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All Journal Proceeding International Seminar of Islamic Studies International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Masyarakat Mandiri: Jurnal Pengabdian Dan Pembangunan Lokal
Fachrun Nissa
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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The Role Of The Importance Of Financial Literation For Generation Millennialdi Era Digital Rilsha Rilsha; Fachrun Nissa
Proceeding International Seminar of Islamic Studies INSIS 1 (December 2019)
Publisher : Proceeding International Seminar of Islamic Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (275.029 KB)

Abstract

Advances in technology in the digital age make all aspects of life complex so that it requires humans to continue to develop and strive to meet their needs. One of the demands that must be developed by people in the centuries to be able to compete in basic literacy capabilities, one still occupies a relatively low position among other countries. The phenomenon found today is that people tend to engage in consumptive behavior because of the easier access to make transactions online, this is especially true for adolescents at the high school age. Based on the 2016 survey on the level of financial literacy, it shows that students at the student level have a percentage of 23,4% and based on age 15-17 years with a percentage of 5,2%. The low level of financial literacy at the learning level is due to the lack of knowledge among adolescents about the importance of financial management for the future. This study aims to determine the importance of financial literacy among teenage students in the digital age. The research method is carried out by studying literature by examining previous and qualitative research. Based on this research it is known that financial literacy education is important to be given to teenagers in the current digital era as a form of self-control to realize a financially literate future which is financial literacy. The 2015 World Bank survey results on financial literacy show Indonesia. 
Langkah Awal Menuju Stabilitas Ekonomi pada Siswa SMA Swasta Nurcahaya Kota Medan Fachrun Nissa; Nirma Rosalia; Retno Nela Simanjuntak; Muhammad Harpis
Masyarakat Mandiri : Jurnal Pengabdian dan Pembangunan Lokal Vol. 2 No. 1 (2025): Januari: Masyarakat Mandiri : Jurnal Pengabdian dan Pembangunan Lokal
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/masyarakatmandiri.v2i1.1091

Abstract

Individual economic stability is a crucial prerequisite for achieving well-being and financial independence. The Community Service Program (PKM) titled "Initial Steps Towards Economic Stability for Students of SMA Swasta Nurcahaya Kota Medan" aims to enhance students' financial literacy and entrepreneurial skills through socialization and discussion. This activity involved introducing the basic concepts of economic stability, personal financial management, and simple entrepreneurial initiatives. The results showed positive responses, with increased student understanding of financial literacy, awareness of the importance of personal economic stability, and interest in starting small businesses. These findings indicate that the program successfully motivated students to create simple financial plans and be more attentive to economic conditions. This step serves as a significant foundation for preparing students to face future economic challenges.
ENHANCING FINANCIAL BEHAVIOR OF GENERATION Z: THE ROLE OF FINANCIAL LITERACY AND MANAGEMENT IN MEDAN CITY Adi Harianto; Deva Djohan; Atika Rahmi; Yogi Rahman Feriza Ginting; Fachrun Nissa
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 4 No. 2 (2026): April
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v4i2.772

Abstract

This study aims to analyze the impact of financial literacy and financial management on the financial behavior of Generation Z in Medan City. Financial literacy is expected to enhance individuals' understanding of better financial management, which in turn can influence their financial behavior. This study uses a quantitative approach with a survey method. Data collection was done through questionnaires distributed to 200 respondents who are Generation Z in Medan City. Data analysis techniques used include multiple linear regression to test the relationships between variables. The results indicate that both financial literacy and financial management have a positive and significant impact on the financial behavior of Generation Z. These findings suggest that improving financial literacy and sound financial management can enhance responsible financial behavior among Generation Z. This study provides important implications, both in the development of theories related to financial literacy and financial behavior, and in the practical management of personal finances for young generations.
Co-Authors Adi Harianto Atika Rahmi Deva Djohan Eka Nurmala Sari Muhammad Harpis Nirma Rosalia Retno Nela Simanjuntak Rilsha Rilsha Widia Astuti Yogi Rahman Feriza Ginting