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The Influence of Financial Literacy and Financial Attitude on Financial Management with Financial Literacy as Mediation: Conceptual Review

In: Proceedings of the 1st International Conference on Business, Economic, and Social Sustainability (ICOBES 2025)

Author

Listed:
  • Muhammad Ali Sa’id

    (Universitas Sarjanawiyata Tamansiswa)

  • Sri Hermuningsih

    (Universitas Sarjanawiyata Tamansiswa)

Abstract

This study aims to explore the conceptual framework of the mediating role of financial literacy in the relationship between financial inclusion, financial attitude, and financial management, using financial management theory, financial inclusion theory, literacy theory, and financial attitude theory. The methodology used is a structured conceptual framework, which synthesizes literature from various relevant previous studies for the development and analysis of conceptual models. The results of the analysis show that although financial inclusion and financial attitude directly influence school financial management, empirical inconsistencies suggest the existence of unidentified mediating variables. It is expected that the mediating variable of financial literacy will fill the gap in previous research. The originality of this study lies in its emphasis on the role of financial literacy as a mediator while school financial management is the dependent variable, which has not been comprehensively explored in the previous context. The practical implication of this study is the importance of more effective school financial management and supporting policy development.

Suggested Citation

  • Muhammad Ali Sa’id & Sri Hermuningsih, 2026. "The Influence of Financial Literacy and Financial Attitude on Financial Management with Financial Literacy as Mediation: Conceptual Review," Advances in Economics, Business and Management Research, in: Syamsul Hadi & Riskin Hidayat & Ambar Lukitaningsih & Ong Lin Dar & Taufik Abd Hakim (ed.), Proceedings of the 1st International Conference on Business, Economic, and Social Sustainability (ICOBES 2025), pages 149-162, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6239-626-5_11
    DOI: 10.2991/978-94-6239-626-5_11
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