This article proves that intellectual intelligence is able to moderate the effect of financial skills and financial planning on women's financial literacy capacity. The sample in this study consisted of 430 respondents from women in Indonesia. Data analysis using structural equation modeling partial least squares (PLS-SEM). Based on the results of the study, shows that financial skills have a significant effect on women's financial literacy capacity which is moderated by intellectual intelligence and financial planning has a significant effect on women's financial literacy capacity which is moderated by intellectual intelligence. The results of this study recommend that for women if they want to increase their financial literacy capacity, the main strategy that must be applied is to have good financial skills and financial planning and be strengthened by having adequate intellectual intelligence. Improving the financial literacy capacity of women is believed to be able to help increase the percentage of women's financial literacy index in Indonesia and to equalize the gender gap.
Purpose: This study aims to prove that the moderation of intellectual intelligence positively affects individual behavior, the modern living environment, and the financial well-being of women's financial literacy capacity.
Method: The sample in this study consisted of 328 respondents in Indonesia. Data quality testing in this study used Partial Least Square (PLS) analysis, a Structural Equation Modeling (SEM) equation model with a variance-based or component-based structural equation modeling approach.
Result: The study results show that intellectual intelligence cannot moderate the effect of individual behavior on women's financial literacy capacity, but intellectual intelligence can moderate the effect of the modern living environment and financial well-being on women's financial literacy capacity. High intellectual intelligence and utilizing the high intellectual intelligence will increase individual behavior, affecting women's financial literacy capacity. The results of this study recommend that women having good individual behavior and financial well-being in the modern era reinforced by high intellectual intelligence can encourage individuals in Indonesia to increase women's financial literacy capacity.
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