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All Journal Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Valid Jurnal Pengabdian Kredibel: Jurnal Ilmiah Manajemen ShariaBiz International Journal of Economics and Business
ROSYIA WARDANI
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Studi Tingkat Literasi Keuangan dan Perilaku Konsumtif Mahasiswa serta Pengaruhnya terhadap Pengelolaan Keuangan Pribadi Rosyia Wardani; Sofiati Wardah; Rusdi; Syaiful Amri
Jurnal Akuntansi dan Keuangan Syariah - ALIANSI Vol. 8 No. 2 (2025): Jurnal Akuntansi dan Keuangan Syariah - ALIANSI
Publisher : Akuntansi research UGR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54712/aliansi.v8i2.418

Abstract

This study examines the influence of financial literacy and consumptive behavior on the personal financial management of students at STIE AMM Mataram. Using a quantitative causal-associative approach, the research surveyed 151 respondents selected from a population of 242 students through proportionate stratified random sampling. Data were collected using a Likert-scale questionnaire and analyzed with multiple linear regression. The results show that financial literacy does not have a significant effect on personal financial management, indicating that students' financial knowledge has not been fully translated into daily financial practices. Conversely, consumptive behavior has a significant and dominant influence, demonstrating that lifestyle-driven spending, peer pressure, and digital financial access strongly shape students’ financial habits. Simultaneously, financial literacy and consumptive behavior significantly affect personal financial management, with a combined contribution of 57.5%. These findings highlight that students’ financial management challenges are more behavioral than cognitive, emphasizing the need for practical financial education, stronger self-control, and awareness of digital financial risks. The study implies that higher education institutions should develop programs focusing on budgeting skills, digital finance awareness, and responsible consumption to improve students' financial well-being.
Pendampingan Pengembangan Produk Dan Strategi Pemasaran Kopi Manggis Sebagai Produk Unggulan UMKM Lombok Putri Reno Kemala sari; I Nengah Arsana; Rusdi; Rosyia Wardani; Syaiful Amri; Elvina Setiawati
Valid Jurnal Pengabdian Vol. 4 No. 1 (2026): Vol. 4 No. 1 Januari 2026
Publisher : Lembaga Pengembangan, Penelitian dan Pengabdian Kepada Masyarakat Sekolah Tinggi Ilmu Ekonomi AMM

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Abstract

This community service activity aims to enhance the competitiveness of Lombok's SMEs thru intensive business consultations in developing innovative product marketing strategies. The service partner is an MSME actor who develops mangosteen coffee products as a combination of two regional flagship commodities. The methods used include intensive business consultations, assistance in developing marketing strategies, and strengthening branding. The results of the activities show that the partners successfully understood the product positioning in the market, were able to design marketing strategies that align with the target consumers, and had a clear business roadmap for business development. The mangosteen coffee product produced has a unique quality as an innovative product based on local wisdom with promising market potential.
Co-Authors Astini, Yuli Baiq Deria Ayuning Fatika Baiq Desthania Prathama Baiq Ertin Helmida Deninda Putri Ardita Dina Salsabilla Eka Safitri Elvina Setiawati Fariantin, Erviva Galuh Ratna Mutia Hekmatyar Alwi Hikmah Hj. Erviva Fariantin I Nengah Arsana Ida Ayu Nursanty M. Wahyullah Muhammad Alamsyah Nizar Hamdi Oktaviana Dinistri Opil Krismantara Putri Reno Kemala Sari RR Mauryta Angkasa Putri Rusdi Satriawan Sofiati Wardah Sopian Saori Syaiful Amri Ulfiyani Asdiansyuri Verdi Vina Arwa Pertiwi Yusi Faizathul Octavia Zulkarnaen