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All Journal Economic Education Analysis Journal Business and Accounting Education Journal
Indah Warih Yanti
Universitas Sebelas Maret
Economics, Econometrics & Finance

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The Influence of Financial Literacy and Religiosity on Students’ Investment Decisions: A Comparative Study between Boarding School and Non-Boarding School Students Indah Warih Yanti; Muhammad Sabandi
Economic Education Analysis Journal Vol. 14 No. 3 (2025): Economic Education Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/eeaj.v14i3.33528

Abstract

This study aims to analyze the influence of financial literacy and religiosity on investment decisions, and to compare the differences in these influences on Islamic boarding school students and non-Islamic boarding school students in Surakarta City. This study is a quantitative study with a sample of 165 university students in Surakarta City, both with and without an Islamic boarding school background. Data collection techniques used tests and questionnaires in the form of Google Forms. Data analysis techniques used descriptive analysis, normality tests, linearity tests, multicollinearity tests, heteroscedasticity tests, and multiple linear analysis. The results of this study indicate that 1) financial literacy has a positive and significant effect on investment decisions, obtaining a regression coefficient of 0.574 and a calculated t of 2.286. The calculated t value > t table (2.286 > 1.974) and a significance value of 0.024 is smaller than 0.05 (0.024 < 0.05); 2) religiosity has a positive and significant effect on investment decisions, obtaining a regression coefficient of 0.271 and a calculated t of 4.221. The calculated t value > t table (4.221 > 1.974) and the significance value of 0.000 is smaller than 0.05 (0.024 < 0.05). 3) Islamic boarding school students have a greater influence on investment decisions than non-Islamic boarding school students, obtaining a determination coefficient (R²) of 0.505 and non-Islamic boarding school students of 0.396.
Analisis Pendapatan, Literasi Keuangan, dan Frugal Living terhadap Pola Konsumsi Rumah Tangga: A Systematic Literature Review Indah Warih Yanti; Dewi Kusuma Wardani; Mitasih Indriayu
Business and Accounting Education Journal Vol. 7 No. 2 (2026): Business and Accounting Education Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/baej.v7i2.54103

Abstract

Penelitian ini bertujuan menganalisis pengaruh pendapatan, literasi keuangan, dan frugal living terhadap pola konsumsi rumah tangga melalui pendekatan Systematic Literature Review (SLR). Penelitian terdahulu umumnya mengkaji ketiga variabel tersebut secara terpisah dan dalam konteks yang beragam, sehingga belum tersedia sintesis yang mengintegrasikan hubungan ketiganya secara komprehensif. Kajian ini menggunakan pedoman Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) untuk mengidentifikasi, menyaring, dan menyeleksi artikel yang terindeks pada Scopus, ScienceDirect, dan Google Scholar dengan rentang publikasi 2009–2026, diperoleh 18 artikel yang memenuhi kriteria inklusi. Hasil sintesis menunjukkan bahwa pendapatan berpengaruh positif terhadap pola konsumsi rumah tangga melalui peningkatan daya beli dan kemampuan memenuhi kebutuhan. Literasi keuangan berkontribusi dalam meningkatkan kemampuan pengelolaan keuangan sehingga mendorong keputusan konsumsi yang lebih rasional, terencana, dan sesuai prioritas. Sementara itu, frugal living berperan dalam menekan perilaku konsumtif, meningkatkan efisiensi pengeluaran, dan mendorong pemanfaatan sumber daya secara bijaksana. Secara keseluruhan, ketiga faktor tersebut saling melengkapi dalam membentuk pola konsumsi rumah tangga yang sehat, efisien, dan berkelanjutan. Temuan ini memberikan dasar konseptual bagi penelitian selanjutnya serta menjadi masukan bagi perumusan kebijakan dan program edukasi keuangan untuk meningkatkan kesejahteraan rumah tangga.  
Co-Authors Dewi Kusuma Wardani Mitasih Indriayu Muhammad Sabandi