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The Effect of Social Media, Hedonistic Behavior, and Emotional Intelligence on Financial Management among Students Living in Boarding Houses Afidah, Rabi'atul; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.693

Students living in boarding houses frequently encounter difficulties in managing their finances, which is often triggered by limited income, lifestyle demands, and intense exposure to digital platforms. Situations like these make financial management a crucial issue to examine, particularly when linked to psychological and behavioral factors that may influence it. This study investigates how social media use, hedonistic tendencies, and emotional intelligence shape the financial management practices of boarding house students, as well as compares the relative impact of each variable. The research applies a quantitative approach, utilizing questionnaires distributed to 100 respondents selected through purposive sampling. Data were analyzed using the Structural Equation Modeling method with Partial Least Squares (SEM-PLS). The findings reveal that social media exposure and hedonistic behavior do not significantly affect financial management, whereas emotional intelligence shows a strong, positive, and dominant influence in explaining students’ financial behavior. These results highlight that internal psychological traits play a more decisive role than external influences. Based on these insights, the study recommends that educational institutions incorporate emotional intelligence development into financial literacy programs and support students in enhancing their self-regulation skills for managing daily finances. Future research is advised to include mediator variables such as financial self-efficacy or self-regulation to broaden the understanding of factors influencing financial behavior.

The Influence of Future Orientation, Self-Control, and Financial Responsibility on Financial Management Behavior: A Comparative Study Between Married and Unmarried Women Putri, Marsya Lydia; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.713

This study was carried out to examine psychological factors influencing women’s financial management behavior, including both married and unmarried individuals. This research aims to analyze the effects of Future Orientation (X1), Self-Control (X2), and Financial Responsibility (X3) on Financial Management Behavior (Y), as well as to compare their impacts between the two groups of women. The method used was a quantitative comparative explanatory with 100 respondents in Bengkalis District, Riau, who were chosen using a purposive sampling technique. Data analysis was performed using SEM-PLS along with Multi-Group Analysis (MGA). The findings indicate that Future Orientation (β = 0.209), Self-Control (β = 0.220), and Financial Responsibility (β = 0.435) positively and significantly influence Financial Management Behavior, with Financial Responsibility being the strongest contributing variable. The results of the MGA test reveal no significant differences in financial management behavior between married and unmarried women (p-value > 0.05). Based on these results, it is recommended that financial literacy programs, personal financial management training, and financial behavior improvement interventions be focused on strengthening future orientation, self-control, and financial responsibility. Educational institutions, financial institutions, and women's communities are advised to provide continuous education so that all women, regardless of marital status, are able to build healthier and more sustainable financial behaviors.

The Effect of Easy Access to Mobile Banking, Financial Literacy, and Social Environment on Student Non-Cash Transactions Syamsulrizal, Syamsulrizal; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.715

The digitalization of the payment system in Indonesia is growing rapidly, but the use of non-cash transactions among students is still not optimal even though access to mobile banking is getting easier, thus showing a gap between the availability of technology and user behavior. This study aims to analyze the influence of ease of access to mobile banking, financial literacy, and social environment on non-cash transactions in students of the Public Finance Accounting Study Program, Bengkalis State Polytechnic. The method used was a quantitative approach with SEM-PLS, and data was obtained through the distribution of questionnaires to 230 students who were active users of mobile banking. All research indicators were declared valid with an outer loading value of 0.626–0.892 and AVE above 0.50, and reliable with a Composite Reliability of 0.893–0.925. The results showed that the ease of access to mobile banking had a significant effect on non-cash transactions (coefficient 0.437; p < 0.001), financial literacy also had a significant effect (coefficient 0.350; p < 0.001), while the social environment did not have a significant effect (coefficient 0.079; p = 0.113). An R² value of 0.599 indicates that the three variables are free to explain 59.9% of non-cash transaction variations, with a Q² value of 0.604 indicating the model's strong predictive capabilities. These findings confirm that technology factors and financial understanding are the main determinants of student non-cash transaction behavior, while social influences do not play a strong role. Therefore, it is recommended that educational institutions strengthen digital financial literacy and work with banks to improve education on digital financial services to encourage the use of non-cash transactions more optimally.

