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All Journal Jurnal Riset Akuntansi dan Bisnis JURNAL ILMIAH MANAJEMEN & BISNIS Journal of Mathematics Education and Application (JMEA) KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Maneggio: Jurnal Ilmiah Magister Manajemen Owner : Riset dan Jurnal Akuntansi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURNAL AGRICA Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi dan Hukum Jurnal Riset Akuntansi Aksioma Jurnal Ilmiah Edunomika (JIE) Jurnal Manajemen Jurnal BELAINDIKA (Pembelajaran dan Inovasi Pendidikan) Jurnal Manajemen Bisnis dan Keuangan Jurnal Ekonomi Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Proceeding International Seminar of Islamic Studies Balance : Jurnal Akuntansi dan Manajemen Jurnal SALMAN : Sosial dan Manajemen Bursa : Jurnal Ekonomi dan Bisnis Journal of International Conference Proceedings Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Mandiri: Jurnal Akuntansi dan Keuangan IIJSE RESLAJ: Religion Education Social Laa Roiba Journal
Sri Fitri Wahyuni
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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Determinants Of Personal Financial Management: Exploring The Mediating Role of Locus of Control Among Multigenerational Caregivers in Medan Wahyuni, Sri Fitri; Sari, Maya; Astuty, Widia; Puji Lestari, Sri; Rifki Hafas, Hafriz
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3978

Abstract

This study investigates the impact of financial literacy, individual spiritual intelligence, peer group, and love of money on personal financial management among the multigenerational caregivers (sandwich generation) in Medan City, with locus of control serving as a mediating factor. Utilizing a quantitative, associative research design, data were gathered from 96 respondents via structured questionnaires and analyzed using Partial Least Squares (PLS). The analysis reveals that both financial literacy and individual spiritual intelligence significantly enhance personal financial management and contribute to a stronger locus of control. Although the peer group exerts a significant influence on locus of control, its direct impact on personal financial management is not statistically significant. In contrast, love of money demonstrates a significant positive effect on personal financial management, while its effect on locus of control remains insignificant. Furthermore, locus of control significantly improves personal financial management and mediates the relationships between the independent variables and financial management practices. The findings underscore the potential of targeted financial education, initiatives to bolster spiritual intelligence, and the cultivation of supportive peer networks to enhance financial management among the sandwich generation.
Model of Intention to Purchase Environmentally Friendly Products of SMEs Deli Serdang Nel Arianty; Julita; Sri Fitri Wahyuni
Jurnal Manajemen Vol. 29 No. 2 (2025): June 2025
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v29i2.2618

Abstract

This study aims to determine how the green marketing model is developed in small and medium enterprises to increase consumer buying interest during the new normal period in the Deli Serdang Regency. From the data processing results using Structural Equation Modeling (SEM) Partial Least Square (PLS). The study results indicate that green products to increase consumer buying interest are negative and insignificant. Green products cannot increase consumer buying interest. Green prices to increase consumer buying interest are negative and significant. Green prices can increase consumer buying interest. Green places to increase consumer buying interest are positive and insignificant. At the same time, green promotion towards consumer buying interest is positive and significant. When viewed from the data processing, SME business actors in Deli Serdang Regency need to develop a green marketing model.
Perilaku Konsumtif Belanja Online pada Tenaga Kerja Muda di Kota Medan Ditinjau dari Literasi Keuangan, Pendapatan, Gaya Hidup Melalui Locus of Control Sebagai Pemoderasi Wahyuni, Sri Fitri; Nur, Fauziah Nur
Mandiri : Jurnal Akuntansi dan Keuangan Vol. 4 No. 2 (2025): Juni 2025
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jak.v4i2.897

