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Financial management for young entrepreneurs needs to be done because disciplined financial arrangements will be able to minimize the risk of uncertainty. Young entrepreneurs have problems with financial management behavior, that is knowledge and skills in managing finances which have an impact on financial decision-making. This study aims to see the effect of financial knowledge, financial attitudes, and personality on financial management behavior in young entrepreneurs in Malang. The approach used in this research is quantitative with an explanatory approach. This study's population is young entrepreneurs in the Brawijaya University environment. The sampling technique used purposive sampling with a sample size of 150 samples. The results of this study prove that partially financial knowledge has no significant effect on Financial Management Behavior. Financial attitudes have a significant effect on Financial Management Behavior, and personality has a significant effect on Financial Management Behavior in Young Entrepreneurs in Malang City.

Investment intention in millennials and Gen Z in Indonesia grows yearly. However, the cause of the growing enthusiasm for investment among millennials and Gen Z is recently fear of being vulnerable to Fear of Missing Out (FOMO) behaviour alone, not based on financial factors such as financial knowledge, financial well-being and financial attitude. This study aims to determine the role of financial knowledge and financial well-being on investment intention mediated by financial attitude. This research belongs to the type of explanatory research. Respondents in this study are Millennials and Gen Z generations who invest and live in Malang City. Determination of the number of samples in this study using the purposive sampling technique with a total sample of 400 respondents. Methods of collecting data using a questionnaire, then analyzed using PLS-SEM. The study results confirm that financial knowledge positively affects investment intention. Financial well-being does not affect investment intention. Financial attitude has a positive influence on investment intention. Financial knowledge and financial well-being have a positive influence on financial attitude. Financial attitude can partially mediate the relationship between financial knowledge and investment intention. In addition, financial attitude can also mediate the relationship between financial well-being and investment intentions fully. Millennials and Gen Z are expected to improve financial knowledge and attitudes to increase interest in more targeted investments. This advice will also positively impact the Financial Well-being of millennials and Gen Z in the future.

Behavioral finance elucidates how investors rationally commit errors in the process of making investment decisions as a result of cognitive and emotional biases, ultimately resulting in unfavorable investment choices. People are unable to avoid a variety of behavioral biases that have an impact on investors' investment decision-making processes. The human mind employs shortcuts and emotional filters to interpret information, leading to errors in the decision-making process. The objective of this study is to investigate and assess the impact of behavioral biases such as disposition effects, herding, and overconfidence on investment decision-making. Additionally, we will examine how financial literacy moderates these biases. The research employed a purposive sample strategy to select generation Z investors in Kediri City. The sample size of 400 respondents was determined using the Krejcie & Morgan table. This research employs the Partial Least Squares (PLS) Structural Equation Model (SEM) analysis method using the SmartPLS version 3 data processing application. The research findings indicate that the disposition effect and overconfidence exert a substantial impact on investment decision-making; however, herding does not exhibit a significant influence on investment choice-making. Financial knowledge enhances the impact of the disposition effect on investment decision-making in a positive way. Financial literacy has a negative moderating effect on the influence of herding and overconfidence on investment decision-making among Generation Z investors in Kediri City.

The rise in the cryptocurrency market has led many individuals to start their investment. However, individuals are affected by several factors in their decision-making process to invest. The objective of this study is to examine the factors that can predict the decision to invest in the cryptocurrency market, by utilizing the variables of overconfidence, financial literacy, and attitude. This study also explores the role of attitude in mediating the influence of overconfidence and financial literacy on investor decisions. The population of this study is individual student investors in three top universities in Indonesia. This study uses a non-probability sampling technique, with purposive sampling that includes several criteria to determine the number of samples. The data is collected by distributing questionnaires to the students using Google Forms. The total number of respondents in this study, who returned the questionnaire that has been filled is 297 students. The data obtained from respondents is analyzed using Structural Equation Modeling with Partial Least Square (SEM-PLS). Finally, the results of this study have proved that: (1) Overconfidence has a positive influence on attitude; (2) Financial literacy has a positive influence on attitude; (3) Overconfidence has a positive influence on investor decision; (4) Financial literacy has a positive influence on investor decision; (5) Attitude has a positive influence on investor decision; (6) Attitude mediates the influence of overconfidence on investor decision; and (7) Attitude mediates the influence of overconfidence on investor decision. The implications for scholars and crypto investors are also provided in this study.

This research aims to know the effect of financial knowledge on firm performance; the role of financial behavior and access to finance as mediation and the role of financial risk attitude as moderation. The object of this research is the owner of small-medium enterprises, sector food and beverage in Malang. Data collection was carried out using a questionnaire of 150 respondents. Data analysis of this research uses partial least square (PLS). The finding indicates that financial knowledge has a positive and significant effect on firm performance; financial behavior mediates the relationship of financial knowledge dan firm performance; while access to finance doesn’t mediate the relationship of financial knowledge with firm performance. This research also found that financial risk attitude weakens the relationship of financial knowledge with financial behavior.

