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Financial Attitude, Financial Knowledge, and Income on Muhammadiyah University of Gresik’s Management Students’ Financial Behavior Anggraini, Novita; Santoso, Rahmat Agus; Handayani, Anita; Rizqi, Maulidyah Amalina
Interdisciplinary Social Studies Vol. 1 No. 6 (2022): Special Issue
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/iss.v1i6.150

Abstract

Financial behavior is the ability to manage, plan, budget, manage, and save money in life. The results of the pre-survey conducted by researchers showed that university of Muhammadiyah Gresik management students in 2018-2020 were still unable to manage finances properly. This research aims to find out the influence of Financial Attitude, Financial Knowledge, and Income on Financial Behavior on University of Muhammadiyah Gresik Management Students. The research method used quantitative research methods with a sample of 257 respondents. The data obtained is analyzed with multiple linear regression analysis techniques using the SPSS 20 program. The results showed that financial attitude has a positive and significant effect on financial behavior, financial knowledge has a positive and significant effect on financial behavior, and income has a positive and significant effect on financial behavior.
Financial Behavior and Knowledge, and Parents’ Education and Revenue on Management Students’ Financial Behavior Sari, Meyristiana; Santoso, Rahmat Agus; Handayani, Anita; Reviandani, Wasti
Interdisciplinary Social Studies Vol. 1 No. 6 (2022): Special Issue
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/iss.v1i6.152

Abstract

Financial behavior is the study of how psychological phenomena affect financial behavior. This financial behavior can be influenced by several factors including financial attitude, financial knowledge, and income. However, there are other factors that can influence financial behavior such as parental education. This research aims to find out the influence of Financial Attitudes, Financial Knowledge, Parental  Education, and, Parental  Income on Financial  Behavior in Management Students of the Muhammadiyah University of Gresik. The research method uses quantitative research methods with a sample of 159 respondents.  The data obtained is analyzed with multiple linear regression analysis techniques using the SPSS 25 program.  The results showed that financial attitudes have a positive effect on financial behavior, financial knowledge has a positive effect on attitude-behavior, parental education has a positive effect on behavior and parental income positively affects financial behavior.
Pengaruh Online Customer Review, Fear of Missing Out, dan Influencer Marketing terhadap Keputusan Pembelian Produk Glad2Glow pada platform Tiktokshop by Tokopedia Putri Rahmah Sari; Anita Handayani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2073

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Online Customer Review, Fear of Missing Out, dan Influencer Marketing terhadap Keputusan Pembelian produk brand Glad2glow pada Generasi Z di Kota Gresik dalam ekosistem hybrid TikTokshop by Tokopedia. Metode pene;litian menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada 150 responden yang merupakan pengguna aktif aplikasi Tiktok. Hasil penelitian menunjukkan bahwa secara simultan, Online Customer Review (X1), Fear Of Missing Out (X2), dan Influencer Marketing (X3) berpengaruh signifikan terhadap Keputusan Pembelian (Y). Secara parsial, Fear of Missing Out (X2) dan Influencer Marketing (X3) terbukti memiliki pengaruh positif dan signifikan terhadap Keputusan Pembelian. Sementara itu, Online Customer Review (X1) menunjukkan pengaruh positif yang tidak signifikan terhadap Keputusan Pembelian. Penelitian ini menegaskan bahwa kombinasi strategi pemasaran yang memanfaatkan kecemasan sosial dan otoritas digital adalah faktor kunci dalam menciptakan keputusan pembelian di lingkungan platform TikTokshop by Tokopedia.
Analisis Pengendalian Piutang pada PT. DEF di Gresik Ririn Nur Aini Safitri; Anita Handayani
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.v8i1.1003

Abstract

PT. DEF is a construction services company that implements cash and credit sales. In credit sales will generate receivables as a result. This research is motivated by the high number of bad debts in the company, which has a negative impact on cash flow and profitability. The purpose of this study is to identify the factors that cause bad debts and to evaluate the accounts receivable control system implemented by PT. This research uses a qualitative method with a case study approach. The types of data used are primary data and secondary data. Data collection techniques through observation, interviews, and documentation. The results showed that uncollectible receivables at PT. DEF were caused by a lack of assessment of the debtor's eligibility, the debtor's business failure and the debtor's bad intention not to repay the debt. This research concludes that PT. DEF needs to strengthen the assessment of debtors' creditworthiness regarding their payment history and financial ability to repay their debts.
Prediksi Financial Distress menggunakan Metode Altman Z-Score Modifikasi pada Anak Perusahaan PT XYZ yang Melakukan Impor Tahun 2020-2024 Nastiti Putri Pertiwi; Anita Handayani
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.v8i2.1124

