@article{jme, author = {Siti Zainiyah and Karnadi Karnadi and Lita Sari}, title = { ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PENGELOLAAN KEUANGAN PADA REMAJA SMA DI DESA DUWET SITUBONDO DENGAN INKLUSI KEUANGAN SEBAGAI VARIABEL MEDIASI}, journal = {Jurnal Mahasiswa Entrepreneurship (JME)}, volume = {2}, number = {11}, year = {2023}, keywords = {}, abstract = {The research objective was to determine the Analysis of the Factors Influencing Financial Management in High School Youth in Duwet Situbondo Village with Financial Inclusion as a Mediation Variable. In this study the sampling technique used was Saturated Sample with a total sample of 78. Data analysis and hypothesis testing in this study used the Structural Equation Model - Partial Least Square (PLS-SEM).The results of the direct effect hypothesis test using the Smart PLS 3.0 application, show that financial literacy has a positive and significant effect on financial inclusion, financial attitudes have a positive and significant effect on financial inclusion, financial literacy has a positive and significant effect on financial management, financial attitudes have a negative but significant effect on Financial management, financial inclusion has a positive and significant effect on financial management, financial inclusion has a positive but not significant effect on financial management through financial inclusion, financial attitudes have a positive and significant effect on financial management through financial inclusion.}, issn = {2964-898X}, pages = {2466--2482}, doi = {10.36841/jme.v2i11.3720}, url = {https://unars.ac.id/ojs/index.php/jme/article/view/3720} }