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This is a Quantitative study (also classified as: Explanatory Design).

September 10, 2025Journal of Social Interactions and Humanities

The Influence of Financial Literacy, Financial Attitude, Financial Inclusion on Financial Behavior through Financial Technology as Intervening Variables on MSME Debtors of Bank Jatim in Tuban

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Financial attitude and financial inclusion significantly influence financial behavior among MSME debtors.
Financial technology shows a positive but insignificant mediating effect on the relationship between financial literacy and financial behavior.
The study observed patterns in financial behavior, financial attitude, and financial inclusion through a quantitative approach.
Primary data were collected from 90 MSME debtors using questionnaires and analyzed with Smart-PLS 3.2.

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Implication

Quantitative analysis reveals significant impacts of financial attitude and inclusion on financial behavior, highlighting the role of financial technology.

Cite This Study

Dwiprasetyo et al. (2025) studied this question.

synapsesocial.com/papers/68c1ac0954b1d3bfb60e4bf0 https://doi.org/10.55927/jsih.v4i2.294

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Implication

Quantitative analysis reveals significant impacts of financial attitude and inclusion on financial behavior, highlighting the role of financial technology.

The Influence of Financial Literacy, Financial Attitude, Financial Inclusion on Financial Behavior through Financial Technology as Intervening Variables on MSME Debtors of Bank Jatim in Tuban

Key Points

Discussion

Implication

Cite This Study

The Influence of Financial Literacy, Financial Attitude, Financial Inclusion on Financial Behavior through Financial Technology as Intervening Variables on MSME Debtors of Bank Jatim in Tuban

Key Points

Discussion

Implication

Cite This Study

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