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All Journal Jurnal Riset Inspirasi Manajemen dan Kewirausahaan
Normalina Normalina
Institut Bisnis dan Teknologi Kalimantan
Decision Sciences, Operations Research & Management

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Persepsi Mahasiswa Penerima Kip Kuliah Terhadap Literasi Keuangan dan Pengaruhnya Pada Kesejahteraan Finansial di Institut Bisnis Dan Teknologi Kalimantan Normalina Normalina; Ari Irawan
Jurnal Riset Inspirasi Manajemen dan Kewirausahaan Vol. 9 No. 2 (2025): Jurnal Riset Inspirasi Manajemen dan Kewirausahaan
Publisher : Sekolah Tinggi Ilmu Manajemen Indonesia (STIMI) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35130/3pqabq60

Abstract

This study aims to analyze the perception of Kartu Indonesia Pintar (KIP) Kuliah scholarship recipients on financial literacy and its impact on their financial well-being. A descriptive qualitative approach was applied through in-depth interviews with students at the Institut Bisnis dan Teknologi Kalimantan. The findings indicate that financial literacy plays a vital role in students' personal financial management. Students with higher financial literacy levels tend to manage their educational aid more wisely and demonstrate stronger financial planning skills. The study also identifies key challenges, such as the lack of formal financial education and the influence of a consumptive lifestyle. These findings highlight the importance of integrating financial literacy into higher education to enhance students’ financial well-being
From Financial Assistance To Financial Resilience: Exploring How Scholarship Recipients Develop Financial Capability In The Digital Era Ari Irawan; Normalina Normalina; Intan Damayanti
Jurnal Riset Inspirasi Manajemen dan Kewirausahaan Vol. 10 No. 2 (2026): Jurnal Riset Inspirasi Manajemen dan Kewirausahaan
Publisher : Sekolah Tinggi Ilmu Manajemen Indonesia (STIMI) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35130/2yx4a692

Abstract

This study aims to explore how scholarship students develop financial capability and financial resilience through financial learning, digital financial capability, financial behaviour, and adaptation to financial pressures. A qualitative approach with an interpretive phenomenological design is proposed to understand students' lived experiences in managing scholarship assistance and responding to financial challenges. Data are designed to be collected through semi-structured in-depth interviews and analyzed using reflexive thematic analysis. The proposed findings indicate that financial assistance should be understood not only as educational support but also as a context in which students learn financial responsibility. Financial capability is developed through practical experiences in budgeting, prioritizing needs, monitoring expenditures, and using digital financial services. Digital financial technology can facilitate transaction monitoring while also creating opportunities for impulsive consumption. Financial resilience is conceptualized as an adaptive process through which students respond to unexpected expenses, limited resources, and economic pressures. The study is expected to contribute to scholarship management by shifting attention from financial assistance alone toward financial empowerment, financial learning, and resilience-building
Co-Authors Ari Irawan Intan Damayanti