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

Muhammad Ali Sa’id () and Sri Hermuningsih
Additional contact information
Muhammad Ali Sa’id: Universitas Sarjanawiyata Tamansiswa
Sri Hermuningsih: Universitas Sarjanawiyata Tamansiswa

A chapter in Proceedings of the 1st International Conference on Business, Economic, and Social Sustainability (ICOBES 2025), 2026, pp 149-162 from Springer

Abstract: 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.

Keywords: Financial Inclusion; Financial Attitude; Financial Management; Financial Literacy (search for similar items in EconPapers)
Date: 2026
References: Add references at CitEc
Citations:

There are no downloads for this item, see the EconPapers FAQ for hints about obtaining it.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6239-626-5_11

Ordering information: This item can be ordered from
http://www.springer.com/9789462396265

DOI: 10.2991/978-94-6239-626-5_11

Access Statistics for this chapter

More chapters in Advances in Economics, Business and Management Research from Springer
Bibliographic data for series maintained by Sonal Shukla () and Springer Nature Abstracting and Indexing ().