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Journal : International Journal of Multidisciplinary Approach Research and Science

Analysis of Barriers to Implementation of the Independent Curriculum Study the Merdeka Campus in the Department Economic Education Manado State University Palangda, Listriyanti; Naharia, Orbanus; Sumual, Shelty D M; Ebe, Lord Steward; Mandey, Larry
International Journal of Multidisciplinary Approach Research and Science Том 1 № 02 (2023): International Journal of Multidisciplinary Approach Research and Science
Publisher : Pt. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/ijmars.v1i02.64

Abstract

Universities are required to be able to adjust to existing education with the current state of the Indonesian industry. Merdeka Learning Merdeka Campus (MBKM) is a policy of the Minister of Education and Culture which encourages students to master various knowledge as subjects before entering the world of business and industry. The purpose of this study was to analyze the obstacles faced by economics education majors in implementing the independent campus learning curriculum (MBKM). This type of research is quantitative. The data collection technique in this study was carried out by identifying discourse from MBKM documents, scientific articles in national and international journals, Ministerial Regulations and Legislation, as well as other online literature. The stages of the research included data collection, data analysis, and obtained the results and conclusions of the obstacles faced in the implementation of MBKM in the Department of Economic Education Reputable.
Impact of Financial Literacy and Interest in Saving on Consumptive Behavior: Case Study of Students at SMK 1 Kotamobagu Tamboto, Henry J.D.; Palangda, Listriyanti
International Journal of Multidisciplinary Approach Research and Science Том 3 № 02 (2025): International Journal of Multidisciplinary Approach Research and Science
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/ijmars.v3i02.1590

Abstract

This study aims to determine the impact of financial literacy and interest in saving on the consumer behavior of students at SMKN Kotamobagu. Consumer behavior among adolescents is increasing with easy access to technology and information, so adequate financial understanding and motivation to save from an early age are needed. The research method used is quantitative with a survey approach. Data collection techniques were carried out by distributing questionnaires to 63 students selected as samples using purposive sampling techniques. Data were analyzed using multiple linear regression to determine the effect of financial literacy variables and interest in saving on consumer behavior. The results of the analysis show that both financial literacy and interest in saving simultaneously have a significant effect on student consumer behavior. Partially, financial literacy has a significant negative effect on consumer behavior, which means that the higher the level of financial literacy, the lower the level of student consumption. Interest in saving also has a significant negative effect, indicating that students with high interest in saving tend to control consumer urges better. These findings emphasize the importance of strengthening financial literacy education and habituation of saving among students as a preventive measure against unhealthy consumption patterns.