Abstract

Penelitian ini bertujuan untuk mengkaji perilaku konsumtif belanja online pada tenaga kerja muda di Kota Medan ditinjau dari literasi keuangan, pendapatan, dan gaya hidup, dengan locus of control sebagai variabel pemoderasi. Pendekatan penelitian yang digunakan adalah eksplanatori dengan metode kuantitatif untuk menjelaskan hubungan kausal antarvariabel. Data diperoleh melalui penyebaran kuesioner terstruktur kepada responden yang merupakan tenaga kerja muda aktif dalam aktivitas belanja online, kemudian dianalisis menggunakan teknik statistik multivariat. Hasil penelitian menunjukkan bahwa literasi keuangan dan pendapatan berpengaruh signifikan terhadap locus of control. Individu dengan literasi keuangan yang baik dan pendapatan yang lebih tinggi cenderung memiliki kontrol internal yang lebih kuat dalam pengambilan keputusan keuangan. Sementara itu, gaya hidup tidak berpengaruh langsung terhadap perilaku konsumtif, namun menunjukkan pengaruh tidak langsung melalui peran moderasi locus of control. Secara keseluruhan, locus of control terbukti memoderasi hubungan antara variabel-variabel independen dengan perilaku konsumtif, sehingga menunjukkan bahwa faktor internal psikologis turut memengaruhi perilaku konsumsi digital tenaga kerja muda di Kota Medan. This study aims to examine the online shopping consumptive behavior of young workers in Medan City, viewed from the perspectives of financial literacy, income, and lifestyle, with locus of control as a moderating variable. The research employs an explanatory approach using a quantitative method to explain the causal relationships among variables. Data were collected through the distribution of structured questionnaires to respondents who are young workers actively engaged in online shopping, and analyzed using multivariate statistical techniques. The results show that financial literacy and income have a significant influence on locus of control. Individuals with better financial literacy and higher income tend to have stronger internal control in making financial decisions. Meanwhile, lifestyle does not directly affect consumptive behavior but shows an indirect effect through the moderating role of locus of control. Overall, locus of control is proven to moderate the relationship between the independent variables and consumptive behavior, indicating that internal psychological factors also influence the digital consumption behavior of young workers in Medan City.
REALIZING FINANCIAL INCLUSION IN THE MEDAN AREA SUBDISTRICT: THE ROLE OF FINANCIAL WELL-BEING, FINANCIAL LITERACY, AND INCOME WITHIN A SOCIO-CULTURAL FRAMEWORK Sri Fitri Wahyuni; Raudatul Jannah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 4 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i4.3453

Abstract

The objective of this study is to examine and analyze the influence of financial well-being, financial literacy, and income on financial inclusion, as well as to assess the moderating role of socio-cultural factors in these relationships. A quantitative research approach was employed using a survey method. The study population consisted of individuals of productive age residing in the Medan Area Subdistrict. A purposive sample of 100 respondents was drawn from two urban villages with distinct socio-economic characteristics. Data were collected through a structured questionnaire and analyzed using SmartPLS 4.0 software. The findings reveal that financial well-being, financial literacy, and income significantly influence financial inclusion. Socio-cultural factors also exert a direct and significant impact on financial inclusion. However, when tested as a moderating variable, socio-cultural factors were found to significantly moderate only the relationship between financial well-being and financial inclusion. In contrast, no significant moderating effects were observed in the relationships between financial literacy and income with financial inclusion. These results highlight that economic participation in formal financial systems is shaped not only by individual financial conditions but also by the cultural values embedded within the community.
Peran Gaya Hidup dalam Memediasi Pengaruh Pendidikan Ekonomi Keluarga, Status Sosial Ekonomi, dan Financial Literacy terhadap Sikap Hidup Hemat Generasi Z Matondang, Dini Mawaddah; Wahyuni, Sri Fitri
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 2 (2025): Agustus 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i2.861

