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The Influence of Financial Literacy on Financial Management of UMKM in Palopo City Asriany; Muh. Yusuf Q; Samsul Bachri; Jumawan
IECON: International Economics and Business Conference Vol. 2 No. 2 (2024): International Conference on Economics and Business (IECON-2)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/m7r6yw71

Financial literacy refers to an individual's understanding of financial concepts and their ability to manage finances effectively. For UMKM (Micro, Small, and Medium Enterprises), financial literacy plays a critical role in ensuring sound financial management and long-term business success. This study investigates the impact of financial literacy on the financial management practices of UMKM in Palopo City. The research employs an associative approach and involves a sample of 50 UMKM in Palopo City, using primary data collected through questionnaires. The analysis utilizes simple regression to assess the relationship between financial literacy and financial management. The findings reveal that financial literacy has a positive and significant effect on the financial management of UMKM. This implies that UMKM with higher levels of financial literacy are better equipped to manage their business finances, including budgeting, investment decisions, and resource allocation. The results underscore the importance of improving financial literacy among UMKM operators to enhance their financial decision-making and business performance. These findings highlight the need for targeted financial education programs tailored to UMKM, focusing on practical financial skills and knowledge. Future research could expand the scope by exploring additional factors influencing financial management, such as access to financial services, digital literacy, and entrepreneurial experience.

The Effect of Financial Literacy and Self-Control on Saving Behavior of Students of Muhammadiyah University of Palopo Melisa; Asriany; Andika Rusli
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.6750

This study aims to analyze the influence of financial literacy and self-control on the saving behavior of students at the University of Muhammadiyah Palopo. The type of research conducted in this study is quantitative, by distributing questionnaires online to 97 student respondents. The sampling method used in this study is the purposive sampling technique where the determination of the sample is carried out with special considerations. The data used in this study are primary data, taken from respondents using questionnaires. The data analysis method in this study is multiple linear regression using the SPSS 26 application. The results of the t-test show that financial literacy has a significant influence on saving behavior and self-control has a significant influence on saving behavior. The results of the F test show that there is an influence between the independent variables of Financial Literacy and Self-Control simultaneously on the dependent variable of Saving Behavior.

DESAIN SISTEM INFORMASI PEMASARAN BERBASIS WEB PADA USAHA KERAJINAN ANYAMAN BAMBU CENRAPOLE DI KABUPATEN BARRU Tien, Sari; Arifah; Asriany
JOURNAL VISION TECHNOLOGY (V-TECH) Vol. 7 No. 1 (2024): JOURNAL V-TECH (VISION TECHNOLOGY)
Publisher : LPPM Universitas Adiwangsa Jambi

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Along with the increasingly rapid development of technology and information, one of the ways used to disseminate information is by using websites. In marketing products such as woven bamboo, websites can be used to convey information about the products you want to market. The aim of this research is to create a web-based marketing information system design for the Cenrapole bamboo woven craft business. The method used in this research is using the SDLC method with a system design using the Unified Modeling Language (UML). The result of this research is a web application design that can be used online to market Cenrapole Bamboo Woven products in Barru Regency Keywords: Bamboo woven, SDLC, Information system, Web

Evaluasi Partisipasi Masyarakat dalam Penggunaan GPS (Kasus: Pengambilan Titik Koordinat Bambu di Desa Patanyamang): Evaluation of Community Participation in the Use of GPS (Case: Taking Bamboo Coordinate Points in Patanyamang Village) Mukhlisa, Andi Nurul; Mirnawati; Asriany
Jurnal Forest Island Vol 3 No 2 (2025): Jurnal Forest Island, Mei 2025
Publisher : Prodi Kehutanan Universitas Khairun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33387/foris.v3i2.366

Patanyamang Village, located in Camba District, South Sulawesi, is an area with a high potential for landslide risks. One of the disaster mitigation efforts carried out is mapping the distribution of bamboo plants as soil-retaining vegetation. This activity was conducted through a community empowerment approach with the Forest Farmers Group (KTH) in Patanyamang, utilizing Global Positioning System (GPS) technology. The GPS introduction training was led by practitioners from Bantimurung Bulusaraung National Park, followed by bamboo coordinate data collection involving local community members.The activity was divided into three groups based on hamlets, namely Mangai Hamlet, Bontotanga Hamlet, and Laelbata Hamlet. Each group was trained to use GPS devices to identify bamboo locations in their respective areas. The data collection results showed that the Mangai Hamlet group obtained 17 coordinate points, the Bontotanga Hamlet group obtained 8 points, and the Laelbata Hamlet group obtained 13 points. The use of GPS technology proved effective in mapping the distribution of bamboo, serving as an initial step in landslide disaster mitigation in the area. However, these coordinate points only reflect bamboo locations that are directly accessible. To acquire a more comprehensive distribution dataset, further analysis using satellite imagery or remote sensing is required. This activity provided benefits in enhancing the community’s capacity, especially in GPS technology utilization, and raised awareness of the importance of bamboo conservation as part of disaster mitigation efforts. Keywords: GPS Mapping, Bam

Pengaruh Literasi Keuangan dan Inklusi Keuangan terhadap Keputusan Investasi Mahasiswa Universitas Muhammadiyah Palopo Hildawati Nurdin; Asriany; Jumawan
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 9 (2025): 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.v7i9.9140

The purpose of this study is to analyze the impact of financial literacy and financial inclusion on investment behavior. The study uses a quantitative method approach, with a population of 160 and a sample of 62 respondents taken from the Slovin formula. Data was collected through questionnaires and analysis using validity tests, reliability tests, multiple linear regression analysis results, T tests, F tests, R2 tests. Shows that investment, but financial inclusion has a significant influence on investment decisions, and financial education and financial inclusion simultaneously have a significant influence on investment decisions.