The Influence of Accounting Knowledge, Internal Control, and Financial Literacy on the Financial Performance of Boarding Houses: (Study on Boarding House Owners in Bengkalis District) Marfina, Meri; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.717

This study is driven by the significance of effective financial management in boarding houses, so boarding house owners need to have adequate where accounting knowledge, internal control systems, and financial literacy to improve their financial performance. This study aims to examine the effect of accounting Knowledge, Internal Control, and Financial Literacy on the financial performance of boarding houses in Bengkalis District. The research method a quantitative research design, with data obtained using structured questionnaires distributed to 68 owners or kost managers, and the analysis was carried out using descriptive statistical analysis, instrument validity and reliability assessments, classical assumption evaluations, and multiple linear regressions through SPSS, The findings of this study indicate that simultaneously the three independent variables jointly exerted a statistically significant influence on Financial Performance, with a significance level below 28.598 and a p < 0.001 and an Adjusted R² of 0.553. Partially, Internal Control (β = 0.164; p < 0.001) and Financial Literacy (β = 0.542; p < 0.001) had demonstrated a positive and statistically meaningful impact, whereas Accounting Knowledge did not show a significant effect (β = –0.134; p = 0.108). These findings show that the application of internal control mechanisms and financial literacy has a stronger role in improving financial performance than just accounting knowledge that is not applied optimally. This study recommends increasing internal control training, financial literacy, and practical bookkeeping assistance for boarding house owners to strengthen business performance.

The Influence of Financial Knowledge, Attitudes to Finance, and Lifestyle on Interest in Online Loans in Bengkalis Regency Accounting Students Aisah, Siti; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.724

This study aims to analyze the influence of financial knowledge, financial attitudes, and lifestyle on the use of online loans in accounting students in Bengkalis Regency. The background of this research began with the increasing use of online loan services among students who were influenced by ease of access, fast processes, and attractive promotions. This phenomenon raises concerns because some students still have low financial literacy and a high consumptive lifestyle. The research uses a quantitative approach by distributing questionnaires to students of the accounting study program who are actively using online loan services. The data analysis technique uses Partial Least Square (PLS) to evaluate the relationship between variables. The results of the study show that financial knowledge has a positive but not significant effect on online loan interest. Financial attitudes have a positive and significant effect on interest in online loans, while lifestyle also has a positive and significant influence. These findings show that students' decisions to use online loans are more influenced by attitudes and lifestyles than financial knowledge levels. This research is expected to contribute to understanding student financial behavior and become an input for educational institutions in improving the financial literacy of the younger generation.

The Effect of Financial Report Transparency and Accountability on Public Trust in Savings and Loan Units (USP) in Rupat District” Anom, Saripah; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.687

MSMEs as a support for the national economy need the support of microfinance institutions such as the Savings and Loan Unit (USP). However, in Rupat District, there are still problems of lack of transparency and weak accountability of USP management. This condition has an impact on declining member trust, so an empirical study is needed to see the influence of these two factors. This study aims to determine the influence of financial report transparency and accountability on public trust. The research method uses a quantitative approach by collecting data through the distribution of questionnaires to USP members. The research sample amounted to 72 respondents who were selected using saturated sampling techniques. Descriptive statistical results show that transparency, accountability, and public trust are in the high category. The validity and reliability test states that all research instruments are valid and reliable. The regression results showed that the transparency of financial statements had a positive and significant effect on public confidence (t = 4,016; Sig = 0.001), as well as accountability that had a significant effect (t = 4.623; sig = 0.001). The F test showed a significant simultaneous influence (Fcal = 83.865; Sig = 0.001) with an Adjusted R² of 0.700. Based on these findings, the study recommends that USP improve information disclosure, timeliness of reporting, and strengthen accountability mechanisms to maintain and strengthen public trust.

The Effect of Social Media, Hedonistic Behavior, and Emotional Intelligence on Financial Management among Students Living in Boarding Houses Afidah, Rabi'atul; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.693

Students living in boarding houses frequently encounter difficulties in managing their finances, which is often triggered by limited income, lifestyle demands, and intense exposure to digital platforms. Situations like these make financial management a crucial issue to examine, particularly when linked to psychological and behavioral factors that may influence it. This study investigates how social media use, hedonistic tendencies, and emotional intelligence shape the financial management practices of boarding house students, as well as compares the relative impact of each variable. The research applies a quantitative approach, utilizing questionnaires distributed to 100 respondents selected through purposive sampling. Data were analyzed using the Structural Equation Modeling method with Partial Least Squares (SEM-PLS). The findings reveal that social media exposure and hedonistic behavior do not significantly affect financial management, whereas emotional intelligence shows a strong, positive, and dominant influence in explaining students’ financial behavior. These results highlight that internal psychological traits play a more decisive role than external influences. Based on these insights, the study recommends that educational institutions incorporate emotional intelligence development into financial literacy programs and support students in enhancing their self-regulation skills for managing daily finances. Future research is advised to include mediator variables such as financial self-efficacy or self-regulation to broaden the understanding of factors influencing financial behavior.

