Exploring Financial Literacy's Impact on Lecturers' Management Behavior in Timor-Leste
Keywords:
Financial Literacy, Financial Experience, Self-Efficacy and Financial Management Behavior, A Systematic Literature ReviewAbstract
This study aims to determine the influence of Financial Literacy, Financial Experience, on Financial Management Behavior with SelfEfficacy as an intervening variable. The method used in this study is a systematic literature review which begins with data collection with the Google Scholar database to find studies related to Financial Literacy, Financial Experience, Self-Efficacy and Financial Management Behavior.
Based on the results of a systematic literature review from 30 national and international journals for the 2019-2024 period, it can be explained that Digital Financial Literacy: Important for optimizing digital financial inclusion. The adoption of digital financial services can reduce economic and social disparities and improve financial well-being. However, there are still obstacles in using this service. Female Investors in India: Tend to be risk-averse and prefer safe investments such as ornamental gold and bank deposits. Their level of awareness regarding the stock market and mutual fund investment is still low.
Financial Literacy Training Program (FLTP): Significant influence in creating a more inclusive and participatory ecosystem, especially for marginalized women. The program improves financial behaviors such as bank ownership, savings, and spending. Determinants of Economic Welfare: Financial behavior, financial literacy, and attitudes towards money have a significant effect on economic well-being.
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