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pendidikan ekonomi keluarga, status sosial ekonomi orang tua, dan financial literacy terhadap sikap hidup hemat, baik secara langsung maupun tidak langsung melalui gaya hidup sebagai variabel mediasi. Penelitian menggunakan pendekatan kausal dengan populasi generasi Z di Kota Medan. Sampel ditentukan menggunakan rumus Lemeshow. Metode analisis yang digunakan adalah pendekatan kuantitatif dengan teknik analisis PLS (Partial Least Square), mencakup uji outer model, inner model, dan uji hipotesis. Hasil penelitian menunjukkan bahwa secara langsung, pendidikan ekonomi keluarga, status sosial ekonomi orang tua, dan gaya hidup berpengaruh signifikan terhadap sikap hidup hemat, sedangkan financial literacy tidak berpengaruh langsung. Namun, secara tidak langsung, pendidikan ekonomi keluarga, status sosial ekonomi orang tua, dan financial literacy berpengaruh terhadap sikap hidup hemat melalui gaya hidup sebagai variabel mediasi. This study aims to analyze the influence of family economic education, socioeconomic status of parents, and financial literacy on frugal living attitudes, both directly and indirectly through lifestyle as a mediating variable. The study uses a causal approach with the Generation Z population in Medan City. Samples are determined using the Lemeshow formula. The analysis method used is a quantitative approach with PLS (Partial Least Square) analysis techniques, including outer model tests, inner models, and hypothesis tests. The results of the study show that directly, family economic education, socioeconomic status of parents, and lifestyle have a significant effect on frugal living attitudes, while financial literacy has no direct effect. However, indirectly, family economic education, parental socioeconomic status, and financial literacy affect frugal living attitudes through lifestyle as a mediating variable.
Generation Y Investment Decisions in Medan City: Impact of Financial Literacy, Risk Perception, and Financial Behavior : Keputusan Investasi Generasi Y di Kota Medan: Dampak Literasi Keuangan, Persepsi Risiko, dan Perilaku Keuangan Lestari, Sri Puji; Ridwan, Muhammad; Wahyuni, Sri Fitri
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol. 11 No. 2 (2025): September: JBMP Vol.11 No. 2 2025
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v11i2.2148

Abstract

This study explores both the direct and indirect effects of financial literacy, risk perception, and financial behavior on the investment decisions of Generation Y individuals living in Medan City. Utilizing a quantitative research methodology, data analysis was performed using the Statistical Package for the Social Sciences (SPSS), with a specific focus on path analysis to examine the relationships among latent variables. The target population consisted of individuals aged 30 to 42 years, classified as Generation Y, totaling 587,743 persons in Medan City. The determination of the sample size was carried out using Slovin's formula, yielding a total of 100 respondents for the study. Data were obtained through observation and the administration of structured questionnaires. The findings indicate that financial literacy, risk perception, and financial behavior each exert a statistically significant and positive individual influence on investment decisions. Moreover, when analyzed simultaneously, these variables collectively contribute meaningfully and positively to the investment decision-making process among Generation Y in the target region. This study provides novel insights into the financial behavior of Generation Y in an urban Indonesian setting, highlighting the importance of financial knowledge, perceived risk, and behavioral tendencies in shaping investment choices. Limitations related to sampling bias, self-reporting, and regional scope are acknowledged, and future studies are encouraged to expand the geographic coverage and apply mixed methods for deeper analysis.
Pengaruh Dana Pihak Ketiga (DPK) dan Non Performing Financing terhadap Profitabilitas Pada Bank Syariah Indonesia Periode 2015-2022 Cindi Vatika Sari BR Sitanggang; Sri Fitri Wahyuni
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 4 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i4.1960

Abstract

This research aims to determine the effect of third party funds and non-performing financing on profitability at Bank Syariah Indonesia for the period 2015 - 2022. The method used is a quantitative research method. The population in this study used financial reports at Bank Syariah Indonesia. Meanwhile, the sampling technique uses purposive sampling, which is a technique used based on predetermined criteria, namely 32 samples, starting from the first quarter of 2015 to the fourth quarter of 2022. The data used in this research is secondary data, namely the financial reports of Islamic Banks. Indonesia, accessed via the official link: https://ir.bankbsi.co.id. The data is processed using the help of a statistical application, namely SPSS. The research results show that third party funds (DPK) have a significant positive influence on profitability, while non-performing financing (NPF) has a negative influence on profitability (ROA). Simultaneously, third party funds and non-performing financing have a significant positive influence on profitability
Model Praktik Perilaku Pengelolaan Keuangan Pranikah Pada Pasangan Siap Menikah Di Kota Medan Wahyuni, Sri Fitri; Hafiz, Muhammad Shareza; Lestari, Sri Puji
Owner : Riset dan Jurnal Akuntansi Vol. 8 No. 1 (2024): Artikel Riset Januari 2024
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v8i1.1915