The Influence of Future Orientation, Self-Control, and Financial Responsibility on Financial Management Behavior: A Comparative Study Between Married and Unmarried Women Putri, Marsya Lydia; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.713

This study was carried out to examine psychological factors influencing women’s financial management behavior, including both married and unmarried individuals. This research aims to analyze the effects of Future Orientation (X1), Self-Control (X2), and Financial Responsibility (X3) on Financial Management Behavior (Y), as well as to compare their impacts between the two groups of women. The method used was a quantitative comparative explanatory with 100 respondents in Bengkalis District, Riau, who were chosen using a purposive sampling technique. Data analysis was performed using SEM-PLS along with Multi-Group Analysis (MGA). The findings indicate that Future Orientation (β = 0.209), Self-Control (β = 0.220), and Financial Responsibility (β = 0.435) positively and significantly influence Financial Management Behavior, with Financial Responsibility being the strongest contributing variable. The results of the MGA test reveal no significant differences in financial management behavior between married and unmarried women (p-value > 0.05). Based on these results, it is recommended that financial literacy programs, personal financial management training, and financial behavior improvement interventions be focused on strengthening future orientation, self-control, and financial responsibility. Educational institutions, financial institutions, and women's communities are advised to provide continuous education so that all women, regardless of marital status, are able to build healthier and more sustainable financial behaviors.

The Effect of Easy Access to Mobile Banking, Financial Literacy, and Social Environment on Student Non-Cash Transactions Syamsulrizal, Syamsulrizal; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.715

The digitalization of the payment system in Indonesia is growing rapidly, but the use of non-cash transactions among students is still not optimal even though access to mobile banking is getting easier, thus showing a gap between the availability of technology and user behavior. This study aims to analyze the influence of ease of access to mobile banking, financial literacy, and social environment on non-cash transactions in students of the Public Finance Accounting Study Program, Bengkalis State Polytechnic. The method used was a quantitative approach with SEM-PLS, and data was obtained through the distribution of questionnaires to 230 students who were active users of mobile banking. All research indicators were declared valid with an outer loading value of 0.626–0.892 and AVE above 0.50, and reliable with a Composite Reliability of 0.893–0.925. The results showed that the ease of access to mobile banking had a significant effect on non-cash transactions (coefficient 0.437; p < 0.001), financial literacy also had a significant effect (coefficient 0.350; p < 0.001), while the social environment did not have a significant effect (coefficient 0.079; p = 0.113). An R² value of 0.599 indicates that the three variables are free to explain 59.9% of non-cash transaction variations, with a Q² value of 0.604 indicating the model's strong predictive capabilities. These findings confirm that technology factors and financial understanding are the main determinants of student non-cash transaction behavior, while social influences do not play a strong role. Therefore, it is recommended that educational institutions strengthen digital financial literacy and work with banks to improve education on digital financial services to encourage the use of non-cash transactions more optimally.

The Influence of Accounting Knowledge, Internal Control, and Financial Literacy on the Financial Performance of Boarding Houses: (Study on Boarding House Owners in Bengkalis District) Marfina, Meri; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.717

This study is driven by the significance of effective financial management in boarding houses, so boarding house owners need to have adequate where accounting knowledge, internal control systems, and financial literacy to improve their financial performance. This study aims to examine the effect of accounting Knowledge, Internal Control, and Financial Literacy on the financial performance of boarding houses in Bengkalis District. The research method a quantitative research design, with data obtained using structured questionnaires distributed to 68 owners or kost managers, and the analysis was carried out using descriptive statistical analysis, instrument validity and reliability assessments, classical assumption evaluations, and multiple linear regressions through SPSS, The findings of this study indicate that simultaneously the three independent variables jointly exerted a statistically significant influence on Financial Performance, with a significance level below 28.598 and a p < 0.001 and an Adjusted R² of 0.553. Partially, Internal Control (β = 0.164; p < 0.001) and Financial Literacy (β = 0.542; p < 0.001) had demonstrated a positive and statistically meaningful impact, whereas Accounting Knowledge did not show a significant effect (β = –0.134; p = 0.108). These findings show that the application of internal control mechanisms and financial literacy has a stronger role in improving financial performance than just accounting knowledge that is not applied optimally. This study recommends increasing internal control training, financial literacy, and practical bookkeeping assistance for boarding house owners to strengthen business performance.

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