Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
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This Author published in this journals
All Journal International Journal of Management and Business
Ahmad Mukoffi
Management, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia
Economics, Econometrics & Finance

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The Role of Financial Literacy as a Mediator of The Influence of Financial Knowledge, Financial Attitude, Financial Experience, and Locus of Control on Students' Personal Financial Management Anggraini Lokku Dapa Teo; Ahmad Mukoffi; Moch Nurhidayat
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Abstract

Personal financial management is an essential skill that students need to effectively organize and plan their finances. However, many students still struggle with financial management, which can lead to financial problems in the future. This study aims to analyze the role of financial literacy as a mediating variable in the relationship between financial knowledge, financial attitude, financial experience, and locus of control on students' personal financial management. This research employs a quantitative approach using a survey method on Management students at Universitas Tribhuwana Tunggadewi Malang from the 2021 and 2022 cohorts. Data were collected through questionnaires and analyzed using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method. The results indicate that financial literacy has a significant influence on personal financial management and serves as a mediator in the relationship between independent variables and personal financial management. These findings have implications for students to enhance their financial literacy to better manage their finances and for educational institutions to improve financial literacy programs for students.
The Influence of Financial and Non-Financial Factors on Credit Decisions in The Digital Era For Micro, Small, and Medium Enterprises (MSMEs) in Malang City Magdalena Opi; Ahmad Mukoffi; Moh. Askiyanto; Adrian Junaidar Handayanto
International Journal of Management and Business Vol. 3 No. 1 (2026): January
Publisher : International Research & Development for Human Beings (IRDH)

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Finding out how financial and non-financial elements affect lending choices in the digital age for MSMEs in Malang City partly and concurrently was the aim of this research. The study that was carried out used quantitative research methodologies. The study sample consisted of 98 respondents, selected through the simple random sampling technique. The researcher used a questionnaire as the method of data collecting. Using the SPSS version 26 software, multiple linear regression was the data analysis technique used. With a t-value of 6.070, the study's findings demonstrated that partly financial elements significantly influenced credit choices, while non-financial factors significantly influenced credit decisions with a t-value of 5.909. The findings also show that, with an F-value of 61.009, or an impact of 56.2%, both financial and non-financial variables significantly influenced lending choices for MSMEs in Malang City in the digital age. The findings of this research make it clear that both financial and non-financial elements are present and contribute significantly to the use of credit.
Co-Authors Adrian Junaidar Handayanto Anggraini Lokku Dapa Teo Magdalena Opi Moch Nurhidayat Moh. Askiyanto