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All Journal TRILOGI: Jurnal Ilmu Teknologi, Kesehatan, dan Humaniora Hatta: Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi
Laily Fitriya
Universitas Nurul Jadid
Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Public Health Other

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Pengaruh Literasi Keuangan terhadap Spending Behavior Mahasiswa Penerima Beasiswa Bank Indonesia Rizki Febri Eka Pradani; Fadhillatus Sholihah; Dita Wulandari Agustin; Dia Auliatur Rohmah; Laily Fitriya; Dini Fitriani Ali
TRILOGI: Jurnal Ilmu Teknologi, Kesehatan, dan Humaniora Vol 6, No 4 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/trilogi.v6i4.13309

Abstract

This study aims to analyze the effect of financial literacy on the spending behavior of Bank Indonesia Scholarship recipients at Universitas Nurul Jadid (UNUJA). The research employs a quantitative associative-causal approach with a sample of 80 scholarship recipients from 2023–2025. Data were collected through questionnaires and analyzed using simple linear regression with SPSS version 26. The results show that the financial literacy variable has a t-value of -1.344, lower than the t-table value of 2.012, with a significance level of 0.185 (> 0.05). This indicates that financial literacy has a negative but insignificant effect on students’ spending behavior. It implies that students’ financial understanding has not been fully reflected in their actual financial practices, as social factors, lifestyle, and campus environment still influence their spending patterns. This study highlights the need for more practical and value-based financial literacy programs so that scholarship recipients not only understand financial concepts but also apply them wisely and responsibly in daily life.
Peran Transformasi Digital dan Tantangan Inovasi Terhadap Keberlanjutan UMKM di Indonesia (Studi Literature Review) Moh Hamzah; Ririn Filda Yanti Ningsih; Usasilah Faria Z.A; Milin Umroatul Ummah; Laily Fitriya
HATTA : Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi Vol 1 No 2 (2023): Oktober
Publisher : STKIP MAJENANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62387/hatta.v1i2.53

Abstract

This research explores the challenges and opportunities faced by Micro, Small and Medium Enterprises (MSMEs) in implementing information technology (IT) and digitalization. Through a qualitative approach with in-depth interviews with MSME owners and managers in various sectors, the results show that MSMEs experience a number of obstacles such as limited financial resources, lack of technological knowledge, and inadequate infrastructure. However, the use of IT can increase efficiency, productivity and market access for MSMEs. External support such as technology training and subsidies from the government are important factors in overcoming this challenge. This research concludes that digital transformation is the key to increasing the competitiveness of MSMEs in the ever-growing digital era. It is hoped that the recommendations will help MSME owners and policy makers formulate strategies to support IT adoption effectively.
Co-Authors Dia Auliatur Rohmah Dini Fitriani Ali Dita Wulandari Agustin Fadhillatus Sholihah Milin Umroatul Ummah Moh Hamzah Ririn Filda Yanti Ningsih Rizki Febri Eka Pradani Usasilah Faria Z.A