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All Journal JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN JURNAL PENDIDIKAN TAMBUSAI Bikotetik (Bimbingan dan Konseling: Teori dan Praktik) Edunomia : Jurnal Ilmiah Pendidikan Ekonomi Review of Multidisciplinary Education, Culture and Pedagogy (ROMEO) NUSRA: Jurnal Penelitian dan Ilmu Pendidikan Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) TRANSFORMATIONAL LANGUAGE, LITERATURE, AND TECHNOLOGY OVERVIEW IN LEARNING (TRANSTOOL) Jurnal Riset Pendidikan dan Pengajaran (JRPP) SJEE (Scientific Journals of Economic Education) Global Education Journal Jurnal Pengabdian Tri Bhakti Jurnal Pengabdian dan Pemberdayaan Masyarakat Inovatif COSMOS SEMINAR TEKNOLOGI MAJALENGKA (STIMA)
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Pengaruh Literasi Keuangan, Pengendalian Diri dan Teman Sebaya Terhadap Perilaku Konsumtif Pada Generasi Z di Kabupaten Tegal: The Influence of Financial Literacy, Self-Control and Peers on Consumptive Behavior in Generation Z in Tegal Regency Mar'ah, Sakinatul; Gumilar, Gugum; Gumilar, Rendra; Widyaningrum, Bakti
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 2 No 3 (2025): April - Mei
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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Abstract

This study aims to examine the effect of financial literacy, self-control and peers on consumptive behavior in Generation Z in Tegal Regency. A quantitative approach was used in this study with a survey method by distributing questionnaires to 100 respondents using the purposive sampling technique. The data was analyzed using multiple linear regression with the help of SPSS version 22 software. The results showed that financial literacy had no effect on consumptive behavior, with a t-value of 1.478 and a significance of 0.143 (p > 0.05). Self-control has a significant negative effect on consumptive behavior, with a t-value of -2.442 and a significance of 0.016 (p <0.05), which means that the higher the level of self-control, the lower the consumptive behavior. Peers have a positive and significant effect on consumptive behavior with a t-value of 9.705 and a significance of 0.000 (p <0.05), which means that the higher the interaction with peers, the higher the consumptive behavior. The coefficient of determination (R²) is 0.528, indicating that financial literacy, self-control, and peers have an effect of 52.8% on consumptive behavior, while the rest is influenced by other factors outside the research model.
Peningkatan Kemampuan Berpikir Kritis Siswa Melalui Penerapan Model Pembelajaran Kooperatif Tipe Group Investigation Berbantuan Digital Mind Map: Improving Students' Critical Thinking Ability Through the Application of Group Investigation Type Cooperative Learning Model Assisted by Digital Mind Map Deviani, Imas; Gumilar, Gugum; Sadiah, Ati
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 2 No 3 (2025): April - Mei
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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This research is motivated by the problems that occur at SMAN 5 Tasikmalaya, namely the low critical thinking ability of students. The method used is an experimental method with a type of pseudo-experiment, with a research design using a non-equivalent control group design, and data collection techniques through a description test. The population in this study was all class X SMAN 5 Tasikmalaya in the 2024/2025 school year which amounted to 470 students. The sample used was class X-9 which amounted to 34 people as an experimental class and class X-6 which amounted to 35 people as a control class with sampling using nonprobability sampling technique. The purpose of this study was to determine the effect of applying the cooperative learning model of Group Investigation type assisted by Digital Mind Map in improving students' critical thinking skills in economic subjects. Based on the results of the study, it is explained that there is an effect of the application of the cooperative learning model of Group Investigation type assisted by Digital Mind Map on students' critical thinking skills on the material of Financial Institutions in Indonesia, where Ha is accepted if the sig. (2-tailed) value ≤ 0.05 and based on research obtained a sig. (2 tailed) value of 0.000 <0.05. The average score of the experimental class is higher than the control class, thus it can be concluded in this study that the cooperative learning model of Group Investigation type assisted by Digital Mind Map can improve students' critical thinking skills.
Pengaruh Literasi Keuangan terhadap Manajemen Keuangan Pribadi Mahasiswa Rumpun Ekonomi: Effect of Financial Literacy on Personal Financial Management of Economics Group Students Lia, Sena Taliya; Gumilar, Gugum; Sartika, Sri Hardianti
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 2 No 3 (2025): April - Mei
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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Abstract

The issue addressed in this study is the low level of students' ability to manage personal finances. Many students from the Economics cluster at Siliwangi University, particularly those from the 2021 and 2022 cohorts, do not have a monthly budget, do not regularly record their financial transactions, are inconsistent in saving, and experience doom spending behavior due to low financial literacy. This study aims to determine the influence of financial literacy on personal financial management among students. A quantitative approach with a survey method was employed. The population consisted of 2,142 students, and a simple random sampling technique was used to obtain 326 respondents. Data were collected through a questionnaire. The results showed that financial literacy has a significant effect on students' personal financial management.
Co-Authors ., Andriansyah Agung Iriantoro Agus, Agus Rahmat Aisyah, Iis Al Fiqry, Bangga Futra Amelia, Riri Ardianto, Radhika Astri Srigustini Ayuningtyas, Dyah Melita Febryana Bela, Najma Fauzia Betanika Nila Nirbita Deviani, Imas Edi Fitriana Afriza, Edi Fitriana Fadillah, Ahmad Arif Fahiran, Muhammad Nodia Arza Fallah, Rahmi Fauziyah, Diah Nur Firda, Levina Gilang Ramadhan Ikhsan, Iqbal Irvani Kurniawan Kurniawan Kurniawan Lia, Sena Taliya Maman Hilman Mar'ah, Sakinatul Marhamatunnisya, Alfhi Mulya, Todo Mulyawati, Fauzia Munawaroh, Iya Nabila, Alma Nadiyanti, Rani Nurfauziah, Tanti Pratama Ningrat, R. Gamar Puspita, Annisa Eka Putri Lestari, Putri Raden Roro Suci Nurdianti, Raden Roro Suci Ramadhan, Elkhi Seftiarki Ramadhan, Yanuarko Rendra Gumilar, Rendra Rosma, Ayu Sadiah, Ati Sari, Ira Nurmala Septin, M. Dimas Setiawan, Vito Ari Sihotang, Mey A. Solihat, Ai Nur Sopani, Aliza Nelis Sri Dewi Lestari, Sri Dewi Sri Hardianti Sartika, Sri Hardianti Srigustini , Astri Sudarsono, Ignatius Sugandi, Diki kirana Suherti, Heti Suparman, Adytria Suswandi, Alma Ghia Almanazh Wahyudi, Dwi Agung Widyaningrum, Bakti Yoni Hermawan Zabar, Muhamad Abdul Zahra, Hanifa Aulia