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All Journal JSEH (Jurnal Sosial Ekonomi dan Humaniora) Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Dinamika Ekonomi - Jurnal Ekonomi dan Bisnis JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) SENTRALISASI At-Tawassuth: Jurnal Ekonomi Islam Journal on Education Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Syarikat : Jurnal Rumpun Ekonomi Syariah Saliha : Jurnal Pendidikan dan Agama Islam Jurnal Manajerial Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Journal of Management and Business Innovations Al-Kharaj: Journal of Islamic Economic and Business Jurnal Asy-Syukriyyah Jurnal Pengabdian kepada Masyarakat Nusantara Al Mashaadir : Jurnal Ilmu Syariah Jurnal Interprof Jurnal Investasi Islam el-Amwal International Journal Of Economics Social And Technology Journal of Management, Economic and Accounting (JMEA) Indonesian Journal of Islamic Economics and Finance Jurnal Ekonomika Manajemen Dan Bisnis International Journal of Management and Business Economics Journal of Islamic Economics and Finance Jurnal Asy-Syukriyyah Economic: Journal Economic and Business Economic Education Analysis Journal Jurnal Ekonomi, Manajemen, Akuntansi LAN TABUR: JURNAL EKONOMI SYARIAH Urwatul Wutsqo : Jurnal Studi Kependidikan dan Keislaman Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
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Journal : sentralisasi

The Influence of Self-Control, Income, and Financial Management Behavior on the Financial Well-Being of Scholarship Recipients at UINSU Wulandari Wulandari; Tri Inda Fadhila Rahma; Faisal Umardani Hasibuan
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5537

Abstract

This study aims to assess how self-discipline, earnings, and financial management strategies affect the financial wellness of scholarship recipients at UIN Sumatera Utara. A quantitative approach is utilized, applying multiple linear regression for data evaluation with the help of SPSS 27. Information is collected using an online survey administered via Google Forms, focusing on a group of 86 scholarship recipients at UIN North Sumatera. The results indicate that self-discipline positively influences financial wellness, earnings also positively contribute to financial wellness, and financial management behavior positively affects financial wellness as well. In combination, self-discipline, earnings, and financial management strategies have a significant impact on financial wellness. This research underscores the significance of individual discipline, financial resources, and sound management strategies as key elements for enhancing financial wellness. 
The Effectiveness of Human Resource Management Strategies in Increasing Employee Loyalty at PT Valbury Asia Futures Medan Branch Nadia Sari Situmorang; Sri Ramadhani; Tri Inda Fadhila Rahma
SENTRALISASI Vol. 15 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i3.5847

Abstract

This study aims to analyze the effectiveness of human resource management (HRM) strategies in improving employee loyalty at PT Valbury Asia Futures Medan Branch. A qualitative descriptive approach was employed. Data were collected through in-depth interviews, observations, and documentation involving Financial Consultants (FC), Senior Financial Consultants (SFC), and management. Informants were selected using purposive sampling based on at least three months of work experience and understanding the companys work system. The findings show that the companys HRM strategies are primarily result-oriented, emphasizing performance-based compensation, high work targets, and reward and punishment mechanisms. Although the compensation system increases employee motivation, it has not effectively improved employee loyalty because of high work pressure and penalty policies. Furthermore, the absence of structured training programs, suboptimal implementation of standard operating procedures (SOP), and a highly competitive work environment also affect employee loyalty. Employee loyalty is reflected through responsibility, commitment, and willingness to remain with the company, although it tends to fluctuate. Overall, the effectiveness of HRM strategies at PT Valbury Asia Futures Medan Branch is not yet optimal because performance targets are not balanced with employee development. Therefore, improvements are needed through adjusting work targets, strengthening training programs, optimizing SOP implementation, and creating sustainable.