Impact of Financial Literacy, Lifestyle, and Paylater Use on Students’ Financial Planning Nur Anissah Barim; Asriany; Sahrir
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 4 (2025): Agustus - Oktober
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i4.1791

The development of digital financial services such as paylater is increasingly being used by students, but this is often not balanced with adequate financial literacy and wise lifestyle management. This condition has the potential to cause personal financial problems and disrupt students' financial planning. This study aims to analyze the influence of financial literacy, lifestyle, and paylater usage decisions on the financial planning of students at Andi Djemma University in Palopo City. This study uses a quantitative method with total sampling technique on 95 respondents, as well as multiple linear regression analysis using SPSS software. The results show that financial literacy has a significant positive effect on financial planning, while lifestyle and paylater usage do not have a significant effect. Simultaneously, the three variables have a significant effect with a contribution of 43.9%. These findings emphasize the importance of financial literacy as a major factor in supporting students' financial planning.

The Effect of Financial Literacy and Self-Control on Saving Behavior of Students of Muhammadiyah University of Palopo Melisa; Asriany; Andika Rusli
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.6750

This study aims to analyze the influence of financial literacy and self-control on the saving behavior of students at the University of Muhammadiyah Palopo. The type of research conducted in this study is quantitative, by distributing questionnaires online to 97 student respondents. The sampling method used in this study is the purposive sampling technique where the determination of the sample is carried out with special considerations. The data used in this study are primary data, taken from respondents using questionnaires. The data analysis method in this study is multiple linear regression using the SPSS 26 application. The results of the t-test show that financial literacy has a significant influence on saving behavior and self-control has a significant influence on saving behavior. The results of the F test show that there is an influence between the independent variables of Financial Literacy and Self-Control simultaneously on the dependent variable of Saving Behavior.

PENGARUH MEDIA SOSIAL TERHADAP PENGAMBILAN KEPUTUSAN INVESTASI GENERASI MILENIAL MELALUI FEAR OF MISSING OUT Salaming, Nadillah; Jumawan Jasman; Asriany
Journal of Economic, Public, and Accounting (JEPA) Vol 7 No 2 (2025): Volume 7, No 2, April 2025,
Publisher : Universitas Sulawesi Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31605/jepa.v7i2.4854

Internet telah menjadi bagaian tak terpisahkan dari kehidupan masyarakat modern, terutama bagi generasi milenial yang tumbuh dengan teknologi yang canggih. Perkembangan teknologi digital telah membawa perubahan besar pada generasi milenial, mereka sering memanfaatkan platfrom digital untuk memperoleh informasi terkait trik dan tips investasi melalui media sosial, untuk membantu mengambil keputusan investasi. Dengan melakukan investasi dapat membangun kehidupan dimasa depan. Penelitian ini menggunakan pendekatan kuantitatif dengan tujuan menguji hubungan antar variabel. Penelitian dilaksanakan di Luwu Utara, data dikumpulkan melalui distribusi kuesioner elektronik yang disebarkan menggunakan Google Form. Teknik pengumpulan data yang digunakan adalah purposive sampling dengan kriteria sampel. Pengujian hipotesis dalam penelitian ini menggunakan metode Structural Equation Model (SEM) dengan aplikasi SmartPls. Hasil penelitian ini menunjukkan bahwa media sosial memiliki pengaruh terhadap keputusan investasi generasi milenial di Luwu Utara, Selain itu media sosial juga memiliki pengaruh terhadap fear of missing out dan fear of missing out memiliki pengaruh terhadap keputusan investasi secara parsial. Sedangkan media sosial memiliki pengaruh terhadap keputusan investasi generasi milenial yang dimediasi oleh fear of missing out.

Shopping Lifestyle As A Moderating Variable Of The Influence Of Hedonic Shopping Value On Impulse Buying Sulistyo Budi Utomo; Rudy Irwansyah; Asriany; Dikky Mooy; Risca Kurnia Sari
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8557

This study aims to analyze and test the role of Shoppng Lifestyle variables as moderating variables in strengthening or weakening the influence of Hedonic Shopping Value (HSV) on Impulsive Buying (IB). Impulsive buying is a consumer behavior phenomenon characterized by lack of planning, quick decisions, and strong emotional drives, which often have significant financial consequences, especially in the context of e-commerce and stimulation-rich retail environments. Previous research has confirmed that hedonic value, namely the aspects of pleasure, excitement, and fantasy obtained from the shopping process, is a strong predictor of impulsive tendencies . However, the magnitude of this influence is believed not to be universal, but rather depends on the individual context, one of which is the internalized consumption pattern, namely shopping lifestyle. This study adopts the StimulusOrganismResponse (S-O-R) framework, where HSV serves as an internal stimulus (O) that triggers an impulsive buying response (R), and this interaction is moderated by shopping lifestyle. This study employed a quantitative design with a survey of active online shoppers in Indonesia. The target population was individuals with moderate to high levels of hedonic consumption. The analytical technique used was Moderated Regression Analysis (MRA) to test the moderation hypothesis. It is hoped that the findings of this study will provide theoretical contributions by validating shopppng lifestyle as an important contextual variable in consumer behavior models and provide practical implications for retailers in designing marketing strategies that target consumers based on their lifestyle profiles.

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