Abstract

This study predicts the financial condition of PT XYZ's subsidiaries, particularly those engaged in import activities, in the 2020-2025 period. The phenomenon of exchange rate fluctuations has more or less affected the company's performance in both the short and long term. This study aims to identify the company's financial health before the potential for bankruptcy arises. Using a quantitative approach with descriptive methods, this study collected data through interviews and documentation. The object of the study was the annual financial report of PT YKP for the 2020-2025 period. The data analysis tool used Microsoft Excel with the Modified Altman Z-Score formula model that uses 4 (four) financial ratios, namely the Working Capital to Total Assets Ratio, the Retained Earnings to Total Assets Ratio, the Earnings Before Interest and Tax to Total Assets Ratio, and the Equity to Total Liabilities Ratio. The calculation results will show the category of the company being in a safe condition, a gray zone, and in a difficult condition. The results of the study indicate that in the past year, namely in 2024, the company's financial condition has decreased and the Z-Score of PT XYZ's subsidiaries that carry out imports is in the gray zone.
bahasa inggris Irma, Dwi Adisa; Handayani, Anita
Distribusi - Journal of Management and Business Vol. 14 No. 1 (2026): Distribusi, March 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v14i1.692

Abstract

This study aims to examine the effect of e-wallet usage, financial literacy, and consumptive lifestyle on the financial management of Generation Z in Gresik Regency, East Java. The rapid development of digital financial technology has encouraged the increasing use of e-wallets among young people, especially Generation Z, which may influence their financial behavior and management practices. This research employed a quantitative approach using a survey method. The data were collected from 180 respondents who are Generation Z and active users of e-wallets. The sampling technique used in this study was purposive sampling. Furthermore, the collected data were analyzed using the Statistical Package for the Social Sciences (SPSS) to test the relationships between the research variables. The results of this study indicate that e-wallet usage, financial literacy, and consumptive lifestyle have a significant effect on the financial management of Generation Z. These findings suggest that the increasing use of digital payment systems, supported by adequate financial knowledge, can influence how individuals manage their personal finances. However, a high level of consumptive lifestyle may also affect financial decision-making. This study implies the importance of promoting wise use of e-wallets, improving financial literacy, and controlling consumptive lifestyles in order to support better and more effective personal financial management among Generation Z
PENGARUH LITERASI KEUANGAN, GAYA HIDUP DAN UANG SAKU TERHADAP PERILAKU KEUANGAN MAHASISWA DI UNIVERSITAS MUHAMMADIYAH GRESIK Faqqihatut Toyyibah; Anita Handayani
MANAJEMEN DEWANTARA Vol 10 No 2 (2026): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v10i1.21974

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and pocket money on the financial behavior of students in the Faculty of Economics and Business at Muhammadiyah University of Gresik. The research method used in this study was a deductive quantitative method with a sample of 169 students. The data analysis technique used was multiple linear regression analysis using the SPSS version 25 analysis tool. The results of the study showed that financial literacy had a significant positive effect on financial behavior, lifestyle had a positive but insignificant effect on financial behavior, and pocket money had a significant positive effect on financial behavior
Pengaruh Financial Literacy, Consumptive Behavior, Dan Self-Control Terhadap Penggunaan Shopee Paylater Pada Generasi Z Esa Safrillah Nur Laila; Anita Handayani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2070

Abstract

Penelitian ini mengkaji pengaruh Financial Literacy, Consumptive Behavior, dan Self-Control terhadap penggunaan Shopee PayLater pada Generasi Z di Kabupaten Gresik. Tujuan penelitian adalah menganalisis pengaruh ketiga variabel tersebut baik secara parsial maupun simultan. Metode penelitian menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada 150 responden yang merupakan pengguna aktif Shopee PayLater. Hasil penelitian menunjukkan bahwa Financial Literacy, Consumptive Behavior, dan Self-Control berpengaruh positif dan signifikan terhadap penggunaan Shopee PayLater. Temuan ini memberikan implikasi penting bagi penguatan edukasi keuangan, pengelolaan perilaku konsumsi, serta peningkatan kesadaran risiko dalam penggunaan layanan keuangan digital.
Pengaruh Financial Literacy, Financial Attitude, dan Lifestyle terhadap Financial Planning pada Generasi Z Afiatul Musrofah; Anita Handayani
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2071

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh financial literacy, financial attitude, dan lifestyle terhadap financial planning pada Generasi Z di Kabupaten Gresik. Penelitian menggunakan pendekatan kuantitatif dengan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa financial literacy berpengaruh signifikan terhadap financial planning, financial attitude tidak berpengaruh signifikan terhadap financial planning, dan lifestyle berpengaruh signifikan terhadap financial planning. Ketiga variabel tersebut secara bersama-sama terbukti mempengaruhi perencanaan keuangan. Temuan ini menegaskan bahwa kemampuan memahami keuangan serta pengelolaan gaya hidup merupakan faktor dominan dalam membentuk perencanaan keuangan Generasi Z, sedangkan sikap keuangan belum memberikan kontribusi nyata.
OPTIMALISASI PENGELOLAAN KEUANGAN PRIBADI SISWA MELALUI PEMANFAATAN INOVASI DIGITAL DAN FINANCIAL TECHNOLOGY Vilantika, Elok; Handayani, Anita
Studi Kasus Inovasi Ekonomi Vol. 10 No. 01 (2026)
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/skie.v10i01.44507

