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All Journal Infestasi Distribusi Martabe : Jurnal Pengabdian Kepada Masyarakat JURNAL PENDIDIKAN TAMBUSAI Referensi : Jurnal Ilmu Manajemen dan Akuntansi Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Ilmiah Ekonomi Global Masa Kini Jurnal Administrasi dan Manajemen Business Innovation and Entrepreneurship Journal Jurnal EK dan BI JEBDEKER: Jurnal Ekonomi, Manajemen, Akuntansi, Bisnis Digital, Ekonomi Kreatif, Entrepreneur Jurnal Pengabdian Masyarakat: BAKTI KITA Journal of Management Studies and Development Innovative: Journal Of Social Science Research Economica: Journal of Economic and Economic Education Jurnal Pengabdian Masyarakat dan Riset Pendidikan
Agustino, Muhammad Rizqi
Department Of Retail Management, Bojonegoro University, Bojonegoro, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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ANALYSIS OF THE INFLUENCE OF FINANCIAL LITERACY AND LIFESTYLE ON THE PERSONAL FINANCIAL MANAGEMENT OF BOJONEGORO UNIVERSITY STUDENTS Reza Anggapratama; Dwi Irnawati; Kustaji Kustaji; Muhammad Rizqi Agustino; Fauzian Noor; Shofie Shalzabilla Meta Firanka
JURNAL ECONOMICA : Research of Economic And Economic Education Vol 13, No 2 (2025): Economica: Journal Of Economic And Economic Education
Publisher : Economic Education Faculty of Economics and Business Universitas PGRI Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22202/economica.2025.v13.i2.9581

Abstract

This study aims to determine the effect of financial literacy and lifestyle on the personal financial management of Bojonegoro University students, given the low level of financial literacy in Indonesia and the importance of adequate understanding of finance to support economic growth and financial well-being. This study also aims to determine whether financial literacy and lifestyle jointly affect the personal financial management of these students. The research method used is a mixed-method approach using a sample of 100 Bojonegoro University students. Data were collected through the use of questionnaires and interviews. Quantitative data were analyzed using validity, reliability, normality, multicollinearity, heteroscedasticity, t-test, F test, and R test with the help of the SPSS version 21 application. The results showed that financial literacy had a significant effect on the personal financial management of Bojonegoro University students, while lifestyle had no significant effect. In addition, financial literacy and lifestyle together have a significant effect on the personal financial management of these students simultaneously. Financial literacy and lifestyle variables together contribute 34.92% to the personal financial management of Bojonegoro University students.
Influence of BNPL Loans and Consumer Motivation on Youth Consumptive Behavior: Evidence from Pungpungan Village, Bojonegoro Regency, Indonesia Reza Anggapratama; Rina Sulistyowati; Fharhan Hadi Sulthoni; Muhammad Rizqi Agustino; Kustaji; Fauzian Noor
Journal of Management Studies and Development Vol. 5 No. 02 (2026): Journal of Management Studies and Development
Publisher : The Indonesian Institute of Science and Technology Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56741/IISTR.jmsd.001905

Abstract

This study aims to investigate the influence of buy-now-pay-later (BNPL) online loans and consumer motivation on the consumptive behavior of youth in Pungpungan Village, Bojonegoro Regency. The collected data were processed quantitatively.This study adopts a correlational research design to examine the relationships between buy-now-pay-later online loan usage, consumer motivation, and the consumptive behavior of youth in Pungpungan Village, Bojonegoro Regency. The final sample comprises 100 respondents. The results indicate that both Pay Later usage and consumer motivation have a positive and significant effect on the consumptive behavior of youth in Pungpungan Village, both individually and simultaneously. Pay Later usage shows a stronger influence (0.485) compared to consumer motivation (0.208), with the model explaining 31.8% of the variance in consumptive behavior. These findings suggest that the ease of deferred payments combined with high consumer motivation substantially drives impulsive and excessive spending among rural youth. This study extends the literature on consumer behavior by integrating buy-now-pay-later (BNPL) usage and consumer motivation as joint predictors of consumptive behavior in a rural youth context. It offers a novel perspective by highlighting how fintech adoption interacts with psychological drivers to shape spending patterns outside urban settings.
Co-Authors Ana Yuliana Anitasari, Hening Azhari, Azhari Budianto Budianto Citrapati, Mugito DEDI HARTAWAN Dwi Irnawati Edy Suhartono Fadila, Esti Nur Fajri, Mega Barokatul Fharhan Hadi Sulthoni Juwita, Agesti Martha Khalid Fauzi Aziz Kustaji Mugito Mugito Niswah, Syifa’un Noor, Fauzian Nurul Cahyanto, Sulistiyo Pratama, Reza Angga Pratama, Reza Anggara RATNA SARI REGY CITRA PERDANA Reza Anggapratama Rina Sulistyowati Saputra, Muhammad Yoga Aditya Selviana, Sova Shintya Astuti Shofie Shalzabilla Meta Firanka Susilo, Joko Hadi Taufiqqurrachman, Fahrizal Vicky Eka Prasetya YOSART ADI SUYOSO Zulkurniawati Zulkurniawati