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All Journal Moneter : Jurnal Ekonomi dan Keuangan Jurnal Riset dan Inovasi Manajemen
Naela Farkhati
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Peran Edukasi Literasi Keuangan dalam Mengatasi Budaya Berhutang dan Gagal Bayar pada Pinjaman Online Naela Farkhati; Syifa Rasyiqa; Rudi Sanjaya
Jurnal Riset dan Inovasi Manajemen Vol. 2 No. 4 (2024): November: Jurnal Riset dan Inovasi Manajemen
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jrim-widyakarya.v2i4.4163

Abstract

The phenomenon of online loans has increased significantly in Indonesia, presenting its own challenges for the community in terms of financial management. One of the impacts of the rise of online loans is the emergence of an unhealthy debt culture, where many people are trapped in a debt pattern that is difficult to control, leading to default. This study aims to examine the role of financial literacy as an important factor in overcoming the culture of excessive debt and reducing the number of defaults on online loans. The method used in this study is a literature review that focuses on data from other relevant document sources and those that use online loan services. The results of the study show that financial literacy education can provide the community with a better understanding of financial risks and responsibilities, as well as encourage wiser behavior in making financial decisions.
Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Pengelolaan Keuangan Mahasiswa Program Studi Manajemen Universitas Pamulang Naela Farkhati; Agus Supriatna
Moneter : Jurnal Ekonomi dan Keuangan Vol. 4 No. 2 (2026): April : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v4i2.2166

Abstract

This study aims to analyze the effect of financial literacy and lifestyle on financial management of students of the Management Study Program at Universitas Pamulang. This research uses a quantitative method with an associative approach, with data collected through questionnaires distributed to 160 respondents. Data analysis was conducted using validity tests, reliability tests, classical assumption tests, simple and multiple linear regression analysis, t-test, F-test, and coefficient of determination (R²). The results show that partially financial literacy has a positive and significant effect on financial management with a t-value of 7,161 > t-table 1.975 and a significance value of 0.000 < 0.05, while lifestyle also has a positive and significant effect with a t-value of 6,881 > t-table 1.975 and a significance value of 0.000 < 0.05. Simultaneously, financial literacy and lifestyle have a significant effect on financial management with an F-value of 853.671 > F-table 3.05 and a significance value of 0.000 < 0.05. The coefficient of determination of 0.916 indicates that 91,6% of the variation in students’ financial management is explained by financial literacy and lifestyle, while the remaining 8,4% is influenced by other factors outside this study.
Co-Authors Agus Supriatna Rudi Sanjaya Syifa Rasyiqa