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All Journal JMB : Jurnal Manajemen dan Bisnis Jurnal Abdimas Kartika Wijayakusuma Journal of Accounting and Finance Management (JAFM) Jurnal Comparative : Ekonomi Dan Bisnis ABDIMU Jurnal Pengabdian Kepada Masyarakat Digital Business Journal (DIGIBIS)
Negara, Andi Kusuma
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Journal : Digital Business Journal (DIGIBIS)

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WHAT IS THE BEHAVIOR OF STUDENT SAVINGS? Negara, Andi Kusuma; Erdawati, Lena; Hardianto, Alit Millinia; Mubarok, Ahmad Zakki
Digital Business Journal Vol 3, No 2 (2025): Digital Business Journal
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/digibis.v3i2.13475

Abstract

This study aims to test and analyze the influence of financial knowledge, financial attitude, and income on student saving behavior. The independent variables in this study were financial knowledge, financial attitude and income, while the dependent variables in this study were saving behavior. This study uses primary data by providing a number of questionnaires to management students of the Faculty of Economics and Business, University of Muhammadiyah Tangerang. The number of samples in this study was 89 respondents. Furthermore, the data that has been collected is analyzed by multiple linear regression, The regression test results show that there is a significant influence of financial knowledge and financial attitude variables on saving behavior, proven. This is evidenced by the t-value calculated on the financial knowledge variable of 3,599 with a significance of 0.001 and the financial attitude of 4,120 with a significance of 0.000 so that the t-value is calculated above the t table and the significance is below 0.10. Therefore, it can be concluded that there is a significant influence of financial knowledge and financial attitude variables on saving behavior. Meanwhile, there is an influence of income variables on saving behavior, which is not proven. This is evidenced by the t-value calculated on the income variable of 0.820 with a significance of 0.414 so that the t-value calculated below the t table and the significance above 0.10. Therefore, it can be concluded that there is no significant influence of income variables on saving behavior.
THE EFFECT OF FINTECH PAYMENT AND FINANCIAL LITERACY ON EMPLOYEES' FINANCIAL BEHAVIOR Negara, Andi Kusuma; Sunaryo, Dede
Digital Business Journal Vol 2, No 2 (2024): Digital Business Journal
Publisher : Universitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/digibis.v2i2.10647

Abstract

This research aims to examine and determine the influence of Fintech Payment, Financial Literacy on Employee Financial Behavior partially or simultaneously. The data analysis method used is multiple regression analysis so that the direction and magnitude of the influence of the independent variable on the dependent variable can be clearly depicted. This research used SPSS 22. The research sample consisted of 77 employees at PT Garuda. Sampling using the Slovin formula. The research results show that: 1). Fintech Payment has a positive and significant effect on Employee Financial Behavior; 2). Financial Literacy has a positive and insignificant effect on employee financial behavior and simultaneously has a positive and significant effect. 
Co-Authors Abdul Karim Abdul Rauf Erdawati, Lena Febrianto, Hendra Galuh Fitriana, Amalia Indah Hardianto, Alit Millinia Humairoh, Humairoh Khasanah, Iis Naning Nur Kurniastuti, Cahyani Mubarok, Ahmad Zakki Nugrohojati, Erni Agung Pratiwi, Linda Dwi Priyatna, Eka Hendra Sunaryo, Dede