Article Per Year (5 Year)
p-Index From 2021 - 2026
1.67
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This Author published in this journals
All Journal Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Rosmida Rosmida
Politeknik Negeri Bengkalis, Bengkalis, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Influence of Accounting Knowledge, Internal Control, and Financial Literacy on the Financial Performance of Boarding Houses: (Study on Boarding House Owners in Bengkalis District) Meri Marfina; Rosmida Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.717

Abstract

This study is driven by the significance of effective financial management in boarding houses, so boarding house owners need to have adequate where accounting knowledge, internal control systems, and financial literacy to improve their financial performance. This study aims to examine the effect of accounting Knowledge, Internal Control, and Financial Literacy on the financial performance of boarding houses in Bengkalis District. The research method a quantitative research design, with data obtained using structured questionnaires distributed to 68 owners or kost managers, and the analysis was carried out using descriptive statistical analysis, instrument validity and reliability assessments, classical assumption evaluations, and multiple linear regressions through SPSS, The findings of this study indicate that simultaneously the three independent variables jointly exerted a statistically significant influence on Financial Performance, with a significance level below 28.598 and a p < 0.001 and an Adjusted R² of 0.553. Partially, Internal Control (β = 0.164; p < 0.001) and Financial Literacy (β = 0.542; p < 0.001) had demonstrated a positive and statistically meaningful impact, whereas Accounting Knowledge did not show a significant effect (β = –0.134; p = 0.108). These findings show that the application of internal control mechanisms and financial literacy has a stronger role in improving financial performance than just accounting knowledge that is not applied optimally. This study recommends increasing internal control training, financial literacy, and practical bookkeeping assistance for boarding house owners to strengthen business performance.
The Influence of Financial Knowledge, Attitudes to Finance, and Lifestyle on Interest in Online Loans in Bengkalis Regency Accounting Students Siti Aisah; Rosmida Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.724

Abstract

This study aims to analyze the influence of financial knowledge, financial attitudes, and lifestyle on the use of online loans in accounting students in Bengkalis Regency. The background of this research began with the increasing use of online loan services among students who were influenced by ease of access, fast processes, and attractive promotions. This phenomenon raises concerns because some students still have low financial literacy and a high consumptive lifestyle. The research uses a quantitative approach by distributing questionnaires to students of the accounting study program who are actively using online loan services. The data analysis technique uses Partial Least Square (PLS) to evaluate the relationship between variables. The results of the study show that financial knowledge has a positive but not significant effect on online loan interest. Financial attitudes have a positive and significant effect on interest in online loans, while lifestyle also has a positive and significant influence. These findings show that students' decisions to use online loans are more influenced by attitudes and lifestyles than financial knowledge levels. This research is expected to contribute to understanding student financial behavior and become an input for educational institutions in improving the financial literacy of the younger generation.
Co-Authors Marsya Lydia Putri Meri Marfina Rabi'atul Afidah Saripah Anom Siti Aisah Syamsulrizal Syamsulrizal