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All Journal JIM UPB (Jurnal Ilmiah Manajemen Universitas Putera Batam) NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Jurnal Akuntansi Barelang Economics and Digital Business Review Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Jurnal Pengabdian Cendikia Nusantara SCIENTIA JOURNAL : Jurnal Ilmiah Mahasiswa Prosiding Seminar Nasional Ilmu Sosial dan Teknologi (SNISTEK)
Azmiana, Risca
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences Other

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Peran Financial Technology, Literasi Keuangan, dan Sikap Keuangan pada Kinerja UMKM Kota Batam Veryani, Ratna; Azmiana, Risca
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i3.11386

Abstract

the research investigates the influence of financial technology and financial activities on the business resilience of MSMEs in urban Batam. The study is motivated by the existing disparities in fintech adoption, financial literacy, and financial behavior among small business owners, which are critical determinants of organizational outcomes. Adopting a quantitative framework, a survey was conducted involving 187 local enterprises across the Batam Kota and Lubuk Baja districts. Primary data were collected via digital questionnaires and analyzed using a multiple linear regression model, facilitated by SPSS software. The empirical results domenstrate that financial technology, financial literacy, and financial attitudes exert a significant posititve impact on MSME performance, both individually (partially) and collectively (simultaneously). Specifically, financial technology emerged ad the most influential driver, followed by financial behavior and literacy. The coefficient of determination confirms that these three variables explain a substantial portion of the variance in business performance. Ultimately, this study validates that MSME growth is not the product of a single isolated factor but rather the result of a synergy between technological integration and robust financial competence. Consequentlu, strengthening both technological and financial dimensions is a vital strategy for ensuring the long-term sustainability and performance of the MSME sector.
Pengaruh Financial Knowledge, Financial Attitude, dan Self-Control terhadap Financial Management Behavior Mahasiswa di Kota Batam Winny, Winny; Azmiana, Risca
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11375

Abstract

Financial management behavior reflects an individual's ability to manage personal finances through planning, monitoring, and evaluating the use of funds. For students, this skill is very important because they begin to manage their finances independently with limited income. This study aims to analyze the influence of financial knowledge, financial attitudes, and self-control on the financial management behavior of accounting students in Batam City.The method used is a quantitative approach with primary data from a structured questionnaire, analyzed through multiple linear regression. The results show that financial knowledge has a significant effect, so students with a good understanding are more effective at managing their finances. Financial attitudes are also significant, where positive attitudes encourage better planning and control.In addition, self-control has a significant effect because it helps regulate spending and maintain consistency in financial plans. Overall, these three variables are proven to significantly influence students' financial management behavior.
Co-Authors Berry Chin Chay, Jimmy , Chang Efriyenti, Dian Efriyenty, Dian Haldy, Muhammad Hikmah Hikmah Huang, Maries L. Tobing, Vargo Christian MARTUA YEHEZKIEL LUMBAN TOBING, RIDHO Mulawarman Poniman Poniman Prima , Argo Putra Prima, Argo Putra Rustam, Triana Ananda Selvia Selvia Simatupang, Eva Malina Tan, Elissa Tobing , Vargo Christian L. Veryani, Ratna Wangdra, Ronald Wasiman, Wasiman Winny, Winny Yang, Vincent Yuliani, Dwi Erna ZALUKHU, AGUSLINA