Articles
<![CDATA[The Effect of Financial Literacy and Online Shopping on Student Consumptive Behavior ]]>
<![CDATA[Siti Azsahrah]]>;
<![CDATA[Jumawan Jasman]]>;
<![CDATA[Asriany]]>;
<![CDATA[Muhammad Anugrah Ardhana]]>
<![CDATA[ Jurnal Economic Resource Vol. 6 No. 1 (2023): March-August ]]>
Publisher : <![CDATA[Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia ]]>
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DOI: 10.57178/jer.v6i1.561
<![CDATA[This study aims to determine the effect of financial literacy and online shopping on student consumptive behavior. This research method is quantitative using primary data with survey techniques using an online questionnaire tool on Google form with measurements using a Likert scale with a population of respondents in this study of 85 students of Muhammadiyah University of Palopo. The sample collection technique was carried out using the Slovin Method. The data analysis used was descriptive analysis, multiple linear regression analysis, Validity test, Reliability test, coefficient of determination, hypothesis test and F statistic test. The data analysis technique used was multiple linear regression analysis using the SPSS 25 application. The results showed that the independent variable Financial Literacy had a positive effect on Student Consumptive Behavior. This could be seen at a significant 0.002 <0.05, meaning that there was a positive and significant influence on Student Consumptive Behavior. And the Independent Online Shopping Variable has a positive and significant effect on Student Consumptive Behavior. This can be seen at a significant 0.000 <0.05 meaning that there is a positive and significant influence on student consumptive behavior.]]>
<![CDATA[The Effect of Financial Literacy on Interest in Using Fintech Payments on the Shopee Application ]]>
<![CDATA[Rahayu Rusli]]>;
<![CDATA[Jumawan Jasman]]>;
<![CDATA[Asriany]]>;
<![CDATA[Muhammad Anugrah Ardhana]]>
<![CDATA[ Jurnal Economic Resource Vol. 6 No. 1 (2023): March-August ]]>
Publisher : <![CDATA[Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia ]]>
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DOI: 10.57178/jer.v6i1.563
<![CDATA[This study aims to determine the effect of financial literacy on interest in using fintech payment processors on the Shopee application. The population in this study were students of the Management Study Program, Faculty of Business Economics, Muhammadiyah University of Palopo. With a total sample of 87 respondents obtained using the purposive sampling technique. The processed data is the result of distributing questionnaires online using a Google form with a Likert scale. The data analysis method used is simple linear regression analysis, analysis of the coefficient of determination, and the t test. The results of the study support the conclusion that financial literacy has a significant effect on interest in using fintech payments (PayLater) in the Shopee application.]]>
<![CDATA[PENGARUH SERTIFIKASI KOMPETENSI TERHADAP KINERJA PERUSAHAAN DI PT. PLN (PERSERO) ULTG KOLAKA ]]>
<![CDATA[Iksan Iksan]]>;
<![CDATA[Asriany Asriany]]>;
<![CDATA[Ibrahim Halim]]>
<![CDATA[ JURNAL ILMIAH EDUNOMIKA Vol 8, No 3 (2024): EDUNOMIKA ]]>
Publisher : <![CDATA[ITB AAS Indonesia Surakarta ]]>
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DOI: 10.29040/jie.v8i3.15115
<![CDATA[This study aims to find out how competency certification has an impact on company performance at PT. PLN (Persero) Kolaka Substation Smelter. This study uses a quantitative approach with data collection through questionnaires. The data were analyzed using simple linear regression. This study involved 27 people. The results of the analysis show that the regression coefficient shows a positive relationship between competence and business performance. With a significance value well below the threshold, competency certification has a significant influence on a company's performance, according to a partial test. In addition, the analysis of the F test shows that the regression model is significant overall, indicating that competency certification has a significant influence on the performance of the company simultaneously. Therefore, the company's performance at the Kolaka Smelter Substation PT. PLN (Persero) is greatly influenced by competency certification. Keywords : Competency, Performance Certification.]]>
<![CDATA[Analisis Penggunaan Aplikasi Keuangan & Kontrol Diri Terhadap Literasi Keuangan Mahasiswa ]]>
<![CDATA[Afriana Afriana]]>;
<![CDATA[Asriany Asriany]]>;
<![CDATA[Sari Ratna Dewi]]>
<![CDATA[ JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026 ]]>
Publisher : <![CDATA[Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh ]]>
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DOI: 10.35870/jemsi.v12i1.5727
