THE EFFECT OF FINANCIAL LITERACY, FINTECH PAYMENTS, AND FINANCIAL SELF-EFFICACY ON THE FINANCIAL MANAGEMENT OF FEMALE CIVIL SERVANTS (PNS) IN PONTIANAK CITY, WITH SELF-CONTROL AS A MODERATING VARIABLE

Abstract

Purpose: This study examines the effects of financial literacy, fintech payments, and financial self-efficacy on the financial management of female civil servants (PNS) in Pontianak City, with self-control as a moderating variable.

Design/methodology/approach: This study employed a quantitative associative approach involving 150 female civil servants in Pontianak City who were selected through purposive sampling. The instruments were tested for validity and reliability, followed by classical assumption tests (normality, linearity, multicollinearity). The data were analyzed using Moderated Regression Analysis (MRA) with two equations, supplemented by tests of correlation coefficients, coefficients of determination, F-tests, and t-tests.

Findings: Financial literacy has a positive and significant effect on financial management, while fintech payments and financial self-efficacy do not have a significant effect when considered individually. Collectively, these three variables influence the financial management of female civil servants in Pontianak City. Self-control was found to moderate the effects of financial literacy and fintech payments on financial management but does not moderate the effect of financial self-efficacy.

Practical implications: Improving financial literacy is the most relevant intervention for female civil servants, while strengthening self-control can serve as a supporting strategy to ensure that financial knowledge and easy access to fintech payments truly impact daily financial management behavior.

Originality/value: This study provides evidence that the moderating role of self-control is selective—significant in the financial literacy and fintech payment pathways, but not in financial self-efficacy—a finding that enriches our understanding of how self-control interacts differently with each psychological and behavioral antecedent in the financial management of female civil servants.

Paper type: empirical