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All Journal Ekopedia: Jurnal Ilmiah Ekonomi Jurnal Ilmiah Literasi Indonesia
Fitria Mandaraira
Universitas Teuku Umar
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Other

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Pengaruh Literasi Keuangan dan Locus of Control Terhadap Perilaku Keuangan Mahasiswa Universitas Teuku Umar Syafitri Syafitri; Muzakir Muzakir; Fitria Mandaraira
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/316epp50

Abstract

In the era of rapid financial technology development, university students are expected to possess the ability to manage their finances wisely in order to avoid excessive consumer behavior. However, in reality, many students are still unable to manage their finances effectively. Therefore, adequate financial literacy and strong self-control in financial decision-making are essential. This study aims to examine and analyze the influence of financial literacy and locus of control on the financial behavior of students at Teuku Umar University. This research employed a quantitative approach with a sample of 383 students from Teuku Umar University selected through random sampling. The data used in this study were primary data collected through questionnaires measuring financial literacy, locus of control, and students' financial behavior. The data were analyzed using multiple linear regression with the assistance of SPSS software. The results indicate that financial literacy and locus of control have a positive and significant effect on students' financial behavior, both partially and simultaneously. These findings imply that higher levels of financial literacy and stronger locus of control are associated with better financial behavior among students in managing their personal finances.
Pengaruh Lifestyle dan Financial Planning Terhadap Spending Behavior pada ASN di Kecamatan Pulau Banyak Hera Nofita Sari; Tio Devilishanti; Fitria Mandaraira; Muzakir Muzakir
Jurnal Ilmiah Literasi Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/c794sj47

Abstract

This study is motivated by the importance of understanding the spending behavior of State Civil Servants (ASN), given that a relatively stable income is not always accompanied by sound financial management. Furthermore, there is a lack of research examining this phenomenon among ASN in island regions, specifically in Pulau Banyak District, Aceh Singkil Regency. This study aims to determine how lifestyle and financial planning influence the spending patterns of civil servants in Pulau Banyak District, Aceh Singkil Regency. A quantitative method was employed, involving 64 respondents selected through simple random sampling. Data were collected via questionnaires and analyzed using multiple linear regression with IBM SPSS Statistics 25 software. The results indicate that lifestyle does not have a significant effect on spending patterns; however, sound financial planning exerts a positive and significant influence on how they spend their money. These findings suggest that financial planning plays a crucial role in shaping wiser spending behavior among ASN.  
Co-Authors Hera Nofita Sari Syafitri Syafitri Tio Devilishanti