Entrepreneurial personality as a moderator in the relationship between financial attitudes and financial knowledge on financial management behavior

Rosiana Rosiana and Mohamad Nur Utomo and Ang, Hong Loong and Julian Paul Sidin and Mohamad Nur Utomo and Stephen Laison Sondoh Jr. and Shaierah Gulabdin (2025) Entrepreneurial personality as a moderator in the relationship between financial attitudes and financial knowledge on financial management behavior. Jurnal Ekonomi & Bisnis, 3. pp. 66-82. ISSN 2985-9859

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Abstract

Purpose: This study examines the moderating role of entrepreneurial personality in the relationship between financial attitude, financial knowledge, and financial management behavior among MSME actors in Tarakan City. Research Design and Methodology: Data were collected from 130 MSME respondents using a quantitative approach with purposive sampling. The analysis employed Structural Equation Modeling (SEM) with WarpPLS version 8.0 software to assess direct and moderating effects. This analysis includes outer and inner model evaluations to test the reliability, validity, and significance of the relationships between variables and the moderating effects of entrepreneurial personality. Findings and Discussion: The findings reveal that financial attitudes and knowledge significantly and positively impact financial management behavior. However, entrepreneurial personality does not significantly moderate the relationship between financial attitude and financial management behavior. On the other hand, it substantially moderates the relationship between financial knowledge and financial management behavior in a negative direction. This suggests that individuals with strong entrepreneurial traits tend to rely more on intuition and experience, weakening the influence of financial knowledge on their financial behavior. Implications: The study implies that improving financial behavior among MSMEs should focus on enhancing knowledge and attitude and aligning entrepreneurial traits with sound financial practices through integrated training and mentoring programs.

Item Type:	Article
Keyword:	Financial attitude, Financial knowledge, Entrepreneurial personality, Financial management behavior
Subjects:	H Social Sciences > HD Industries. Land use. Labor > HD28-9999 Industries. Land use. Labor > HD2321-4730.9 Industry > HD2340.8-2346.5 Small and medium-sized businesses, artisans, handicrafts, trades H Social Sciences > HG Finance > HG1-9999 Finance > HG4001-4285 Finance management. Business finance. Corporation finance
Department:	FACULTY > Faculty of Business, Economics and Accounting
Depositing User:	SITI AZIZAH BINTI IDRIS -
Date Deposited:	03 Jul 2025 10:26
Last Modified:	03 Jul 2025 10:26
URI:	https://eprints.ums.edu.my/id/eprint/44280

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