Garuda - Garba Rujukan Digital

The Influence of Intellectual Intelligence, Emotional Intelligence, and Lifestyle on Financial Literacy and Financial Management Ability of Students of Panca Budi Development University Dastin Syafitri; Noni Ardian; Cahyo Pramono
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 1 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i1.1783

Financial literacy and financial management skills are important competencies that students must have to face the complexity of digital financial services and economic challenges in the modern era. Lifestyle changes when studying in the city often lead to uncontrolled consumptive behavior, coupled with easy access to various digital financial services such as paylater, e-wallets, and online loans that have the potential to be abused. This study aims to analyze and test the influence of Intellectual Intelligence, Emotional Intelligence, and Lifestyle on Financial Literacy and Financial Management Ability of Panca Budi Development University students. The population in this study is all students of the Financial Management Study Program class of 2022 totaling 71 respondents using saturated sampling techniques. The data analysis method used is Partial Least Square-Structural Equation Modeling (PLS-SEM) to test the causal relationship between variables. The results of the study show that Intellectual Intelligence has a positive and significant effect on Financial Literacy and Financial Management Ability. Emotional Intelligence shows a negative influence on Financial Literacy but has a positive effect on Financial Management Ability. Lifestyle proved to be the strongest predictor that had a positive and significant effect on both dependent variables, with the most dominant influence on Financial Literacy. This research model has good predictive ability in explaining the variation in Financial Literacy and Student Financial Management Ability.

The Influence of Financial Literacy and E-Wallet Usage on the Consumptive Behavior and Financial Behavior of Management Students at Pembangunan Panca Budi University Dessy Natalia Sianipar; Noni Ardian; Aulia
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 1 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i1.1799

This research aims to analyze the influence of financial literacy and e-wallet usage on the consumption behavior and financial behavior of Management students at Panca Budi Development University. The development of digital financial technology encourages the increased use of e-wallets, which has the potential to influence the consumption patterns and financial management of students. This study uses a quantitative approach with a causal associative design. Data were collected thru a Likert scale questionnaire distributed to 71 respondents using a saturated sampling technique. Data analysis was conducted using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with SmartPLS. The research results show that financial literacy has a positive and significant effect on consumptive behavior (t-statistic = 3.208; p= 0.001) and financial behavior (t-statistic 2.680; p = 0.007), while the use of e-wallets also shows a positive effect on consumptive behavior (t-statistic 1.154; p = 0.000) and a significant effect on financial behavior (t-statistic 4.507; p = 0.000). Simultaneously, this model can explain 42.1% of the variance in consumptive behavior and 38.6% of the variance in financial behavior. These test results provide empirical evidence that although digital accessibility facilitates transactions, the depth of financial literacy serves as a crucial regulatory mechanism. The synergy between financial literacy and the use of digital payment technology together becomes a real determinant in converting the use of e-wallets from mere consumption instruments into tools for more rational and measurable financial management in the digital economy era.

The Influence of Financial Literacy, Gender, and Lifestyle on Employee Debt Management of PT Adelia Sejahtera Nusantara Maininda Prasasti; Noni Ardian; Ramadhan Harahap
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 1 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i1.1825

The rapid development of financial technology, particularly online lending (peer-to-peer loans), in Indonesia has significantly improved access to credit; however, it has also given rise to poorly managed debt problems. This study aims to analyze the effects of financial literacy, gender, and lifestyle on the debt management of employees at PT Adelia Sejahtera Nusantara, both partially and simultaneously. This research adopts a quantitative approach with an associative research design. The population of this study consists of all 40 employees of PT Adelia Sejahtera Nusantara, using a saturated sampling technique. The data used are primary data collected through a questionnaire employing a 1–5 Likert scale. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 31, preceded by validity tests, reliability tests, and classical assumption tests. The results indicate that:(1) financial literacy has a positive and significant effect on debt management; (2) gender has no significant effect on debt management; (3) lifestyle has a positive and significant effect on debt management; and (4) simultaneously, the three variables have a significant effect on debt management, with an F-value of 784.786 (p < 0.001) and a predictive power of 78.4% (Adjusted R² = 0.784), leaving only 21.6% explained by other factors.

The Effect of Liquidity Risk, Credit Risk, Operational Risk, Market Risk and Good Corporate Governance on Financial Performance in Conventional Commercial Banks Listed on The Indonesia Stock Exchange Reydeska Natalia A A Gulo; Noni Ardian; Ramadhan Harahap
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 2 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i2.1837

This study aims to analyze the influence of liquidity risk, credit risk, operational risk, market risk, and Good Corporate Governance on the financial performance of conventional commercial banks listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period. This study uses a quantitative method with a panel data regression approach. The research population is all conventional commercial banks listed on the Indonesia Stock Exchange, with a sample of 41 banks that meet the purposive sampling criteria for the 2022-2024 period, resulting in 123 observations. Data analysis was carried out using EViews 12 software. The results of the study show that simultaneously liquidity risk, credit risk, operational risk, market risk, and Good Corporate Governance have a significant effect on the financial performance of conventional commercial banks. Partially, credit risk and operational risk have a negative and significant effect on financial performance, while market risk and Good Corporate Governance have a positive and significant effect on financial performance. Meanwhile, liquidity risk does not have a significant effect on financial performance. The Adjusted R-squared value of 0.607560 indicates that 60.76% of the variation in financial performance (ROA) can be explained by liquidity risk variables, credit risk, operational risk, market risk, and Good Corporate Governance, while the remaining 39.24% is influenced by other variables outside the research model.

The Effect of Financial Literacy, Income, and Lifestyle on Financial Management with Locus of Control as an Intervening Variable in Employees PT Alfa Scorpii Main Dealer Medan Natasya Miranda Puteri; Noni Ardian; Maya Macia Sari
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 2 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i2.1961

This study aims to analyze the influence of Financial Literacy, Income, and Lifestyle on Financial Management with Locus of Control as a mediating variable in employees of PT Alfa Scorpii Main Dealer Medan. This study uses a quantitative method with a causal associative approach. The study population was all contract employees of the operation section totaling 40 people, and used saturated sampling techniques. The data analysis technique used Structural Equation Modeling (SEM) based on Partial Least Square (PLS) with SmartPLS software. The results of the study show that: Lifestyle has a positive and significant effect on the Locus of Control and Financial Management; Financial Literacy has a positive and significant effect on the Locus of Control and Financial Management; Revenue has a positive and significant effect on the Locus of Control and Financial Management; Financial Management has a positive and significant effect on the Locus of Control. The results of the mediation test showed that Financial Management was able to mediate the influence of Lifestyle on the Locus of Control and Income on the Locus of Control, but was unable to mediate the influence of Financial Literacy on the Locus of Control. The R-Square value shows that independent variables are able to explain Locus of Control by 56.4% and Financial Management by 35.5%, with a Q² value of 0.719 which indicates that the model has strong predictive relevance. This study concludes that Financial Literacy, Income, and Lifestyle are important factors that affect employee Financial Management, and Financial Management plays a role as a partial mediator in increasing the Locus of Control of employees of PT Alfa Scorpii Main Dealer Medan. An abstract is often presented separate from the article, so it must be able to stand alone. A well-prepared

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