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All Journal Jurnal Manajemen Sains dan Organisasi (JMSO) Pengabdian Kampus: Jurnal Informasi Kegiatan Pengabdian Pada Masyarakat Jurnal Ekonomika Manajemen Dan Bisnis Journal of Economics and Social Sciences Al-Ijtimā: Jurnal Pengabdian Kepada Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi
Nurwati, Solikah
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Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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Journal : Jurnal Ekonomika Manajemen Dan Bisnis

 1 
Pengaruh Teknologi Finansial, Gaya Hidup Konsumtif, Literasi Keuangan Terhadap Pengendalian Keuangan Mahasiswa Kota Palangka Raya Rahman, Muhammad Arie; Nurwati, Solikah; Barus, Iren Nita Br; Meyrianisa, Yaya; Choerunisa, Nur; Hidayah, Selvia Nur
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 1 (2025): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i1.2858

Abstract

The development of financial technology, a consumptive lifestyle, and low financial literacy are challenges for students in managing their finances. Students as a productive age group are often unable to control their finances effectively, especially in Palangka Raya City. This study aims to analyze the influence of financial technology, a consumptive lifestyle, and financial literacy on students' financial control. The population of this study were college students in Palangka Raya City who were selected through purposive random sampling techniques. The method used was qualitative which was quantified with a multiple linear regression approach, and data processing using SPSS. The results of the study showed that the independent variables of financial technology, consumptive lifestyle, and financial literacy had a significant simultaneous effect on students' financial control. However, only financial literacy had a partial effect. This finding emphasizes the importance of increasing financial literacy and controlling consumptive behavior in the digital era. A balance between the use of financial technology and financial awareness is needed so that students are able to manage their finances wisely and independently.
Pengaruh Literasi Keuangan, Digital Payment, Media Sosial Terhadap Perilaku Konsumtif Mahasiswa Universitas Palangka Raya Oktami Nabella Tanjung; Nurwati, Solikah; Rajagukguk, Katarina Rani; Br Bangun, Nia Adelina
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 1 (2025): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i1.2931

Abstract

The increasing trend of consumptive behavior among university students in the digital era has become a critical concern requiring comprehensive analysis. The core issue of this study lies in the high level of student consumption behavior that is disproportionate to their financial literacy, further intensified by the ease of digital payments and the influence of social media. This research aims to analyze the effects of financial literacy, digital payment, and social media on the consumptive behavior of students at Universitas Palangka Raya. A quantitative research approach was employed, involving the distribution of Likert-scale questionnaires to 202 students selected through non-probability sampling. The data were processed using multiple linear regression with SPSS version 25, including validity and reliability testing, classical assumption testing (normality, linearity, multicollinearity, heteroscedasticity, and autocorrelation), as well as t-tests and F-tests. The findings reveal that digital payment and social media have a positive and significant impact on consumptive behavior, with social media emerging as the most influential factor. Conversely, financial literacy has a negative but statistically insignificant effect. The regression model explains 37.6% of the variation in students’ consumptive behavior, with the remaining 62.4% influenced by external factors not included in the model. These results underscore the importance of practical financial education, increased awareness of digital financial tools, and critical engagement with social media to mitigate excessive consumption tendencies among students in today’s digital consumption culture.
Co-Authors Ali, Rahman Anatasia, Neri Anggen, Febri Oktaviansen Sitmar Anggen Baihaqi, Amar Banurea, Septina Eka Nia Barus, Iren Nita Br Beatrika, Jelly Berlianti, Septiani Br Bangun, Nia Adelina Choerunisa, Nur Efrandi, Raendra Evanggelion, Ekklesia Hendrayati, Sri Lestari Hidayah, Selvia Nur Kurniawan, Hengky Kuswanto, Ferdy M. Roni Riswandi Mahrita, Ani Margaretha, Yolanda Meyrianisa, Yaya Muhamad Al Ikhsan Muliyani, Agustina Murniyati Yanur Oktami Nabella Tanjung Pratama, Rionaldi Harya Pretti Rahman, Muhammad Arie Rahmawati Budi Mulyani Rahmiati Rajagukguk, Katarina Rani Rasyiana, Meisya Retawati, Anike ROMIATY Sanjayanto Nugroho Sarie, Fatma Sarlawa, Rita Setiawati, Nani Syamsuri Tiawon, Harin Ulfah, Sri Mujiarti Yansyah, Dedi Yudho Saputro, Adityo Zulaika, Tatik