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All Journal Jurnal Riset Multidisiplin Edukasi
Achmarul Fajar
Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Madura
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PENGARUH LITERASI KEUANGAN TERHADAP PENGGUNAAN PRODUK PERBANKAN DI KALANGAN MAHASISWA Salman Alfarisi; Zahra Ibna Afifah Yuliarti; Sultan Iskandar Surya Dinata; Moh. Alfian Syahada; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.2139

Abstract

Financial literacy is an individual's ability to understand, manage, and make appropriate financial decisions. A good level of financial literacy is an important factor in encouraging the use of banking products and services, especially among university students who are increasingly involved in various financial activities. This study aims to analyze the influence of financial literacy on the use of banking products among university students based on findings from previous studies. The method used in this research is a literature review, which examines various scientific journals, research articles, and relevant references related to financial literacy and the use of banking products. The findings indicate that financial literacy has a positive influence on the use of banking products. Students with a higher level of financial literacy tend to have a better understanding of the benefits, risks, and features of banking products, making them more likely to utilize services such as savings accounts, mobile banking, internet banking, deposits, and Islamic banking products. In addition, several supporting factors, including the accessibility of digital banking services, service quality, trust in banking institutions, religiosity, and promotional strategies implemented by banks, also influence students’ decisions to use banking products. Conversely, a low level of financial literacy may limit students’ ability to effectively utilize available banking services. Therefore, improving financial literacy through financial education, socialization programs, and financial learning initiatives is essential to enhance students’ understanding and utilization of banking products.
ANALISIS PERAN BANK INDONESIA DALAM MENJAGA STABILITAS RUPIAH DI TENGAH PENGUATAN DOLAR AS TAHUN 2026 Moh. Yunus Agung Prayoga; Moh Choirul Rizki M HR; Moh Rifqi Syahbani; Irfan Maulana Firdaus; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.2179

Abstract

This study aims to analyze the role of Bank Indonesia in maintaining the stability of the Indonesian Rupiah amid the strengthening of the United States Dollar (USD) in 2026. The appreciation of the USD, driven by the Federal Reserve's interest rate policy, global economic uncertainty, and increased demand for safe-haven assets, has put pressure on the currencies of developing countries, including the Rupiah. This research employs a qualitative descriptive method using a literature review and policy analysis approach. The study utilizes secondary data obtained from publications of Bank Indonesia, Statistics Indonesia (BPS), the Ministry of Finance, the International Monetary Fund (IMF), the World Bank, as well as various scientific journals and economic articles. The findings indicate that the strengthening of the USD contributed to the depreciation of the Rupiah, increased inflationary pressures, and affected trade and investment activities in Indonesia. To maintain Rupiah stability, Bank Indonesia implemented various policies, including foreign exchange market intervention, adjustments to the policy interest rate, optimization of monetary instruments, strengthening foreign exchange reserves, and stabilizing the domestic financial market. These policies were considered relatively effective in reducing exchange rate volatility and maintaining economic confidence. Therefore, strong coordination between Bank Indonesia and the government is essential to strengthen national economic resilience in response to evolving global economic dynamics.
Co-Authors Irfan Maulana Firdaus Moh Choirul Rizki M HR Moh Rifqi Syahbani Moh. Alfian Syahada Moh. Yunus Agung Prayoga Salman Alfarisi Sultan Iskandar Surya Dinata Zahra Ibna Afifah Yuliarti