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All Journal Jurnal Riset Akuntansi dan Bisnis KUMPULAN JURNAL DOSEN UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA JURNAL AKUNTANSI DAN BISNIS : Jurnal Program Studi Akuntansi LIABILITIES (JURNAL PENDIDIKAN AKUNTANSI) Jurnal Akuntansi dan Keuangan Kontemporer (JAKK) Proceeding International Seminar of Islamic Studies Balance : Jurnal Akuntansi dan Manajemen Journal Research of Economics and Bussiness Bursa : Jurnal Ekonomi dan Bisnis Journal of International Conference Proceedings Mandiri: Jurnal Akuntansi dan Keuangan
Novi Fadhila
Universitas Muhammadiyah Sumatera Utara
Religion Arts Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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Pengaruh Literasi Keuangan, Kontrol Diri, Dan Penggunaan Digital Payment Terhadap Kesejahteraan Finansial Dosen Di Era Cashless Society Novi Fadhila; Sry Wahyuni Bangun
Mandiri : Jurnal Akuntansi dan Keuangan Vol. 5 No. 2 (2026): Juni 2026
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jak.v5i2.1984

Abstract

Penelitian ini bertujuan menguji pengaruh literasi keuangan, kontrol diri, dan penggunaan digital payment terhadap kesejahteraan finansial dosen di era cashless society. Sampel penelitian sebanyak 51 dosen Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Sumatera Utara. Metode analisis menggunakan regresi linear berganda dengan SPSS. Hasil penelitian menunjukkan literasi keuangan dan penggunaan digital payment berpengaruh positif dan signifikan secara parsial, sedangkan kontrol diri berpengaruh positif tidak signifikan. Secara simultan ketiga variabel berpengaruh signifikan terhadap kesejahteraan finansial. Kontribusi penelitian memperkaya literatur financial well-being dengan memasukkan variabel digital payment. Novelty penelitian adalah pengujian pada dosen sebagai subjek dan konteks era digital di perguruan tinggi Indonesia.   This study aims to examine the influence of financial literacy, self-control, and digital payment usage on the financial well-being of lecturers in a cashless society. The sample consisted of 51 lecturers from the Faculty of Economics and Business at the University of Muhammadiyah North Sumatra. Multiple linear regression analysis was performed using SPSS 26. The results indicate that financial literacy and digital payment usage have a positive and significant partial effect, whereas self-control has a positive but insignificant effect. Simultaneously, the three variables significantly influence financial well-being. This study contributes to the financial well-being literature by incorporating the digital payment variable. Its novelty lies in focusing on lecturers as subjects within the context of the digital era in Indonesian higher education.        
Pengaruh Financial Stress dan Pengelolaan Anggaran Terhadap Perilaku Keuangan Masyarakat dengan Dukungan Sosial Sebagai Variabel Intervening Novi Fadhila; Nadia Elvionita
Journal Research of Economic and Bussiness Vol. 4 No. 02 (2025): Juli 2025
Publisher : Ali Institute of Research and Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55537/j-reb.v4i02.1226

Abstract

The Indonesian economy is currently grappling with several pervasive economic challenges, including elevated levels of unemployment, poverty, price instability, profit margins, inflation, debt accumulation, economic system dysfunction, political economy influences, and inadequate welfare measures. This study aims to examine the impact of financial stress and budget management on individuals' financial behaviors in West Binjai, with a focus on the mediating role of social support. The impetus for this research stems from the observation of three interrelated phenomena: first, a pervasive lack of public awareness regarding effective financial management; second, the prevalence of financial stress among the general population; and third, the dearth of social support systems in decision-making processes concerning financial matters. The present research employs a quantitative approach, utilizing a causal associative method. The data utilized in this study is of a primary nature, having been collected through the distribution of questionnaires to a sample of 100 respondents. This sample was drawn from a larger population of 53,186 individuals using a simple random sampling technique. The data analysis employed structural equation modeling (SEM) techniques, leveraging the SmartPLS software for implementation. This approach enables the investigation of complex relationships and interactions within the data, providing a comprehensive understanding of the subject matter. In addition to primary data, this study employs secondary data, which is derived from books and previous research. The findings indicated that financial stress and budget management exerted a substantial influence on financial behavior, both directly and through the mediating role of social support. Social support has been demonstrated to amplify the impact of these two variables on financial behavior. This study offers two sets of implications. Firstly, it provides theoretical implications for the development of financial management literature. Secondly, it provides practical implications for the community and local government in improving financial literacy and welfare. Keywords: Financial Stress, Budget Management, Financial Behavior, Social Support
Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Pengelolaan Keuangan Mahasiswa Novi Fadhila; Amanda Putri Khairul
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 3 (2025): Desember 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i3.1353

Abstract

Penelitian ini bertujuan menganalisis pengaruh literasi keuangan dan gaya hidup terhadap pengelolaan keuangan mahasiswa Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Sumatera Utara. Penelitian menggunakan pendekatan kuantitatif dengan desain asosiatif. Sampel terdiri dari 83 mahasiswa semester 7 yang dipilih menggunakan teknik proportional random sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi linier berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan dan gaya hidup secara parsial maupun simultan berpengaruh positif dan signifikan terhadap pengelolaan keuangan mahasiswa. Temuan ini menegaskan bahwa literasi keuangan memiliki peran yang lebih dominan dalam membentuk perilaku pengelolaan keuangan mahasiswa dibandingkan gaya hidup. Implikasi penelitian ini menunjukkan pentingnya penguatan program literasi keuangan di perguruan tinggi sebagai upaya meningkatkan kemampuan mahasiswa dalam mengelola keuangan secara efektif dan berkelanjutan.   This study aims to analyze the effect of financial literacy and lifestyle on the financial management of students in the Management Department, Faculty of Economics and Business, Universitas Muhammadiyah Sumatera Utara. The research employed a quantitative associative approach. The sample consisted of 83 seventh-semester students selected using proportional random sampling. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS. The results indicate that financial literacy and lifestyle have a positive and significant effect on students’ financial management, both partially and simultaneously. The findings highlight that financial literacy plays a more dominant role than lifestyle in shaping students’ financial management behavior. This study provides empirical evidence that strengthens behavioral finance literature in the context of higher education and implies the importance of structured financial literacy programs at universities to enhance students’ financial management capabilities in a sustainable manner.  
Co-Authors Amanda Putri Khairul Chintya Maramis Edisah Putra Nainggolan Febrini, Indira Hariya Sanjaya Husna, Miftah Irma Christiana Julianda Syahputra Tanjung Nadia Elvionita Ningsih, Dian Ayu Nora Sipayung Rahmat Hidayat Siregar, Siti Aisyah Sry Wahyuni Bangun