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All Journal Trikonomika: Jurnal Ekonomi Jurnal Riset Akuntansi dan Bisnis KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Mirai Management Maneggio: Jurnal Ilmiah Magister Manajemen Dinamisia: Jurnal Pengabdian Kepada Masyarakat SEIKO : Journal of Management & Business NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Journal of Education, Humaniora and Social Sciences (JEHSS) Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum Jurnal Mantik JURNAL MUTIARA AKUNTANSI Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Jurnal Akuntansi EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Jurnal Ekonomi JRAM (Jurnal Riset Akuntansi Multiparadigma) Proceeding International Seminar of Islamic Studies Jurnal Ekonomika Dan Bisnis Journal of International Conference Proceedings Journal Liaison Academia and Society IIJSE Jurnal At-Tabayyun Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Ekonomi, Manajemen, Akuntansi
Widia Astuty
Universitas Muhammadiyah Sumatera Utara
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Journal : Journal of International Conference Proceedings

 1 
Determinants Of Personal Financial Management: Exploring The Mediating Role of Locus of Control Among Multigenerational Caregivers in Medan Wahyuni, Sri Fitri; Sari, Maya; Astuty, Widia; Puji Lestari, Sri; Rifki Hafas, Hafriz
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3978

Abstract

This study investigates the impact of financial literacy, individual spiritual intelligence, peer group, and love of money on personal financial management among the multigenerational caregivers (sandwich generation) in Medan City, with locus of control serving as a mediating factor. Utilizing a quantitative, associative research design, data were gathered from 96 respondents via structured questionnaires and analyzed using Partial Least Squares (PLS). The analysis reveals that both financial literacy and individual spiritual intelligence significantly enhance personal financial management and contribute to a stronger locus of control. Although the peer group exerts a significant influence on locus of control, its direct impact on personal financial management is not statistically significant. In contrast, love of money demonstrates a significant positive effect on personal financial management, while its effect on locus of control remains insignificant. Furthermore, locus of control significantly improves personal financial management and mediates the relationships between the independent variables and financial management practices. The findings underscore the potential of targeted financial education, initiatives to bolster spiritual intelligence, and the cultivation of supportive peer networks to enhance financial management among the sandwich generation.
Financial Management Within Young Workers in East Medan: The Role of Lifestyle, Job Position, and Financial Literacy with Income as a Mediator Lestari, Sri Puji; Sari, Maya; Astuty, Widia; Fitri Wahyuni, Sri
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3979

Abstract

This study aims to examine how individual and socioeconomic factors, namely Lifestyle, Position, and Financial Literacy influence a person’s ability to manage their finances, with a particular focus on the mediating role of Income. Employing a quantitative and explanatory research approach, the study gathered data from 100 respondents and utilized path analysis through the PLS (Partial Least Squares) software to evaluate the relationships among the variables. The analysis reveals that Lifestyle, Position, Financial Literacy, and Income all have a direct and statistically significant effect on Financial Management. Furthermore, Lifestyle, Position, and Financial Literacy each have a notable impact on Income, suggesting their importance in shaping one’s earning potential. Income, in turn, functions as an effective mediator, strengthening the indirect effects of the three independent variables on Financial Management. These findings underscore the importance of financial awareness and personal development, especially for young workers in East Medan City. By enhancing their financial literacy, recognizing the influence of their social and occupational status, and applying intentional strategies in planning, budgeting, monitoring, and securing their finances, they can achieve better financial outcomes and long-term stability.
Co-Authors Afandi Saragi, Zulham Ahmad Irsan Ahmad Zubeir Rangkuti Arfah Lubis Arfis A Ashadi, Riza Asmaul Husna Baihaqqi, Mhd Anggi Br. Panggabean, Inggrit Larasati Desi Sri Pasca Sari Eka Anggaraini Aritonang Eka Nurmala Sari Elly Susanti Fajar Pasaribu Fikri, Rizal Fitri Wahyuni, Sri Gulo, Niperjaya Hafsah Hafsah Hakiki, Dewi Hastuti Olivia Illal Nurhabibah Irfan Irfan, Irfan Julfan Saputra Jumangin Jumangin Khairul Azwar Linda Wahyu Marpaung Lubis, Arfah Maisyarah Salsabila Maya Sari Maya Sari MMSI Irfan ,S. Kom MUIS FAUZI RAMBE Ningsih, Heny Triastuti Kurnia Nova Febriana Nurhikmah Lubis Nuryenda Pinta Tarigan Pane, Yunita Pasaribu, Mhd Hasan Pasaribu, Mhd Husein Puji Lestari, Sri Purnama Sari, Devi Putri Ismayana Radhiyah, Radhiyah Ridho Gilang Adiko Rifki Hafas, Hafriz Rilsha, Rilsha Rima Novita Sari Rizki Arvi Yunita Rizky Agung Syah Putra Rudi Junjungan Sirait Sarwo Edi Sihombing, Lasminar Sijauta, Dominggus Siregar, Ratih Anggraini Siti Aisyah Sri Fitri Wahyuni Sri Prafanti Sri Puji Lestari SRI RAHAYU Sri Rahayu Sri Wahyuni Br Ginting Suginam Sukma Lesmana, Sukma Syafrida Hani Tarihoran, Aswin Hidayat Venny Riza, Fetra Yanti, Amalia Dwi Yeni Pradila Yovi, Muhammad Yusri, Mohd Zainuddin, Zainuddin Zatta Gahassani Hasibuan Zufrizal Zulia Hanum