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Journal : Riwayat: Educational Journal of History and Humanities

Pengaruh Financial Knowledge, Financial Attitude, Personlity dan Demographics terhadap Financial Behavior (Studi Kasus UMKM Makanan dan Minuman di Kecamatan Tulangan Kabupaten Sidoarjo) Islamiyah, Izzatul; Zaki, Achmad; Mustaqim, M; Violita, Cynthia Eka
Riwayat: Educational Journal of History and Humanities Vol 8, No 2 (2025): April, Culture and Identity
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i2.46579

Abstract

This study aims to determine partially and simultaneously the influence of financial knowledge, financial attitude, personality and demographics on financial behavior in Food and Beverage MSMEs in Tulangan District, Sidoarjo Regency. These factors are considered important in determining how business actors manage their finances, both in financial planning, budgeting, and investment decision making. The approach used in this study is quantitative, with the Partial Least Squares PLS method to analyze the relationship between variables. Data were collected through a questionnaire with a Likert scale and tested for validity and reliability before multiple linear regression analysis was carried out. The results of the study showed that financial knowledge, financial attitude, personality, and demographics had a significant effect on financial behavior. Financial knowledge plays a role in increasing the understanding of MSME actors in managing their business finances. A positive financial attitude is correlated with saving habits and financial risk management. Personality, especially individuals with a good level of self-control, tend to be more disciplined in managing their finances. Meanwhile, demographics, such as gender and education level, also play a role in shaping wiser financial behavior.
Pengaruh Digital Financial Literacy terhadap Financial Well-Being Melalui Financial Behaviour Studi pada Mahasiswa Manajemen Angkatan 2021 di Sidoarjo Ivanka, Siska; Zaki, Achmad; Mustaqim, M.; Violita, Cynthia Eka
Riwayat: Educational Journal of History and Humanities Vol 8, No 2 (2025): April, Culture and Identity
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i2.47099

Abstract

The purpose of this study is to determine the effect of Digital Financial Literacy on Financial Well-Being with Financial Behavior as a mediating variable. This study applies a quantitative method, a survey approach through the use of questionnaires in collecting data from respondents, with a non-probability sampling method. Management students from the 2021 class in Sidoarjo are the population. SmartPLS 4 serves as the primary tool for data analysis in this study. The results indicate that Digital Financial Literacy does not have a significant impact on Financial Well-Being, Financial Behavior has a positive impact on Financial Well-Being, Digital Financial Literacy has a positive impact on Financial Behavior, and Financial Behavior mediates the relationship between Digital Financial Literacy and Financial Well-Being.
Pengaruh Work Life Balance terhadap Job Performance melalui Stakeholder Pressure sebagai Variabel Moderasi Studi pada UD. Sendy Leather Fauziyah, Ninik; Zaki, Achmad; Mustaqim, M.; P, Devika Cherly
Riwayat: Educational Journal of History and Humanities Vol 8, No 2 (2025): April, Culture and Identity
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i2.46115

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh work Life Balance terhadap job performance dengan stakeholder pressure sebagai variabel moderasi pada UD. Sendy Leather. Metode penelitian yang digunakan adalah pendekatan kuantitatif. Data primer dikumpulkan melalui kuesioner yang disebarkan kepada responden, sementara teknik pengambilan sampel menggunakan metode non-probability sampling dengan pendekatan sampling jenuh, sehingga seluruh populasi yang berjumlah 38 karyawan dijadikan sebagai sampel penelitian. Hasil penelitian mengungkapkan bahwa work life balance memiliki pengaruh positif dan signifikan terhadap job performance, efek moderasi stakeholder pressure memperlemah work life balance terhadap job performance.
Pengaruh Financial Preparedness dan Financial Literacy terhadap Financial Well Being pada Pengunjung di Klinik Farida, Ucyk Nurul; Zaki, Achmad; Mustaqim, M.; Putrihadiningrum, Devika Cherly
Riwayat: Educational Journal of History and Humanities Vol 8, No 2 (2025): April, Culture and Identity
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i2.46112

Abstract

Tujuan penelitian ini untuk menganalisis pengaruh kesiapan keuangan dan literasi keuangan terhadap kesejahteraan keuangan pada pengunjung pasien di klinik dr. Mohammad ahwan. Dalam mengumpulkan data, penelitian ini menggunakan metode Accidental Sampling untuk mengumpulkan data dari responden dengan jumlah sampel sebanyak 43 responden. Data dikumpulkan melalui kuisioner atau angket dan Analisis data dalam penelitian ini menggunakan software SPSS 18 untuk menguji hipotesis penelitian. Hasil penelitian ini menjelaskan bahwa financial preparedness berpengaruh negatif dan signifikan terhadap financial well being, dan financial literacy berpengaruh positif signifikan terhadap financial well being pada pengunjung pasien di klinik, dan financial preparedness dan financial literacy seacara bersama sama memiliki pengaruh positif dan signifikan terhadap financial well being.