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All Journal Jurnal Ilmiah Ekonomi Global Masa Kini Journal of Artificial Intelligence and Digital Business
Abigaiel C. Lesbasa
Universitas 17 Agustus 1945 Surabaya
Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering

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Analysis of Self-Control, Income Stability, and Problem-Solving Skills on Budgeting Behavior Abigaiel C. Lesbasa; Hwihanus
Jurnal Ilmiah Ekonomi Global Masa Kini Vol. 17 No. 1 (2026): Vol. 17 No. 1
Publisher : Universitas Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jiegmk.v17i1.7350

Abstract

Migrant students often experience unstable financial conditions, face increasing living-cost pressures, and have limited experience in managing personal finances independently. These challenges require adequate financial adaptability to enable students to manage their expenditures effectively and maintain financial stability. This study aims to examine the effects of Self-Control, Income Stability, and Problem-Solving Skill on Budgeting Behavior, both directly and indirectly through the mediating role of Financial Adaptability and the moderating role of Cost of Living Level. A quantitative approach was employed involving 70 migrant students selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4.0. The results indicate that Self-Control and Problem-Solving Skill have positive and significant effects on Financial Adaptability, whereas Income Stability does not significantly affect Financial Adaptability. Furthermore, Budgeting Behavior is positively and significantly influenced by Income Stability and Financial Adaptability, while Self-Control, Problem-Solving Skill, and Cost of Living Level do not have significant direct effects on Budgeting Behavior. In addition, Financial Adaptability does not mediate the relationships between the three independent variables and Budgeting Behavior. Likewise, Cost of Living Level does not moderate the relationship between Financial Adaptability and Budgeting Behavior. These findings demonstrate that income stability and financial adaptability play a more substantial role in explaining migrant students’ budgeting behavior than the psychological factors examined in this study. The study highlights the importance of strengthening financial adaptability and maintaining income stability as key determinants of effective budgeting behavior among migrant students. Keywords: Self-Control, Income Stability, Problem-Solving Skill, Financial Adaptability, Budgeting Behavior.
Pengalaman Mahasiswa dalam Memanfaatkan ChatGPT untuk Mendukung Aktivitas Akademik: Studi Fenomenologi di Universitas 17 Agustus 1945 Surabaya Abigaiel C. Lesbasa; Iftahul Jannah; Azizah Ainun Mari'a; Muhammad Rahmtullah Kautsari; Tan Evan Tandiyono
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.10294

Abstract

The rapid development of Artificial Intelligence (AI) has transformed various aspects of higher education, particularly through the increasing use of ChatGPT as an academic support tool. This study aims to explore and understand students’ experiences in utilizing ChatGPT to support their academic activities at Universitas 17 Agustus 1945 Surabaya. A qualitative approach with a phenomenological design was employed to capture the lived experiences of students who actively use ChatGPT in their learning process. Data were collected through in-depth interviews with four students from different study programs and analyzed using thematic analysis. The findings reveal four major themes. First, ChatGPT is widely used to support learning activities, including understanding course materials, generating ideas, organizing assignments, and solving technical problems. Second, students perceive ChatGPT as a practical and efficient learning aid that facilitates access to information and improves academic productivity. Third, although students acknowledge the benefits of ChatGPT, they also recognize the risk of technological dependence and the potential decline in critical thinking skills when the technology is used excessively. Fourth, students demonstrate awareness of the limitations of AI-generated information by conducting verification through journals, books, and other credible sources before using the information for academic purposes. The study concludes that ChatGPT has become an integral part of students’ academic experiences by providing efficiency and learning support. However, its use requires critical awareness and responsible academic practices to ensure that technological assistance enhances, rather than replaces, independent learning and critical thinking.
Co-Authors - Hwihanus Azizah Ainun Mari'a Iftahul Jannah Muhammad Rahmtullah Kautsari Tan Evan Tandiyono