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The Influence of Financial Literacy and Lifestyle on the Personal Financial Management of Students at Lembah Dempo University Nanda Oktadiansyah; Elvera Elvera; Nurlela Nurlela
The Future of Education Journal Vol 5 No 2 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v5i2.2109

This study aims to analyze the comprehensive effect of financial literacy and lifestyle choices on the personal financial management of active undergraduate students at Universitas Lembah Dempo during the 2026 academic year. Driven by emerging issues in digital consumerism and the rapid expansion of peer-led lifestyle expectations, managing student allowances has become a critical socioeconomic challenge. The research design implements a quantitative approach with an associative research paradigm. The empirical population targeted includes all active students across various departments, totaling 648 students, from which a representative sample of 87 respondents was drawn using the classic Yamane formula combined with an accidental sampling protocol. Primary empirical data collection was systematically operationalized through digitized multi-item questionnaires scored on a 5-point Likert scale. Analytical processes were fully carried out using descriptive statistical testing, instrument validation procedures, internal consistency reliability diagnostics, and multiple linear regression modeling computed via SPSS version 26. The empirical findings reveal that financial literacy independently exerts a highly significant and positive influence on personal financial management capabilities, yielding a significance level of 0.000 (< 0.05). Concurrently, individual lifestyle attributes show a statistically robust and profound predictive impact on how students structure their financial management routines (sig 0.000 < 0.05). Synthesizing both parameters, the simultaneous F-test validates that financial literacy and lifestyle dynamically predict personal financial management, exhibiting an F-value of 427.120 with an absolute significance of 0.000 (< 0.05). The computed coefficient of determination (R2) of 0.910 indicates that 91.0% of the statistical variance observed in students' personal financial management is robustly explained by these two predictors, leaving a minimal 9.0% attributed to external confounding factors. In conclusion, while both elements are highly relevant, financial literacy acts as the most dominant, critical asset in mitigating fiscal distress and reshaping sustainable student financial behaviors.

The Effect of Cash Management and Working Capital Management on Business Sustainability: Evidence from Ferli Confectionery Store in Rambai Kaca Village, Suka Merindu District, Lahat Regency Sindi Fionika; Elvera Elvera; Zulaiha Zulaiha
The Future of Education Journal Vol 5 No 2 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v5i2.2130

This study aims to examine and analyze the impact of cash and working capital management on business sustainability at Ferli’s Candy Store in Rambai Kaca Village, Suka Merindu Subdistrict. Business sustainability is a major challenge for MSMEs amid market fluctuations, making effective financial management a crucial foundation. This study employs a quantitative approach using an associative method and a saturated sample comprising monthly financial data spanning 36 months (2023–2025). Data analysis was conducted using multiple linear regression to test the influence of independent variables on business sustainability. The results indicate that cash management and working capital have a positive and significant effect on business sustainability, both partially and simultaneously. The coefficient of determination (R²) of 0.447 indicates that the variables of cash management and working capital account for 44.7% of the variation in the business sustainability of Toko Manisan Ferli, while the remaining 55.3% is influenced by other factors outside the scope of this study. These findings provide managerial implications for business owners to improve their financial record-keeping systems and strictly separate personal funds from business funds to ensure long-term operational sustainability.

The Effect of Cash Management and Working Capital Management on Operational Efficiency: Evidence from Roy Shop Photocopy in Bumi Agung Village Arent Pramana Putri; Elvera Elvera; Nurlela Nurlela
The Future of Education Journal Vol 5 No 2 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v5i2.2131

