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All Journal Bima Journal : Business, Management and Accounting Journal Journal of Applied Business, Taxation and Economics Reseach
Samsul Bachri
Muhammadiyah University Of Palopo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Effect of Financial Literacy And Financial Behavior On Customers' Gold Investment Interest at PT. Pegadaian Unit Palopo Naifa Saputri; Samsul Bachri; Rahmawati  Rahmawati
BIMA Journal (Business, Management, & Accounting Journal) Vol. 7 No. 1 (2026)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.7.1.727-738

Abstract

Purpose: The low level of financial literacy and public financial behavior is a challenge in increasing investment interest, especially relatively safe investments such as gold. The purpose of this study is to analyze how financial literacy and financial behavior influence the interest in gold investment of customers at PT. Pegadaian Unit Palopo. Methodology: The method used is a quantitative approach with a population of 671 customers and a sample of 87 respondents determined by the Slovin formula. Data collection was carried out by distributing questionnaires, then analyzed using multiple linear regression in SPSS version 16.0. Results: The findings of the study indicate that Financial Literacy and Financial Behavior, both partially and simultaneously, have a positive and significant impact on Customer Gold Investment Interest at PT. Pegadaian Unit Palopo. Findings: The findings confirm that better financial understanding and regular financial behavior patterns enhance investment interest. Novelty & Originality: This study offers novelty by examining gold investment interest in a regional pawnshop context in Palopo, a setting rarely explored in prior research. Conclusions: The implications of this study indicate that increasing financial literacy and good financial behavior can encourage public interest in investing in gold. Type of Paper: This paper is an empirical research paper.
Influence of financial literacy and e-wallets on students' personal financial management in the digital era Risdayanti Risdayanti; Asriany  Asriany; Samsul Bachri
BIMA Journal (Business, Management, & Accounting Journal) Vol. 7 No. 1 (2026)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.7.1.739-748

Abstract

Purpose: The purpose of this study was to examine how financial literacy and e-wallet use among students at Muhammadiyah University of Palopo impact their personal financial management. This research is important because the high use of digital wallets in the digital age can impact students' financial behavior. Methodology: Quantitative and associative methods were used. Data were analyzed using multiple linear regression using SPSS after being collected from 89 participants selected through purposive sampling. Results: The results of the study showed that financial literacy had a positive and significant effect on personal financial management (t = 3.708; sig < 0.05), while e-wallets had no significant partial effect (t = 1.937; sig > 0.05). However, both variables simultaneously had a significant effect (F = 18.977; sig < 0.05) with a coefficient of determination (R²) of 0.306. Findings: The results show that financial knowledge is a major factor in how students manage their money. Novelty & Originality: Testing financial literacy and e-wallet of students in Palopo City is the focus of the latest research. This study is unique because it provides local empirical evidence in South Sulawesi. Conclusions: The result is that students need increased financial knowledge so they can use financial technology wisely. Type of Paper: This paper is an empirical research paper.
The Influence of Sharia Finance Principles and Sharia Financial Literacy on The Financial Performance of MSMEs in Kamanre District Nurfadillah R Nurfadillah R; Jumawan Jasman; Samsul Bachri
Journal of Applied Business, Taxation and Economics Research Vol. 5 No. 5 (2026)
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v5i5.600

Abstract

Study This aim For analyze is impact from principles finance sharia and understanding literacy finance sharia to results performance Micro , Small, and Medium Enterprises (MSMEs) finance in the District Kamanre . The methodology applied is approach quantitative with type studies associative . Subject study covers all MSME actors in the District Kamanre which numbered 307 units business , with amount sample A total of 75 respondents were determined use formula Slovin . The data analysis process was carried out through The Partial Least Squares Structural Equation Modeling (PLS-SEM) method is used SmartPLS4 application . Findings study indicates that principle finance sharia as well as literacy finance sharia own positive and significant impact​ to performance MSME finance . Principles finance sharia contribute to efficiency and sustainability business , whereas literacy finance sharia functioning in taking decision appropriate finances​ with sharia . Implications from studies This show that strengthening principles and literacy finance sharia can become step effective strategy​ in advance performance MSME finances in general sustainable and harmonious with values held by society​ Kamanre .
The Relationship between Consumer Lifestyle and Savings Level on Personal Money Management of Students of Muhammadiyah University of Palopo Nur Asrah; Asriany Asriany; Samsul Bachri
Journal of Applied Business, Taxation and Economics Research Vol. 5 No. 5 (2026)
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v5i5.601

Abstract

The purpose of this study is to examine the consumer lifestyle, savings level, and personal financial management of students. This study uses a quantitative approach, with data collected through a structured questionnaire. The population consisted of 1,199 students from the Faculty of Economics and Business, Muhammadiyah University of Palopo (classes of 2022, 2023, and 2024). Using the Slovin formula and random sampling, 93 respondents were selected. Data analysis was carried out using SPSS, including reliability and validity tests, multiple linear regression, coefficient of determination (R2 ) , partial tests (t-tests), and simultaneous tests (F). The results showed that a consumer lifestyle did not have a significant positive effect on financial management, while the savings level had a significant positive effect on financial management.
Co-Authors Asriany Asriany Asriany  Asriany Jumawan Jasman Naifa Saputri Nur Asrah Nurfadillah R Nurfadillah R Rahmawati  Rahmawati Risdayanti Risdayanti