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All Journal Media Mahardhika Akuntoteknologi : Jurnal Ilmiah Akuntansi dan Teknologi ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Paulus Journal of Accounting (PJA) jurnal syntax admiration Action Research Literate (ARL) Jurnal Manajemen dan Profesional Jurnal Locus Penelitian dan Pengabdian Journal of Comprehensive Science ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Economics and Business Journal Journal of Artificial Intelligence and Digital Business Cerdika: Jurnal Ilmiah Indonesia Innovative: Journal Of Social Science Research Journal of Entrepreneur, Business and Management YOS SOEDARSO ECONOMICS JOURNAL Akuntansi Pajak dan Kebijakan Ekonomi Digital Journal of Marketing Management and Innovative Business Review
Sita Yubelina Sabandar
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Religion Aerospace Engineering Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Journal : Economics and Business Journal

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The Effect of Financial Literacy, and Lifestyle on Individual Financial Management of Employees at Paulus Indonesian Christian University Sabandar, Sita; Udang , Yunita Restan; Gunadi, Hendrik
Economics and Business Journal (ECBIS) Vol. 3 No. 2 (2025): January
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i2.181

Abstract

This research aims to determine the impact of Financial Literacy and Lifestyle on the individual financial management of employees at Paulus Indonesian Christian University. The problem focuses on identifying financial literacy and lifestyle that play a role in managing the personal finances of Paulus Indonesian Christian University employees. The associative and comparative methods are used in problem formulation and hypothesis. This quantitative research uses a saturated sampling technique, namely all people are sampled, where the sample size is 65 people or all employees of the Indonesian Paulus Christian University. Data was collected through questionnaires and analysed quantitatively with the Validity Test, Reliability Test, Normality Test, Multicollinearity Test, Heteroscedasticity Test, Autocorrelation Test, t-test, and f-test. The results of the hypothesis test show that financial literacy has a significant positive effect on individual financial management, while lifestyle has a non-significant and negative effect on personal management. Although Lifestyle has an insignificant and negative effect, together with Financial Literacy it is stated that it has a significant positive effect on Individual Financial Management for UKI Paulus employees
The Effect of Digitalization of Payment Transactions on Regional Expenditures in Mamasa Regency Sabandar, Sita; Sumarni; Baharuddin
Economics and Business Journal (ECBIS) Vol. 3 No. 3 (2025): March
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i3.186

Abstract

This research aims to analyze and determine the effect of digitalization of payment transactions on regional spending in Mamasa Regency. This research is quantitative research using primary and secondary data sources. The primary data source is the results of interviews with Mamasa Regional Government employees who were the research samples where the sample collection method was purposive sampling. Secondary data consists of PAD and regional expenditure data for the last three years as well as other supporting documents. The data collection method is carried out through the following stages: Questionnaire and Interview. The collected data can be analyzed quantitatively using descriptive or inferential statistics to test hypotheses. Analysis of this research data uses regression techniques, namely simple linear analysis. Hypothesis testing is carried out to see the level of significance of the influence of the independent variable on the dependent variable. The research results show that there is a significant positive influence of digitalization of payment transactions on regional spending in Mamasa district.
Co-Authors Alfret Genus Waray Amir Jaya Atus Buku Baharuddin Baharuddin Baharuddin Baharuddin Baharuddin Bonai, Amawi Mose Arens Bulawan, Astrivo Timba Corvis L. Rantererung Dennoupa’, Hardianto Olo Duma, Alfrida Editha Julia Erari, Klemens Simson Thomas Frischa Faradilla Arwinda Mongan Gunadi, Hendrik Hermin Hermin Jesica Jesica Jimmy Joe Roland Setiyawan Bokau Johannes Baptista Halik Kende, Aditia Saputri Lady Trifena Masa Lambe, Kristian HP Layuk, Ekolisa Randa Lazarus Sapan Leborius Samangun Malissa, Mika Mallisa, Mika Mangopang, Asriyanti Dalame Ruru Manuel August Todingbua Manuel August Todingbua Markus Randan Ma’na , Petrus Medea, Febrianita Mesi Melisa Lambe Natalia Paranoan Natalia Paranoan Octavianus Pasoloran OKTAVIANUS PASOLORAN Palentek, Dinda Paliling, Roylianto Palosong, Alosius Rinto Pasae, Yoel Patiung, Naomi Randebua, Marcella Paskahlin Rista Upa Tikurante Rista Upa Tikurante Roreng, Petrus P. Roreng, Petrus Peleng Ruatakurei, Marthina Martha Salurante, Mayung Sanggalangi, Heslin Ngabar Sau, Arnold Semuel, Semuel Sibarani, Evelyn Angela Siska Wospakrik Sriningsi SUMARNI Sumarni Sumarni Sumarni Sumarni Tana, Panca Ivan Tandipuang, Anita Tangke, Meisy Wulandari Tirta Rangga Datu Titing, Alsa Mafrend Todingbua, Manuel August Triawanti Triawanti Tumimba, Yelvira Monica Udang , Yunita Restan Untung, Eliazer Untung, Luther Wendy Kala Tikupadang WULANDARI Yohanis Tasik Allo Yusti Yusti, Yusti