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All Journal JAM : Jurnal Aplikasi Manajemen Jurnal Simki Economic Dynamic Management Journal Jurnal Manajemen dan Bisnis Jurnal Comparative : Ekonomi Dan Bisnis Ektasi : Jurnal Ekonomi, Akutansi dan Organisasi Ulil Albab JURNAL MANAJEMEN DAN BISNIS INDONESIA
Samsuryaningrum, Ira Puspitadewi
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Journal : Jurnal Simki Economic

 1 
Pengaruh Religiusitas, Budaya, Literasi Keuangan dan Lingkungan Sosial terhadap Perilaku Menabung Gen Z Domas, Dai Dito; Setyowati, Trias; Samsuryaningrum, Ira Puspitadewi
Jurnal Simki Economic Vol 8 No 1 (2025): Volume 8 Nomor 1 Tahun 2025
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v8i1.1153

Abstract

This study examines the influence of religiosity, culture, financial literacy, and social environment on the savings behavior of generation Z, with a case study of high school students in Ambulu District. This study is motivated by the high level of consumptiveness in generation Z, which affects savings habits. Data from the Katadata Insight Center (KIC) shows that most generation Z rarely save or separate savings from daily expenses. Based on the Theory of Planned Behavior, this quantitative study collected data through questionnaires distributed to 100 high school students. Data analysis was carried out using multiple linear regression to test the impact of independent variables on savings behavior. The findings show that the level of religiosity, culture, financial literacy, and social context have a significant influence on savings behavior. Religiosity forms financial discipline and responsibility; culture encourages thrift and planning; financial literacy helps decision making; and a supportive social environment encourages interest in saving. This model is able to explain 73.4% of the variation in savings behavior, while the remaining 26.6% is influenced by other factors outside the model, such as personal motivation, education, economic conditions, or other external influences.
Pengaruh Fintech Payment, Lifestyle, dan Lingkungan Kampus terhadap Manajemen Keuangan Pribadi Mahasiswa Universitas Muhammadiyah Jember Putri, Shafa Tamtowi; Satoto, Eko Budi; Samsuryaningrum, Ira Puspitadewi
Jurnal Simki Economic Vol 8 No 2 (2025): Volume 8 Nomor 2 Tahun 2025
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v8i2.1231

Abstract

Personal financial management is a systematic and structured approach to managing various aspects of personal finance. For students, personal financial management includes monitoring income and expenses related to basic needs, including education costs, transportation, food, and other basic needs. Using variables such as fintech payments, lifestyle, and the overall educational environment, this study will examine personal financial management at the University of Muhammadiyah Jember. Overall, 380 people were part of this quantitative study. To analyze the data, SPSS 28 was used along with multiple linear regression. The results of this study indicate that fintech payments, lifestyle and school environment each have a good and significant influence on the personal financial management of students at the University of Muhammadiyah Jember.
Co-Authors Achmad Hasan Hafidzi Ahmad Izzuddin Ali Wafa Azhad, Muhamad Naely Dewi, Gesty Rosita Domas, Dai Dito dwi ayu lestari, dwi ayu Eko Budi Satoto Elfiah, Kutsiatun Nursamsi, Faizal Putri, Shafa Tamtowi Putrisari, Teti Retno Endah Supeni Suharto, Akhmad Thamrin, Mohammad Trias Setyowati, Trias Umamy, Septy Holisa Winahyu, Pawestri Zainudin Hassan