Praise and gratitude are expressed to Almighty God for His blessings and grace, enabling the author to complete the thesis entitled “The Effect of Cash Management and Working Capital on Operational Smoothness at Fotocopy Roy Shop in Bumi Agung Village, Dempo Utara District, Pagar Alam City.” This study aims to determine the effect of cash management and working capital on operational smoothness at Fotocopy Roy Shop. This research uses a quantitative method with monthly financial report data from the period of 2023–2025, consisting of 36 data points. The analysis technique used is multiple linear regression with the assistance of the SPSS program. The results of the study indicate that cash management and working capital have a positive and significant effect on operational smoothness. This is evidenced by the results of the t-test and F-test, which show a significance value of 0.000 < 0.05. The coefficient of determination shows an R Square value of 0.571, meaning that cash management and working capital are able to explain the effect on operational smoothness by 57.1%, while the remaining percentage is influenced by other variables outside the scope of this study. Based on the research results, it can be concluded that cash management and working capital have a positive and significant effect on operational smoothness at Fotocopy Roy Shop in Bumi Agung Village, Dempo Utara District, Pagar Alam City.

The Effect of Cash Management and Operational Cost Control on Business Profit: Evidence from Agung Trading Business in Tanjung Menang Jarai Village Sholikhatamara Sholikhatamara; Elvera Elvera; Ruaman Yudianto
The Future of Education Journal Vol 5 No 2 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v5i2.2139

The purpose of this study is to determine and describe the Effect of Cash Management and Operational Cost Control on Business Profit at "Usaha Dagang Agung" in Tanjung Menang Jarai Village. This type of research is Quantitative. The method used is saturated sampling. Primary data was obtained from Cash Management, Operational Cost Control, and Business Profit at "Usaha Dagang Agung" in Tanjung Menang Jarai Village. Secondary data was obtained through the Unrem Description of "Usaha Dagang Agung", Cash Management List, Operational Cost Control List. Business Profit List. The result is a multiple linear regression constant: -51.060 regression coefficient of Cash Management variable of 0.695. Based on the results of the regression coefficient analysis of the influence of Cash Management and Operational Braya Control on Business Profit, the multiple linear regression value is: Y = -51.060 -0.695 X1 -0.943 X2, constant value of -51.060. The regression coefficient value of Cash Management is positive at 0.695. This shows that each Cash Management unit will increase Operating Profit by 0.695 (positive effect). Based on the t-test results on the variables, the calculated t-value is 3.814 with a significance level of 0.1001. Meanwhile, the Operational Cost Control variable (X2) produces a calculated t-value of 3.666 with a significance value of 0.001. Because the significance values of the two variables are smaller (0.001 <0.05 and 0.001 <0.05), it can be concluded that both variables X1 and X2 have a partial significant effect on Operating Profit (Y).

The Effect of Raw Material Costs and Direct Labor Costs on the Cost of Goods Manufactured: Evidence from 3 Putri Coffee Roasting Business in Bumi Agung Village (2023–2025) Winda Fatrisia; Elvera Elvera; Nurlela Nurlela
The Future of Education Journal Vol 5 No 2 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v5i2.2142

Praise and gratitude the author prays to the presence of Allah SWT, because by His grace and blessings this research can be completed properly. This study is entitled “The Effect of Raw Material Costs and Direct Labor Costs on the Cost of Production at Roasting Kopi 3 Putri Business in Bumi Agung Village for the Period 2023–2025”. This study aims to determine the effect of raw material costs and direct labor costs on the cost of production both partially and simultaneously. The research method used is a quantitative method with an associative approach. The population in this study consisted of all reports of raw material costs, direct labor costs, and cost of production at Roasting Kopi 3 Putri Business during the 2023–2025 period, totaling 36 monthly reports. The sampling technique used was saturated sampling, so the entire population was used as the research sample. Data collection techniques were carried out through observation, interviews, documentation, and literature study. Data analysis methods used included normality test, classical assumption test, multiple linear regression analysis, coefficient of determination (R²), t-test, and F-test with the help of the SPSS program. The results of the study indicate that raw material costs and direct labor costs affect the cost of production both partially and simultaneously. Raw material costs have a more dominant influence on the cost of production compared to direct labor costs. The higher the raw material costs and direct labor costs, the higher the cost of production at Roasting Kopi 3 Putri Business in Bumi Agung Village.

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