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All Journal Ekobis: Jurnal Ilmu Manajemen dan Akuntansi TechComp Innovations: Journal of Computer Science and Technology Societal Serve: Journal of Community Engagement and Services
Varinder Singh Rana
City University Ajman
Humanities Automotive Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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Pengaruh Literasi Keuangan, Gaya Hidup, dan Pengendalian Diri Terhadap Pengelolaan Keuangan Pribadi (Studi Kasus Mahasiswa Universitas Boyolali) Riskillah Azizah Mahanani; Alean Kistiani Heggy Suryana; Nur Asih Triatmaja; Varinder Singh Rana
EKOBIS Vol 13 No 2 (2025): Jurnal Ekobis
Publisher : Universitas Boyolali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36596/ekobis.v13i2.1492

Abstract

ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, gaya hidup, dan pengendalian diri terhadap pengelolaan keuangan pribadi mahasiswa Universitas Boyolali. Penelitian ini menggunakan metode kuantitatif. Data dikumpulkan melalui kuesioner yang disebarkan kepada 92 mahasiswa Universitas Boyolali. Analisis data dilakukan menggunakan software SPSS versi 26. Hasil pengujian secara parsial pada variabel literasi keuangan menunjukkan bahwa nilai p-value (sig) sebesar 0,975>0,05 maka literasi keuangan tidak berpengaruh terhadap pengelolaan keuangan pribadi pada mahasiswa Universitas Boyolali. Gaya hidup juga tidak memiliki pengaruh terhadap pengelolaan keuangan pribadi dimana hasil pengujian nilai p-value (sig) adalah 0,260> 0,05. Namun, pengendalian diri terbukti memiliki pengaruh signifikan terhadap pengelolaan keuangan pribadi mahasiswa ditunjukkan dengan nilai p-value (sig) sebesar 0,001<0,05. Secara simultan, literasi keuangan, gaya hidup, dan pengendalian diri secara bersama-sama memiliki pengaruh signifikan terhadap pengelolaan keuangan pribadi mahasiswa. Penelitian ini menyimpulkan bahwa pengendalian diri merupakan faktor yang paling penting dalam mengelola keuangan pribadi di kalangan mahasiswa. Kata kunci : Literasi Keuangan, Gaya Hidup, Pengendalian Diri, Pengelolaan Keuangan Pribadi. ABSTRACT This study aims to examine the effect of financial literacy, lifestyle, and self-control on the personal financial management of Boyolali University students. This research uses quantitative methods. Data were collected through questionnaires distributed to 92 Boyolali University students. The results of partial testing on the financial literacy variable show that the p-value (sig) of 0.975>0.05, so financial literacy has no effect on personal financial management at Boyolali University students. Lifestyle also has no influence on personal financial management where the test result of the p-value (sig) is 0.260> 0.05. However, self-control is proven to have a significant influence on student personal financial management indicated by a p-value (sig) of 0.001 <0.05. Simultaneously, financial literacy, lifestyle, and self-control together have a significant influence on students' personal financial management. This study concludes that self-control is the most important factor in managing personal finance among college students. Keywords : Financial Literacy, Lifestyle, Self-Control, Personal Financial Management
Machine Learning-Enabled Digital Twin Framework for Predictive Intelligence in Smart Mechanical Systems Juvinal Ximenes Guterres; Bhadrappa Haralayya; Varinder Singh Rana
TechComp Innovations: Journal of Computer Science and Technology Vol. 3 No. 1 (2026): TechComp Innovations: Journal of Computer Science and Technology
Publisher : Pusat Riset dan Inovasi Nasional Mabadi Iqtishad Al Islami

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70063/techcompinnovations.v3i1.182

Abstract

This study investigates the integration of digital twin technology and machine learning for predictive analysis in smart mechanical systems. The research emphasizes the role of intelligent computational frameworks in improving industrial monitoring, predictive maintenance, and operational efficiency within Industry 4.0 environments. A qualitative content analysis approach was employed by reviewing scientific literature, industrial reports, and previous studies related to digital twins, artificial intelligence, and predictive analytics. The findings indicate that digital twin architectures supported by machine learning algorithms can significantly enhance real-time monitoring, fault prediction accuracy, and maintenance optimization. The integration of IoT devices, cloud computing, and intelligent analytics also improves industrial sustainability, reduces operational downtime, and supports data-driven decision-making processes. Furthermore, the study identifies several technological challenges, including cybersecurity risks, data integration complexity, and computational limitations. Overall, the proposed intelligent digital twin framework provides a promising approach for future industrial innovation and sustainable smart mechanical system management
Human Resource Development and Employability Skills Training for Sustainable Community Development Jamaluddin Arief; Varinder Singh Rana; Vüqar Ahmad Mammadli
SocietalServe: Journal of Community Engagement and Services Vol 3 No 1 (2026): Societal Serve: Journal of Community Engagement and Services
Publisher : Pusat Riset dan Inovasi Nasional Mabadi Iqtishad Al Islami

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70063/societalserve.v3i1.165

Abstract

This community engagement program aimed to strengthen community empowerment through human resource development and employability skills training in West Java Indonesia. The program involved youth groups, unemployed individuals, women’s associations, and local community members who experienced limited access to professional training and workforce readiness opportunities. To address these challenges, participatory workshops, leadership training, career mentoring, and collaborative learning activities were implemented over a three-month period involving 65 participants. The findings demonstrated significant improvements in communication skills, teamwork, leadership competencies, career planning awareness, and problem-solving abilities among participants. Qualitative results also revealed increased confidence, stronger motivation for professional development, and greater participation in community and economic activities. Participants showed improved readiness for employment and entrepreneurship opportunities after completing the program. The integration of human resource development and participatory educational approaches proved effective in promoting employability and sustainable community empowerment
Co-Authors Alean Kistiani Heggy Suryana Bhadrappa Haralayya Jamaluddin Arief Juvinal Ximenes Guterres Nur Asih Triatmaja Riskillah Azizah Mahanani Vüqar Ahmad Mammadli