Abstract

This study aims to examine the influence of financial literacy, income and lifestyle on financial management behavior among couples ready to get married in the city of Medan. The population in this study is all couples who are ready to marry in several districts in the city of Medan. To determine the sample using the Lemeshow formula because the population size is unknown, the researcher took the sample using the accidental sampling method, namely the sample was carried out by chance with 280 premarital couple respondents as the research sample. The data analysis techniques used in this research are measurement model analysis (outer model) and variance-based structural equation testing or better known as Partial Least Square (PLS) using Smart PLS 3.0 software. The results of this study indicate that financial literacy has a significant effect on financial management behavior. Income has no significant effect on Financial Management Behavior. Lifestyle has a significant influence on Financial Management Behavior
The Effect of Contribution, Role, and Capital on MSMEs Business Development in Islamic Banks with Human Resources Quality as A Moderation Variable Wahyuni, Sri Fitri; Hafiz, Muhammad Shareza; Pradesyah, Riyan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i1.3044

Abstract

The study aims to see the effect of the contribution, role, and venture capital on MSMEs business development, with the quality of human resources as a mediating variable. This research was conducted at Islamic banks in the city of Medan, with a sample of 160 people. As for the results obtained based on the results of the path coefficient test carried out, it was found that there were 3 significant items on construction with t-statistic values ​​> 1.65 and p-values ​​< 0.05, meaning that the hypotheses H4, H6, and H7 were accepted, that there was a significant influence of business capital with Human Resources (HR) quality (H4), there is a significant influence of the role of Islamic banks on HR (H6), and there is a significant influence of HR on business development (H7). While indirectly the hypothesis that is accepted is H9, where the T statistic is 3.726 > 1.65, and the P values ​​are 0.00 <0.05, with Std. Beta is 0.367. It means that there is a positive influence of business capital on business development, mediated by the variable quality of Human Resources (HR).
PENGARUH KUALITAS PELAYANAN, KEADILAN BAGI HASIL DAN KEPUASAN NASABAH TERHADAP LOYALITAS NASABAH PADA PT. BANK PEMBIAYAAN RAKYAT SYARIAH GEBU PRIMA, MEDAN Nasution, Khoirul Amri; Wahyuni, Sri Fitri
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14142

Abstract

Abstract The growth of Islamic banking in Indonesia lags behind conventional banking, primarily due to insufficient customer loyalty. To enhance market share, Islamic banking providers in Indonesia must prioritize customer satisfaction, as satisfied customers are more inclined to remain loyal. This research aims to explore the interrelationships among service quality, fairness in profit-sharing, customer satisfaction, and customer loyalty. The study involves four key variables: service quality, profit-sharing fairness, and customer satisfaction as independent factors, and customer loyalty as the dependent factor. A simple random sampling method was employed, surveying 364 active customers, resulting in 78 valid responses. Findings indicate that service quality, profit-sharing fairness, and customer satisfaction collectively exert a significant influence on customer loyalty at BPRS Gebu Prima. The study reveals that these factors explain 47.6% of customer loyalty variance, with the remaining 52.4% influenced by unexplored variables beyond the scope of this research.
Co-Authors Ade Gunawan Agusty, Mutiara Cindi Vatika Sari BR Sitanggang Dini Kinanti Farisi, Salman Fiqi Ilham Hafiz, Muhammad Shareza Ika Arwana Jufrizen Julita Khalisah Khalisah Khoirul Amri Nasution Lestari, Sherly Lestari, Sofi Sri Indah Matondang, Dini Mawaddah Maya Sari Muhammad Ridwan Muhammad Shareza Hafiz Muhammad Tri Ramdhani Mutiarani Pionera Nanda, Ariska Ayu Nasution, Khoirul Amri Nel Arianty Novika, Indah Ayu Nur, Fauziah Nur Pradesyah, Riyan Pradesyah, Riyan Puji Lestari, Sri Radiman Radiman Radiman Radiman Radiman, Radiman Ramadani, Desi Raudatul Jannah Rifki Hafas, Hafriz Rita Nara Rubiyah Rubiyah Serli Lestari, Serli Sinuhaji , Karina Ridha Ditia Sri Puji Lestari Tri Wulandari Widia Astuty Yogi Pranata