<![CDATA[This study aims to empirically analyze the effect of financial application usage and self-control on the financial literacy of students at Muhammadiyah University Palopo. The main objective of this study is to determine the extent to which the use of financial technology (financial applications) and students' level of self-control contribute to improving personal financial management skills. The approach used is a quantitative method with a survey technique. The research population consisted of 180 active fifth-semester students, and 64 respondents were selected as samples using probability sampling with the simple random sampling method. Data were collected through an online questionnaire and analyzed using multiple linear regression with the help of SPSS version 25. The results showed that both the use of financial applications and self-control had a significant effect on students' financial literacy, both partially and simultaneously. The self-control variable had a more dominant influence than the use of financial applications, with a joint contribution value (R²) of 50.2%. These findings indicate that students' financial literacy is not only determined by their ability to utilize financial technology but also by internal factors such as their ability to control themselves in managing finances. The results of this study are expected to serve as a basis for educational institutions to strengthen digital-based financial education programs and the formation of students' financial character.]]>
<![CDATA[The Influence of Financial Literacy, Lifestyle and Fintech Usage on The Consumer Behavior of Generation Z in Bajo Subdistrict ]]>
<![CDATA[A. Asmita]]>;
<![CDATA[A. Asriany]]>;
<![CDATA[H. Hapid]]>
<![CDATA[ Golden Ratio of Finance Management Vol. 6 No. 2 (2026): April - September ]]>
Publisher : <![CDATA[Manunggal Halim Jaya ]]>
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DOI: 10.52970/grfm.v6i2.2116
<![CDATA[This study aims to analyze the influence of financial literacy, lifestyle, and fintech usage on consumer behavior among Generation Z in Bajo District. This study employed a quantitative approach involving 96 Generation Z respondents selected through purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS. The findings indicate that financial literacy has a positive and significant effect on consumer behavior among Generation Z. Individuals with higher levels of financial literacy are better able to manage their finances and regulate their spending behavior. Lifestyle also has a positive and significant effect on consumer behavior, indicating that a more consumer-oriented lifestyle increases the tendency to engage in consumption activities. Meanwhile, fintech usage does not have a significant effect on consumer behavior, as most respondents use fintech primarily for general transaction purposes.]]>
<![CDATA[Financial Literacy, Lifestyle, and Financial Behavior Among Generation Z: The Moderating Role of Siri’ Local Wisdom ]]>
<![CDATA[Asriany]]>;
<![CDATA[Rikinorhakis Ridzwan]]>;
<![CDATA[Antong]]>;
<![CDATA[Riyanti]]>;
<![CDATA[Samsul Bachri]]>;
<![CDATA[Andi Jaman]]>
<![CDATA[ Fundamental and Applied Management Journal Vol. 4 No. 2 (2026): June ]]>
Publisher : <![CDATA[Global Research Collaboration ]]>
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DOI: 10.66314/famj.v4i2.897
<![CDATA[This study examines the effects of financial literacy and lifestyle on financial behavior among Generation Z and tests whether Siri’ Culture functions as a cultural moderator. A quantitative correlational design was employed using data from 203 Generation Z respondents domiciled in Palopo City, South Sulawesi, Indonesia. The respondents were selected from the defined Generation Z population and data were collected through a structured questionnaire measured on a five-point Likert scale. The data were analyzed using Structural Equation Modeling–Partial Least Squares with SmartPLS 4.0. The findings reveal that financial literacy has a significant positive effect on financial behavior, indicating that respondents with higher financial knowledge tend to demonstrate more responsible financial management practices. In contrast, lifestyle does not significantly influence financial behavior. Siri’ Culture also does not significantly affect financial behavior either directly or as a moderating variable in the relationships between financial literacy, lifestyle, and financial behavior. These findings indicate that financial literacy remains the strongest determinant of financial behavior in this sample, while the null results for Siri’ Culture suggest that indigenous cultural values may not automatically translate into measurable financial behavior effects unless activated through specific social, educational, or institutional mechanisms. This study contributes to behavioral finance by clarifying the boundary conditions for integrating indigenous cultural values into quantitative financial behavior models.]]>
<![CDATA[Pengaruh Konten Gaya Hidup TikTok, Inklusi Keuangan, Self-Control terhadap Perilaku Konsumtif Gen Z ]]>
<![CDATA[Aprilia Cesar]]>;
<![CDATA[Asriany Asriany]]>;
<![CDATA[Duriani Duriani]]>
<![CDATA[ Jurnal Manajemen Bisnis dan Keuangan Vol 7 No 1 (2026): April 2026 ]]>
Publisher : <![CDATA[https://jurnal.binamandiri.ac.id/ ]]>
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DOI: 10.51805/jmbk.v7i1.494
