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All Journal Jurnal Tirtayasa Ekonomika (Tirtayasa Economica Journal) IJBE (Integrated Journal of Business and Economics) JURNAL MANAJEMEN Penentuan harga obligasi dan teori tingkat bunga JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia) PINISI Discretion Review JEKPEND Jurnal Ekonomi dan Pendidikan Community Development Journal: Jurnal Pengabdian Masyarakat Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Seminar Nasional Pengabdian Kepada Masyarakat NEAR: Jurnal Pengabdian kepada Masyarakat Jurnal Manajemen dan Bisnis Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Manajemen Benefit : Journal of Bussiness, Economics, and Finance Seminar Nasional Hasil Penelitian LP2M UNM Indo-Fintech Intellectuals: Journal of Economics and Business Economos : Jurnal Ekonomi dan Bisnis Ininnawa: Jurnal Pengabdian Masyarakat Jurnal Pengabdian Masyarakat Cross-Border Journal of Business Management Journal Of Sport Education, Coaching, And Health SMART: Jurnal Pengabdian Kepada Masyarakat Jurnal Bersama Ilmu Ekonomi KREATIF: Jurnal Pengabdian Masyarakat Nusantara Harmoni Economics: International Journal of Economics and Accounting
Anwar Anwar
Universitas Negeri Makassar
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THE INFLUENCE OF LIFESTYLE AND FINANCIAL ATTITUDE ON FINANCIAL MANAGEMENT WITH FINANCIAL LITERACY AS A MODERATING VARIABLE A. Nur Habibie Jannah; Tenri Sayu Puspitaningsih Dipoatmodjo; Andi Mustika Amin; Anwar Anwar; Annisa Paramaswary Aslam
Jurnal Manajemen Vol 6, No 2 (2026): August
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jm.v6i2.84780

Abstract

Abstract: By using “financial literacy” as a moderator variable, this study aims to investigate the influence of lifestyle and financial attitudes on financial management among students of the 2023-2024 intake of the Management Study Program, Makassar State University. Using a survey methodology, this study adopted a quantitative approach. Through a purposive sampling technique, 250 respondents were selected to participate in the survey. Partial Least Squares - Structural Equation Modeling (PLS-SEM) using SmartPLS 3 was used to evaluate the data obtained from the questionnaire. The research findings indicate that: (1) a person's lifestyle has a significant negative impact on financial management (β = -0.419; p = 0.000); (2) a person's financial attitude has a positive impact on financial management (β = 0.387; p = 0.000); (3) a person's financial literacy has a positive impact on financial management (β = 0.429; p = 0.000); however, (4) a person's financial literacy does not significantly mitigate the impact of a person's lifestyle or financial attitude on financial management. With an R² score of 0.895, the predictive ability of this model is quite high.”Keywords: Lifestyle, Financial Attitude, Financial Literacy, Financial Management
Pengaruh Financing to Deposit Ratio, Biaya Operasional dan Pendapatan Operasional terhadap Return on Assets pada Bank Umum Syariah di Indonesia Periode 2020-2024. Nur Alya Nanda; Chalid Imran Musa; Annisa Paramaswary Aslam; Anwar Anwar; Abdul Rahman
MANABIS: Jurnal Manajemen dan Bisnis Vol. 5 No. 1 (2026): Maret 2026
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/manabis.v5i1.7069

Abstract

This study aims to analyze the effect of the Financing to Deposit Ratio (FDR) and Operating Expenses to Operating Income (BOPO) on Return on Assets (ROA) in Islamic Commercial Banks in Indonesia. This research employs a quantitative approach using secondary data in the form of annual financial statements of Islamic Commercial Banks registered with the Financial Services Authority (OJK) during the period 2020–2024. The sample consists of 12 Islamic Commercial Banks selected using purposive sampling based on data availability and completeness. Data were analyzed using panel data regression with the assistance of Eviews 13. Model selection was conducted through the Chow test, Hausman test, and Lagrange Multiplier test. The results show that the Financing to Deposit Ratio (FDR) has a significant effect on Return on Assets (ROA), indicating that banks’ ability to manage financing distribution plays an important role in determining asset performance. In addition, Operating Expenses to Operating Income (BOPO) is also proven to have a significant effect on Return on Assets (ROA), suggesting that the management of operational activities contributes substantially to banks’ financial performance. Overall, these findings support agency theory, which states that managerial performance as an agent in managing funds and operational activities has a direct impact on the achievement of banks’ financial performance.
Co-Authors A. Nur Habibie Jannah Abd. Muis Dilla Abdul Rahman Abdul Rahman Agung Widhi Kurniawan Ahmad Raihan Al Bustani Ahmad Rum Aldi Alwi Amiruddin Tawe Amiruddin Tawe Andi Bintang Maulana A Andi Mustika Andi Mustika Amin Annisa Awaliyah Ridwan Anwar Ramli Arhan Tri Putra Aslam, Annisa Paramaswary Aulia Nurul Izmi Basri Bado Burhanuddin Burhanuddin Chalid Imran Musa Chalid Imran Musa Deddy Ibrahim Rauf Dwi Anugerah Lestari Musa Fitriani Rahim Gufrana Gufrana Hardianti Hardianti Hety Budianty Hety Budiyanti Ilma Wulansari Hasdiansa Inanna Irawati Irawati Khaidir Syahrul M. Ikhwan Maulana Haeruddin Marsena Limbong Muhammad Idris Muhammad Rijal Alim Rahmat Muhammad Syafri Muis Dilla Munadhir Munadhir Musfirah Mustika Amin Nur Alya Nanda Nur Athifah Wahyuningsih Nur Haliza Nurbayani Nurbayani Nurfadilla Ayu Sandira Nurjannah Nurlina Nurlina Nurman Nurman Rahim, Abd Rezky Amalia Hamka Ridfan Rifadly Abadi Riska Yuniarti Romansyah Sahabuddin Sahabuddin Sahabuddin Serly Serly Siti Hasbiah Sitti Hasbiah Stefanie Inggried Gorap sulistiawaty sulis Sun Dewi Putri Syarif Hidayatullah Tenri S P Dipoatmodjo Tenri Sayu Puspitaningsih Dipoatmodjo Trisno Setiawan Usman Usman Wahyu Veriadi Ramadhan Wilda Wilda Windarsari, Wiwin Riski Windi Atriani Yunika Priscilla Yusri Karmila Zainal Ruma