Abstract

Perkembangan teknologi digital telah mendorong meningkatnya akses remaja terhadap layanan keuangan berbasis digital, seperti dompet elektronik, mobile banking, dan layanan paylater. Namun, kemudahan tersebut belum diimbangi dengan tingkat literasi keuangan yang memadai, sehingga berpotensi menimbulkan perilaku konsumtif dan risiko finansial. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi keuangan digital siswa SMA melalui edukasi dan pelatihan pengelolaan keuangan pribadi berbasis inovasi teknologi finansial. Kegiatan dilaksanakan di salah satu sekolah swasta yang berada di Gresik dengan melibatkan 50 siswa sebagai responden, menggunakan metode one-day service yang mencakup ceramah interaktif, workshop praktik, studi kasus, permainan edukasi, serta evaluasi melalui pre-test dan post-test.Hasil kegiatan menunjukkan adanya peningkatan signifikan tingkat literasi keuangan siswa. Nilai rata-rata pre-test sebesar 56,4 meningkat menjadi 82,1 pada post-test. Selain itu, sebanyak 78% siswa mulai menerapkan pencatatan keuangan sederhana, 72% mampu menyusun anggaran pribadi, dan 68% menunjukkan penurunan kecenderungan perilaku konsumtif impulsif. Siswa juga menunjukkan peningkatan pemahaman terhadap risiko layanan fintech, khususnya terkait paylater dan keamanan transaksi digital. Kegiatan ini membuktikan bahwa pendekatan edukatif dan praktis mampu meningkatkan pemahaman serta membentuk kebiasaan finansial yang lebih sehat pada siswa SMA. Literasi keuangan digital perlu terus dikembangkan melalui pendampingan berkelanjutan dan integrasi dalam lingkungan pendidikan sebagai upaya menyiapkan generasi muda yang cakap dan bijak secara finansial di era digital.
Co-Authors Achmad Davis Endy Pratama Afiatul Musrofah Afifah, Muhimah Agatha, Talitha Hardiyan Ainul Farodisah Aisyatu Rahma Hayati Akhilah Putri Fariyanah Fadiya Hayyah Alkusani, Alkusani Alwiyatun Nisa' Amelia, Imaniar Rizka Amilia Fajrin Ana Malikah Syarifatin Andi Rahmad Rahim Anggi Anjarsari, Tania Anis Zulia Sasmita Anissah Septyaningrum Arifana, Cindy Dwi Ariska Isnaini Putri Arya Setya Nugroho Asiamufidiawati, Isnaeni Dyah Atikotul Fauziyah Ayu rahmawati, Nanda Bagas Agung Prasetyo Bagas Hanggara Bahrul Ulum Baitaputra, Moh. Holil Bela Rozalia Bella Ayu Puspita Ningrum Bella Mey Frastista Bilqis Tahta Maulida Candraningrat, Candraningrat Chalimatus Sakdiyah Deni Yuliatin Dina Dodi Jaya Wardana Eka Martha Yuliatin Ernawati Ernawati Ery Tri Djatmika RWW Esa Safrillah Nur Laila Fansori, Rosihan Faqqihatut Toyyibah Fara Rifdah Faridatul Ulla Fatimatuz Zahroh Fazlur Rahman Rahawarin Firda Dwi Azzaroh Firdaus, Achmad Zuhaeri Frastista, Bella Mey Haq, Assyifa Nurul Hasan Hayati Sivak Hikmatus Shobri Nafi’ah Ilham Gresnaidi Ilmia Rahmawati Indah Ayu Isnawati Irma, Dwi Adisa Irmaya Tri Hartanti Jaya Agus Prastyo Jayanti Tri Handayani Jessica Novia Farhen Khakimah, Okky Aliyatul Khusnul Fajriyah Kurnia Dwi Immamah Leriana Trias Handayani Maya Fita Suwahyuni Mei Fita Asri Untari Mohammad Ali Masruri Moyang Waristi Mufidah, Khazimatul Muhammad Syahrurramanda Ramanda Muid.N, Abd.Muid.N Naabilah Surrohmawati Nafisah Zahrotun Nanda Amalia Nastiti Putri Pertiwi Nazma alaika silma Niswatul Azifah Novita Anggraini Nur Fauziyah Pertiwi, Nastiti Putri Puji Handayati Putri Rahmah Sari Rafilah Maulidiya Ahmad Rahawarin, Fazlur Rahman Rahmat Agus Santoso Ramadhanti Dwi Novitasari Rikka Ristilestari Ririn Nur Aini Safitri Rizqi, Maulidyah Amalina Roziana Ainul Hidayati Rukhiyatul Jannah Safitri, Ririn Nur Aini Salma Sari, Meyristiana SATRIYAS ILYAS Shunhaji, Akhmad Siti Fatimah Siti Lestari Sukaris suratman Syarof, Rizalda Anjach Tania Anggi Anjarsari Utami, Wahyu Putri Vaninda Agustina Varomah Wati Vilantika, Elok Viqka Anggraeni Wahju Wardhana Waristi, Moyang Wasti Reviandani Widiharti Widiharti Wilda Fajriyah Yosi Firda Rahmadani Yuyun Istifadah Zamroni Zamroni