<![CDATA[This study aims to analyze the influence of TikTok lifestyle content exposure, financial inclusion, and self-control on the consumptive behavior of Gen Z in North Luwu Regency. Utilizing a quantitative approach with purposive sampling, data were collected via surveys from 100 respondents aged 17–28 and analyzed using multiple linear regression with SPSS version 27. The results indicate that exposure to lifestyle content on TikTok has a positive and significant effect on consumptive behavior, whereas self-control has a significant negative effect. Financial inclusion was found to have no significant impact on consumption levels. These findings confirm that TikTok lifestyle content is the most dominant external factor driving consumptive behavior, while self-control acts as a critical internal moderator. This research underscores the importance of digital literacy and the strengthening of self-control to enable Gen Z to manage the influence of social media trends more wisely.]]>
<![CDATA[Pengaruh Literasi Keuangan Dan Inklusi Keuangan Pada Kinerja UMKM ]]>
<![CDATA[Muhammad Adhiva Saputra]]>;
<![CDATA[Asriany Asriany]]>;
<![CDATA[Hafid Hafid]]>
<![CDATA[ Jurnal Ekuilnomi Vol. 8 No. 1 (2026): Ekuilnomi Vol 8(1), Feb 2026 ]]>
Publisher : <![CDATA[Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun ]]>
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DOI: 10.36985/9e8zqr14
<![CDATA[Usaha mikro kecil dan menengah (UMKM) sering menghadapi masalah besar dalam mengelola keuangan mereka, seperti perencanaan anggaran yang buruk, kurangnya pengetahuan tentang tabungan dan investasi, serta kurangnya akses ke layanan keuangan yang memadai.Penting untuk diingat bahwa literasi keuangan membantu pelaku UMKM mengelola keuangan mereka dengan lebih baik, yang pada gilirannya dapat membantu mereka merencanakan masa depan yang lebih baik. Tujuan penelitian ini untuk mengetahui sejauh mana literasi keuangan dan inklusi keuangan dapat memengaruhi kinerja UMKM. Penelitian ini mencakup semua UMKM yang ada di lapangan Pancasila, dengan 30 pekerja UMKM sebagai sampel. Penelitian ini mengumpulkan data melalui kuesioner dengan skala likert. Hasil penelitian ini menemukan bahwa pengetahuan tentang keuangan dan inklusi keuangan berpengaruh secara signifikan secara parsial, dan secara bersamaan, seluruh variabel memiliki pengaruh yang signifikan. Sebaliknya, inklusi keuangan memainkan peran penting dalam memberikan akses kepada pelaku UMKM terhadap pembiayaan, layanan perbankan, dan instrumen keuangan yang mereka butuhkan untuk mengembangkan bisnis mereka]]>
<![CDATA[The Influence of Financial Education and Lifestyle on Personal Financial Management Among Students ]]>
<![CDATA[S. Sriyanti]]>;
<![CDATA[A. Asriany]]>;
<![CDATA[Abid Ramadhan]]>
<![CDATA[ Golden Ratio of Auditing Research Vol. 6 No. 1 (2026): July - January ]]>
Publisher : <![CDATA[Manunggal Halim Jaya ]]>
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DOI: 10.52970/grar.v6i1.1403
<![CDATA[This study aims to analyze the influence of financial education and lifestyle on personal financial management among university students. Unlike previous studies, this research focuses on students of the Sharia Economics Department at the State Islamic Institute of Palopo, Indonesia, examining both variables simultaneously to address inconsistencies in earlier findings. The study employs a quantitative approach, collecting data through the use of questionnaires. The results indicate that financial education has a positive and significant effect on personal financial management, where students with better financial knowledge tend to manage their finances more effectively. Additionally, a well-planned lifestyle also has a positive effect, with students who maintain one demonstrating better financial management. Regression analysis reveals that combining financial education with lifestyle significantly enhances personal financial management. These findings contribute new evidence to the literature by providing empirical results within the context of higher education in Sharia economics and offer practical recommendations for educational institutions to develop comprehensive financial literacy programs and encourage healthy lifestyle habits among students.]]>
<![CDATA[Peran Kapabilitas Keuangan dan Literasi Keuangan Digital Terhadap Perilaku Keuangan Pelaku UMKM di Kota Palopo ]]>
<![CDATA[Muh. Resky Aditya. W]]>;
<![CDATA[Samsul Bachri]]>;
<![CDATA[Asriany Asriany]]>
<![CDATA[ Margin: Jurnal Lentera Managemen Keuangan Vol. 4 No. 02 (2026): Agustus 2026 ]]>
Publisher : <![CDATA[Lentera Ilmu Nusantara ]]>
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DOI: 10.59422/margin.v4i02.1231
<![CDATA[Penelitian ini bertujuan untuk menganalisis pengaruh kapabilitas keuangan dan literasi keuangan digital terhadap perilaku keuangan pelaku UMKM di Kota Palopo. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 130 pelaku UMKM yang dipilih menggunakan teknik accidental sampling. Data diperoleh melalui penyebaran kuesioner secara langsung dan melalui Google Form, kemudian dianalisis menggunakan regresi linear berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa kapabilitas keuangan dan literasi keuangan digital berpengaruh positif dan signifikan terhadap perilaku keuangan, baik secara parsial maupun simultan. Nilai koefisien determinasi menunjukkan bahwa kedua variabel mampu menjelaskan variasi perilaku keuangan pelaku UMKM secara cukup kuat. Temuan ini menegaskan bahwa peningkatan kemampuan pengelolaan keuangan serta pemanfaatan teknologi keuangan digital dapat mendorong perilaku keuangan yang lebih rasional, terencana, dan berkelanjutan. Penelitian ini juga memberikan kontribusi empiris terkait pentingnya penguatan literasi dan kapabilitas keuangan dalam mendukung keberlanjutan UMKM di era ekonomi digital.]]>
