<didl:DIDL xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:didl="urn:mpeg:mpeg21:2002:02-DIDL-NS" xmlns:dii="urn:mpeg:mpeg21:2002:01-DII-NS" xmlns:dip="urn:mpeg:mpeg21:2002:01-DIP-NS" xmlns:dcterms="http://purl.org/dc/terms/" DIDLDocumentId="https://eprints.unmer.ac.id/id/eprint/3402" xsi:schemaLocation="urn:mpeg:mpeg21:2002:02-DIDL-NS http://standards.iso.org/ittf/PubliclyAvailableStandards/MPEG-21_schema_files/did/didl.xsd urn:mpeg:mpeg21:2002:01-DII-NS http://standards.iso.org/ittf/PubliclyAvailableStandards/MPEG-21_schema_files/dii/dii.xsd urn:mpeg:mpeg21:2005:01-DIP-NS http://standards.iso.org/ittf/PubliclyAvailableStandards/MPEG-21_schema_files/dip/dip.xsd">
  <didl:Item>
    <didl:Descriptor>
      <didl:Statement mimeType="application/xml">
        <dii:Identifier>https://eprints.unmer.ac.id/id/eprint/3402</dii:Identifier>
      </didl:Statement>
    </didl:Descriptor>
    <didl:Descriptor>
      <didl:Statement mimeType="application/xml">
        <dcterms:modified>2023-06-14T13:16:07Z</dcterms:modified>
      </didl:Statement>
    </didl:Descriptor>
    <didl:Component>
      <didl:Resource mimeType="application/xml" ref="http://eprints.unmer.ac.id/cgi/export/eprint/3402/DIDL/pub-eprint-3402.xml"/>
    </didl:Component>
    <didl:Item>
      <didl:Descriptor>
        <didl:Statement mimeType="application/xml">
          <dip:ObjectType>info:eu-repo/semantics/descriptiveMetadata</dip:ObjectType>
        </didl:Statement>
      </didl:Descriptor>
      <didl:Component>
        <didl:Resource mimeType="application/xml">
          <oai_dc:dc xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:dc="http://purl.org/dc/elements/1.1/" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/ http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
        <dc:relation>https://eprints.unmer.ac.id/id/eprint/3402/</dc:relation>
        <dc:title>The Effect of Personality Traits on Financial Behavior and the Use of E-Wallet as Intervening Variable</dc:title>
        <dc:creator>Wicaksono, Seprido</dc:creator>
        <dc:creator>Subiyantoro, Edi</dc:creator>
        <dc:creator>Zuhroh, Diana</dc:creator>
        <dc:creator>Werdiningsih, Sri</dc:creator>
        <dc:creator>Sarasmitha, Citra</dc:creator>
        <dc:subject>HG Finance</dc:subject>
        <dc:description>This study aims to examine the effect of personality on financial behavior through the use of an e-wallet. The dependent variable of the study is financial behavior, the independent variable is personality, and the intervening variable is the use of e-wallets. Sampling using convenience sampling method, the respondents used were 78. They were e-wallet users in Malang City and have worked for more than one year in the same job. The data collection technique used a questionnaire with a Likert scale, ranging from 1 = strongly disagree to 5 = strongly agree. Data analysis using Structural Equation Model (SEM). The results showed that personality did not affect the use of e-wallets. While personality affects financial behavior and the use of e-wallets harms financial behavior. Personality has no effect on financial behavior through the use of an e-wallet. Thus, this study concludes that e-wallet users understand the function and use e-wallets as a substitute for cash. In addition, personality does have a direct effect on behavior directly, but if it is indirectly seen through the use of an e-wallet, it does not affect financial behavior.</dc:description>
        <dc:date>2022-11</dc:date>
        <dc:type>Conference or Workshop Item</dc:type>
        <dc:type>PeerReviewed</dc:type>
        <dc:format>text</dc:format>
        <dc:language>en</dc:language>
        <dc:identifier>https://eprints.unmer.ac.id/id/eprint/3402/1/The%20Effect%20of%20Personality%20Traits%20on%20Financial%20Behavior%20and%20the%20Use%20of%20e-Wallet%20as...pdf</dc:identifier>
        <dc:identifier>   Wicaksono, Seprido and Subiyantoro, Edi and Zuhroh, Diana and Werdiningsih, Sri and Sarasmitha, Citra  (2022) The Effect of Personality Traits on Financial Behavior and the Use of E-Wallet as Intervening Variable.  In: 7th ICGSS Sustainable Innovation Legal Policy, Alternative Technology and Green Economy, November 4-5, 2022, Universitas Merdeka Malang.     </dc:identifier>
        <dc:relation>https://jurnal.unmer.ac.id/index.php/icgss/article/view/9272</dc:relation></oai_dc:dc>
        </didl:Resource>
      </didl:Component>
    </didl:Item>
    <didl:Item>
      <didl:Descriptor>
        <didl:Statement mimeType="application/xml">
          <dip:ObjectType>info:eu-repo/semantics/objectFile</dip:ObjectType>
        </didl:Statement>
      </didl:Descriptor>
      <didl:Component>
        <didl:Resource mimeType="text" ref="https://eprints.unmer.ac.id/id/eprint/3402/1/The%20Effect%20of%20Personality%20Traits%20on%20Financial%20Behavior%20and%20the%20Use%20of%20e-Wallet%20as...pdf"/>
      </didl:Component>
    </didl:Item>
    <didl:Item>
      <didl:Descriptor>
        <didl:Statement mimeType="application/xml">
          <dip:ObjectType>info:eu-repo/semantics/humanStartPage</dip:ObjectType>
        </didl:Statement>
      </didl:Descriptor>
      <didl:Component>
        <didl:Resource mimeType="application/html" ref="https://eprints.unmer.ac.id/id/eprint/3402/"/>
      </didl:Component>
    </didl:Item>
  </didl:Item>
</didl:DIDL>