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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.  
Pengaruh Judi Online dan Gaya Hidup Hedonis Terhadap Perilaku Keuangan Generasi Z di Aceh Barat Rikki Hermawan; Fitria Mandaraira
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/t693th24

Abstract

This study aims to analyze the effect of online gambling and a hedonistic lifestyle on the financial behavior of Generation Z in West Aceh Regency. The development of digital technology has increased access to online gambling activities and encouraged hedonistic lifestyle tendencies among young people, which may affect personal financial management. This research employed a quantitative approach using a correlational method. Primary data were collected through questionnaires distributed to 100 Generation Z respondents aged 18–28 years residing in West Aceh, using purposive sampling. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 27. The results indicate that online gambling has a negative and significant effect on the financial behavior of Generation Z. A hedonistic lifestyle also has a negative and significant effect on financial behavior. Simultaneously, online gambling and a hedonistic lifestyle significantly influence the financial behavior of Generation Z in West Aceh. This study emphasizes the importance of financial literacy and self-control in promoting healthy financial behavior in the digital era.
Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Saving Behavior Mahasiswa di Universitas Teuku Umar Ulva Widayanti; Fitria Mandaraira; Tamitha Intassar Husen
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/hnjmds14

Abstract

This study aims to analyze the effect of financial literacy and financial inclusion on the saving behavior of students at Teuku Umar University. This study employed a quantitative approach with an associative research design. The population consisted of 5,520 active students at Teuku Umar University, with a sample of 382 respondents selected using the proportionate stratified random sampling technique. Data were collected through questionnaires and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with SmartPLS version 4.1.1.4. The results indicate that financial literacy has no significant effect on students' saving behavior (t-statistics = 1.545; p-value = 0.123), whereas financial inclusion has a positive and significant effect on students' saving behavior (t-statistics = 10.102; p-value = 0.000). The Adjusted R Square value of 0.211 indicates that financial literacy and financial inclusion jointly explain 21.1% of the variance in students' saving behavior, while the remaining 78.9% is explained by other variables outside the research model. This study concludes that financial inclusion is a more dominant factor influencing students' saving behavior than financial literacy.
Pengaruh Lingkungan kerja dalam peningkatan kinerja tenaga sanitarian (Survey pada RSUD dan Puskesmas Di Kabupaten Garut Teuku Jalaluddin; Muzakir Muzakir; Fitria Mandaraira; Umi Narimawati; Sri Suwarsi
Jurnal Bisnis Dan Kajian Strategi Manajemen Vol 9, No 2 (2025): JURNAL BISNIS DAN KAJIAN STRATEGI MANAJEMEN
Publisher : universitas teuku umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/jbkan.v9i2.13881

Abstract

Performance is a work result that can be achieved by a person or group of people in a company in accordance with their respective authorities and responsibilities in an effort to achieve organizational goals illegally, does not violate the law and does not conflict with morals and ethics. The level of performance of sanitarian workers is also determined by and the work environment. This study aims to examine the influence of work environment on the performance of sanitarian staff at RSUD and Puskesmas in Garut Regency. The method used in this research is quantitative with descriptive and verification approach methods. Data analysis used ANOVA test with F-count, and partial test (T test). The study population was 33 sanitarian workers, namely 3 sanitarian workers in dr. Slamet and 28 sanitarian workers at the Puskesmas. All of them are taken as samples so that they become saturated samples. Data collection techniques are carried out through observation, questionnaires and interviews. The results of research at the RSUD and Puskesmas in Garut Regency show that the work environment of sanitarian workers is in the high category and the work environment is in the conducive category. Furthermore, the performance of sanitarian workers is included in the high category, meaning that it is in line with expectations. The results of the quantitative test analysis showed that the work environment partially affected the performance of sanitarian workers, with a higher level of influence on the work environment of Garut District Hospital and Puskesmas. Furthermore, the ANOVA test results with F-count show that work environment simultaneously affect the performance of sanitarian workers in the Garut District Hospital and Public Health Center.Kinerja merupakan hasil kerja yang dapat dicapai oleh seseorang atau sekelompok orang dalam suatu perusahaan sesuai dengan wewenang dan tanggung jawab masing-masing dalam upaya mencapai tujuan organisasi secara tidak sah, tidak melanggar hukum dan tidak bertentangan dengan moral serta etika. Tinggi rendahnya kinerja tenaga sanitarian juga ditentukan oleh dan lingkungan kerja. Penelitian ini bertujuan untuk menguji pengaruh lingkungan kerja terhadap kinerja petugas sanitarian di RSUD dan Puskesmas di Kabupaten Garut. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan metode pendekatan deskriptif dan verifikatif. Analisis data menggunakan uji ANOVA dengan F-hitung, dan uji parsial (uji T). Populasi penelitian adalah 33 orang tenaga sanitarian, yaitu 3 orang tenaga sanitarian di RSUD dr. Slamet dan 28 orang tenaga sanitarian di Puskesmas. Seluruhnya diambil sebagai sampel sehingga menjadi sampel jenuh.Teknik pengumpulan data dilakukan melalui observasi, kuesioner dan wawancara. Hasil penelitian di RSUD dan Puskesmas di Kabupaten Garut menunjukkan bahwa lingkungan kerja petugas sanitarian berada pada kategori tinggi dan lingkungan kerja berada pada kategori kondusif. Selanjutnya, kinerja petugas sanitarian termasuk dalam kategori tinggi, artinya sudah sesuai dengan harapan. Hasil analisis uji kuantitatif menunjukkan bahwa lingkungan kerja secara parsial berpengaruh terhadap kinerja petugas sanitarian, dengan tingkat pengaruh yang lebih tinggi pada lingkungan kerja RSUD dan Puskesmas Garut. Selanjutnya, hasil uji ANOVA dengan F-hitung menunjukkan bahwa lingkungan kerja secara simultan berpengaruh terhadap kinerja petugas sanitarian di RSUD dan Puskesmas Garut.