoriaAffiliation unknown2
Asriyana AsriyanaUniversitas Halu Oleo1
Hasnia AramiUniversitas Halu Oleo1
Wijanarka WijanarkaAffiliation unknown1
Novi A. PratamaAffiliation unknown1
Sukadi SukadiAffiliation unknown1
Setiyo Daru CahyonoAffiliation unknown1
Tomi TristonoAffiliation unknown1
Seno AjiAffiliation unknown1
Joko TrionoAffiliation unknown1
Mochamad SidqonAffiliation unknown1
Titis Rena Siwi PambudiAffiliation unknown1
Dhani AliffansyahAffiliation unknown1
Fadilah Mutia LatifahAffiliation unknown1
Indah Warih YantiAffiliation unknown1
Yahya Nur IfrizaState University of Semarang1
Hasna Nur FaramidaAffiliation unknown1
Lukman HakimInstitut Teknologi Sepuluh Nopember1
Saringatun MudrikahAffiliation unknown1
Mintasih IndriayuAffiliation unknown1
Andika Yudha TiyasaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/eeaj/oai, first harvested 5 Nov 2026, last seen 5 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">The Influence of Family Finance Socialization and Financial Technology Literacy on Financial Behavior</dc:title>
	<dc:creator>Ramadhona, Nugraheni</dc:creator>
	<dc:creator>Sudarno, Sudarno</dc:creator>
	<dc:creator>Sabandi, Muhammad</dc:creator>
	<dc:description xml:lang="en-US">This study aims to determine the effect of financial socialization and financial technology literacy on financial behavior moderated by financial education in students of the Faculty of Teacher Training and Education UNS. This study used a quantitative research type with a population of Faculty of Teacher Training and Education UNS students. The sample was determined as many as 160 samples were taken using a non-sampling technique. The data collection technique uses a five-point Likert scale of 1-5 points distributed via Google Forms. Test the validity of the instrument using Confirmatory Factor Analysis (CFA) and test the reliability using Cronbach Alpha. The hypothesis is tested through Moderated Regression Analysis (MRA) after performing descriptive statistical tests and analysis prerequisite tests. All data was processed using SPSS 25 software. The results of the study proved that there was a significant and positive socialization of family finance and financial technology literacy on the financial behavior of Faculty of Teacher Training and Education UNS students and that financial education could not moderate the socialization of family finance and financial technology literacy on the financial behavior of Faculty of Teacher Training and Education UNS students.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2023-06-30</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-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/eeaj/article/view/70269</dc:identifier>
	<dc:identifier>10.15294/eeaj.v12i2.70269</dc:identifier>
	<dc:source xml:lang="en-US">Economic Education Analysis Journal; Vol 12 No 2 (2023): Economic Education Analysis Journal; 73-82</dc:source>
	<dc:source>2502-356X</dc:source>
	<dc:source>2252-6544</dc:source>
	<dc:source>10.15294/eeaj.v12i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/eeaj/article/view/70269/24653</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2023 Economic Education Analysis Journal</dc:rights>
</oai_dc:dc>