Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) International Journal of Digital Entrepreneurship and Business (IDEB)
Putri Sarah Olivia
University of Jakarta International
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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PERSONAL FINANCIAL MANAGEMENT IN COLLEGE STUDENTS: THE IMPACT OF FINANCIAL KNOWLEDGE AND ATTITUDE ON SAVING BEHAVIOR Fahri Haikal; Putri Sarah Olivia; Alamsyah Siregar; Suyanto Walidi
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 15 No. 2 (2026): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v15i2.3882

Abstract

Introduction: This study is motivated by the low level of financial literacy among university students and the increasing complexity of personal financial management in the modern era. Financial knowledge and financial attitude are considered important factors influencing students’ saving behavior; however, empirical studies integrating these two variables are still limited, particularly in the Indonesian context.Methods: This research employs a quantitative approach using primary data collected through an online questionnaire distributed to 200 university students in the DKI Jakarta area. A purposive sampling technique was applied, and data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM).Results: The findings reveal that financial knowledge has a positive and significant effect on both financial attitude and saving behavior. Financial attitude also has a positive and significant influence on saving behavior. Furthermore, financial attitude plays a stronger role in influencing saving behavior compared to the direct effect of financial knowledge.Conclusion and suggestions: The study concludes that students’ saving behavior is shaped by the interaction between cognitive factors (financial knowledge) and affective factors (financial attitude). Therefore, it is recommended that educational institutions and policymakers enhance financial literacy programs by not only improving knowledge but also fostering positive financial attitudes to promote better saving behavior among students. Keywords: Behavioral Finance; Financial Attitude; Financial Knowledge; Financial Literacy; Saving Behavior
Work-Life Balance, Work Environment, and Employee Job Satisfaction in a Treasury Cooperative Delvy Pramia Ardhela; Fahri Haikal; Putri Sarah Olivia; Suyanto
International Journal of Digital Entrepreneurship and Business Vol 6 No 2 (2025): International Journal of Digital Entrepreneurship and Business (IDEB)
Publisher : Universitas Jakarta Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52238/ideb.v6i2.392

Abstract

This study aims to analyze the influence of work-life balance and work environment on job satisfaction of employees at the Employee Cooperative of the Central Office of the Directorate General of Treasury, Ministry of Finance. The research methodology employs a quantitative approach with an associative research design. The sample comprises 33 employees using a saturated sampling technique (census). Data collection was conducted through questionnaire distribution measured using a five-point Likert scale. Data analysis was performed using multiple linear regression analysis assisted by IBM SPSS Statistics 25 software. The findings indicate that: work-life balance has a positive and significant influence on job satisfaction with a significance value of 0.000, work environment has a positive and significant influence on job satisfaction with a significance value of 0.000, and work-life balance and work environment together have a positive and significant influence on job satisfaction with a significance value of 0.000. The results of the multiple linear regression analysis yielded the equation Y = -5.843 + 0.644X1 + 0.479X2, indicating that work-life balance and the work environment enhance employee job satisfaction. The coefficient of determination (R²) of 0.916 indicates a very strong relationship between the independent variables and the dependent variable. Meanwhile, the adjusted R² of 0.828 indicates that work-life balance and work environment account for 82.8% of the variation in job satisfaction, while the remaining 17.2% is influenced by other factors outside the scope of this study. This study concludes that work-life balance, work environment, and job satisfaction have a significant influence on job satisfaction, both partially and simultaneously. Therefore, organizations need to pay attention to employees’ work-life balance and create a conducive work environment to enhance employee job satisfaction.
Understanding Generation Z’s Financial Behavior: Determinants of Propensity Toward Indebtedness in Jabodetabek: English Putri Sarah Olivia; Fahri Haikal; Suyanto .; Agung Priyono; Awang Darmawan Putra
International Journal of Digital Entrepreneurship and Business Vol 7 No 1 (2026): International Journal of Digital Entrepreneurship and Business (IDEB)
Publisher : Universitas Jakarta Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52238/ideb.v7i1.397

Abstract

This study aims to analyze the factors influencing the propensity toward indebtedness and to examine the role of religiosity as a moderator in the relationship between emotion and the propensity to incur debt among Generation Z in the Jabodetabek area. A quantitative approach was employed using purposive sampling to survey 400 Generation Z respondents residing in Jakarta, Bogor, Depok, Tangerang, and Bekasi. Data were collected via a questionnaire comprising six constructs: emotion, financial literacy, materialism, religiosity, risk perception, and propensity toward indebtedness, each measured by five indicators. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS. The results indicate that financial literacy, materialism, religiosity, and risk perception shape the propensity toward indebtedness, whereas emotion is not a direct determinant. Furthermore, religiosity neither strengthens nor weakens the relationship between emotion and the propensity toward indebtedness. This study contributes to the literature by integrating cognitive, behavioral, consumption-related, risk perception, and personal value factors to explain the propensity to incur debt among Generation Z amidst rising access to digital financial services.
Co-Authors AGUNG PRIYONO Alamsyah Siregar Delvy Pramia Ardhela Fahri Haikal Putra, Awang Darmawan Suyanto . Suyanto Suyanto