Analyzing the Effectiveness of Government Financial Education Programs in Enhancing Household Financial Decision

Supardi, Musdalifah Putriami and Goso, Goso and Mustafa, Sri Wahyuni Analyzing the Effectiveness of Government Financial Education Programs in Enhancing Household Financial Decision. Analyzing the Effectiveness of Government Financial Education Programs in Enhancing Household Financial Decision, 21 (2). pp. 636-644. ISSN ISSN: 2407-5310 (Submitted)

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Abstract

A B S T R A C T This study examines the effectiveness of government financial education programs in improving household financial decisions in North Luwu Regency. Using a quantitative method with purposive sampling of 100 household heads, data were collected via Likert-scale questionnaires and analyzed with SmartPLS. The results show that financial management, household financial management, and financial literacy significantly influence decisions. Financial literacy also mediates these effects, reinforcing the link between management practices and decision- making. These findings underscore the need for continuous mentoring strategies to strengthen program outcomes, foster responsible financial behavior, and support long-term economic well-being among households in the region.

Item Type:	Article
Contributors:	Contribution Contributors ID/NIDN/NIDK Teacher Goso, Goso NIDN0912067603 Teacher Mustafa, Sri Wahyuny NIDN0929048402
Uncontrolled Keywords:	Keywords: Financial Education, Financial Management, Household Financial Management, Financial Literacy, Household Financial Decisions.
Subjects:	L Education > LA History of education
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	Musdalifah Putriami Supardi
Date Deposited:	10 Dec 2025 05:26
Last Modified:	10 Dec 2025 05:26
URI:	http://repository.umpalopo.ac.id/id/eprint/6160

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