This study aims to examine and analyze the effect of income on financial well-being, with financial literacy serving as a mediating variable. A quantitative research approach was employed, with the object of study being the community of Poncokusumo Tourism Village. The sample size was determined using a saturated sampling technique, involving 154 respondents from the village community. Data were collected through questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that: (i) income has a significant effect on financial well-being, (ii) financial literacy significantly influences financial well-being, (iii) income positively affects financial literacy, and (iv) financial literacy mediates the relationship between income and financial well-being. Income plays a crucial role as it significantly enhances individuals' quality of life by enabling them to meet daily needs, improve living standards, and plan for future financial security. Furthermore, stable income contributes to greater economic resilience among families and fosters community development. Respondents reported a general satisfaction with their monthly income, which in turn facilitates better financial management and supports the achievement of both short-term and long-term financial goals. This study contributes to the literature by suggesting that village government institutions, non-governmental organizations, and other stakeholders should take initiatives to provide financial literacy training. Future research is encouraged to incorporate additional variables to deepen the understanding of factors influencing financial well-being.

The study aims to examine and analyze the role of financial socialization, financial attitude, and locus of control on financial behavior with financial literacy as a mediating variable. This study uses quantitative data. The object of this research is generation z in Malang city. The sample size in this study was determined using a purposive sampling technique with a total sample of 240 generation z in Malang city. The data collection method uses a questionnaire, data is analyzed using PLS-SEM. The research results show (i) financial socialization not influences financial behavior, (ii) financial attitude influences financial behavior, (iii) locus of control influences financial behavior, (iv) financial socialization, financial attitude and locus of control influences financial literacy, and finally (v) financial literacy mediates between financial socialization, financial attitude, locus of control and financial behavior. The importance of financial behavior cannot be ignored, as it plays a crucial role in achieving individual well-being and overall economic stability. Good financial behavior helps individuals manage their spending, savings, and investments wisely, so that they can achieve their short-term and long-term financial goals. This research makes a theoretical contribution by supporting the theory of Planned Behavior and for educational institutions, non-governmental organizations and other related parties can take the initiative to provide training related to financial literacy. It is hoped that future research can add new variables to influence financial behavior.

This research aims to determine and analyze the influence of financial literacy and lifestyle on financial behavior. This type of research is explanatory research using a quantitative approach method. The sampling technique uses probability sampling with the proportionate stratified random sampling method with a sample size of 395 people. The data analysis technique used in this research is multiple linear regression analysis using SPSS tools. The results of this research show that financial literacy has a positive and significant effect on the financial behavior of generation Z. Lifestyle has a negative and significant effect on the financial behavior of generation Z. Financial literacy and lifestyle simultaneously have a positive and significant effect on the financial behavior of generation Z in Sawahan District, Surabaya City. The results of this study suggest that generation Z must have qualified financial literacy and have a healthy lifestyle in order to form good financial management so that generation Z has an awareness of the importance of doing good financial planning as early as possible to achieve financial well-being.

The implementation of Financial Accounting Standards for Micro, Small, and Medium Enterprises is very important as a basis for presenting reliable financial statements to gain public trust because the financial statements are written based on applicable accounting standards. The research population consisted of MSME players in Indonesia. The sample in this study was selected using purposive sampling technique. The research hypothesis was tested using SmartPLS 3.0 software with the Structural Equation Modeling Partial Least Squares (SEM-PLS) method. The results of the research showed that the use of information technology (IT), level of education, socialization of financial accounting standards for Micro, Small, and Medium Entity (SAK EMKM) and business age had no effect on the implementation of SAM EMKM, while accounting knowledge, the level of readiness of market participants, and taxpayer compliance were proven to have a positive effect on the implementation of SAK EMKM.

That are many factors that can influence country's economic growth. Given its important contribution to Gross Domestic Product (GDP) and job creation, it is necessary to further study what factors can affect the existence and the performance of SMEs. This study aims to analyze the effect of financial literacy and the use of financial technology on the performance of SMEs mediated by financial inclusion. The data was collected using purposive sampling technique by distributing questionnaire. The sample of this study consists of 150 culinary SME actors in Malang City that have used QRIS (Quick Response Code Indonesia Standards) application as one of the payment methods. Collected data was analyzed using PLS software. The results showed that there is a significant influence between financial literacy and the use of financial technology on business performance. Financial inclusion can significantly mediate the effect of financial literacy and the use of financial technology on business performance.