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FAKTOR YANG MEMPENGARUHI PENGELOLAAN KEUANGAN ISLAM PADA PEREMPUAN PEKERJA DI KOTA MEDAN Asyura Qayumi Mufti; Marlya Fatira AK; Anriza Witi Nasution; Rahmadani Rahmadani; Gatot Teguh Arifyanto; M. Rikwan Effendi Salam Manik
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 5 (2026): October (2026)
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/a3wvrp13

Abstract

Abstract: This study aims to analyze the influence of Sharia Financial Literacy, Income, Fintech Payment, and Impulsive Buying on Islamic Financial Management in Muslim working women in Medan City. The study used a quantitative method with 119 respondents and a Likert scale questionnaire as a data collection instrument. Data analysis was carried out using multiple linear regression, t-test, F test, determination coefficient (R²), and Pearson correlation with the help of IBM SPSS Statistics 22. The results showed that Sharia Financial Literacy and Income had a positive and significant effect on Islamic Financial Management with a moderate level of relationship. Fintech Payment had a negative relationship and had no significant effect, while Impulsive Buying had no significant effect with a low relationship level. Simultaneously, the four variables had a significant effect on Islamic Financial Management with a contribution of 33.2%, while 66.8% were influenced by other factors outside the study. Keywords: Sharia Financial Literacy, Income, Fintech Payment, and Impulsive Buying on Islamic Financial Managemet   Abstrak. Penelitian ini bertujuan menganalisis pengaruh Literasi Keuangan Syariah, Pendapatan, Fintech Payment, dan Impulsive Buying terhadap Pengelolaan Keuangan Islam pada perempuan pekerja Muslim di Kota Medan. Penelitian menggunakan metode kuantitatif dengan 119 responden dan menggunakan kuesioner berskala Likert sebagai instrumen pengumpulan data. Analisis data dilakukan menggunakan regresi linear berganda, uji t, uji F, koefisien determinasi (R²), dan dengan bantuan IBM SPSS Statistics 22. Hasil penelitian menunjukkan bahwa Literasi Keuangan Syariah dan Pendapatan berpengaruh positif dan signifikan terhadap Pengelolaan Keuangan Islam dengan tingkat hubungan sedang. Fintech Payment memiliki hubungan negatif dan tidak berpengaruh signifikan, sedangkan Impulsive Buying tidak berpengaruh signifikan dengan tingkat hubungan rendah. Secara simultan, keempat variabel berpengaruh signifikan terhadap Pengelolaan Keuangan Islam dengan kontribusi sebesar 33,2%, sedangkan 66,8% dipengaruhi oleh faktor lain di luar penelitian Kata Kunci: Litarasi Keuangan Syariah; Pendapatan; Fintech Payment; Impulsive Buying; Pengelolaan Keuangan Islam