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All Journal Journal of Economic, Bussines and Accounting (COSTING) JURNAL CEMERLANG: Pengabdian pada Masyarakat Journal of Management and Bussines (JOMB) Studi Akuntansi, Keuangan, dan Manajemen PKM Linggau: Jurnal Pengabdian dan Pemberdayaan Masyarakat Jurnal Pengabdian Masyarakat Bangsa Inovbiz : Jurnal Inovasi Bisnis
Susyanto Tunut
Universitas PGRI Silampari
Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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The Effect Of Self Management And Financial Literacy On The Management Of Online Loans By Young Entrepreneursin South Sumatera Ratih Eka Sakti; Fatma Oktarendah; Susyanto Tunut
Inovbiz: Jurnal Inovasi Bisnis Vol 13 No 2 (2025)
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v13.i2.1302

Abstract

This study aims to analyze the influence of self-management and financial literacy on the management of online loan funds among young entrepreneurs in South Sumatra Province. The background of this research lies in the increasing use of online lending (financial technology lending) as an alternative source of financing for young entrepreneurs, which often leads to ineffective fund management due to poor self-regulation and low financial literacy. This study employs a quantitative explanatory approach with a population of young entrepreneurs in South Sumatra who have used online loans. A total of 120 respondents were selected using purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS version 26. The results indicate that self-management and financial literacy have a positive and significant effect on online loan fund management, both partially and simultaneously. The coefficient of determination (R²) of 0.512 shows that 51.2% of the variation in online loan fund management can be explained by these two variables, while the remaining 48.8% is influenced by other factors such as financial attitude, business experience, and social influence. The study concludes that self-regulation and financial understanding are key determinants of healthy and productive financial behavior among young entrepreneurs. The findings are expected to serve as a basis for local governments, financial institutions, and fintech providers in developing financial literacy and self-management training programs to encourage responsible and sustainable online loan utilization.
The Influence Of An Entrepreneurial Mindset On Entrepreneurial Interest Among Economics Students At Higher Education Institutions In Lubuklinggau City Melanda Wulandari; Susyanto Tunut; Ratih Eka Sakti
Inovbiz: Jurnal Inovasi Bisnis Vol 14 No 2 (2026): Edition December 2026
Publisher : P3M Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35314/inovbiz.v14.i2.1866

Abstract

This study aimed to determine the effect of entrepreneurial mindset on the entrepreneurial interest of students of the Faculty of Economics and Business in Lubuklinggau City, Class of 2025. This study employed a quantitative method with a causal associative approach. The sample consisted of 100 students from PGRI Silampari University, Bina Insan University, and STIEBI Prana Putra. Data were collected using a questionnaire that had been tested for validity and reliability. Data analysis was conducted using descriptive statistical analysis, classical assumption tests, simple linear regression analysis, the t-test, and the coefficient of determination (R²) with the assistance of SPSS version 24. The results showed that the research instrument was valid and reliable. The data were normally distributed, exhibited a linear relationship, and showed no indication of heteroscedasticity. The results of the simple linear regression analysis revealed a significance value of 0.000 < 0.05 with the regression equation Y = 30.747 + 0.807, indicating that entrepreneurial mindset had a positive effect on entrepreneurial interest. The t-test results showed that the calculated t-value of 8.072 was greater than the t-table value of 1.984, indicating that H₀ was rejected and Hₐ was accepted. The coefficient of determination (R²) was 0.399, indicating that entrepreneurial mindset contributed 39.9% to students' entrepreneurial interest, while the remaining 60.1% was influenced by other factors outside the scope of this study. Based on the findings, it can be concluded that entrepreneurial mindset has a positive and significant effect on the entrepreneurial interest of students of the Faculty of Economics and Business in Lubuklinggau City, Class of 2025.  
Co-Authors Arubina Bangsawan Ekaputri, Retno Agustina Endar Pradesa Fatma oktarendah Jamalludin Ketut Sukiyono Melanda Wulandari Metha Aditya Putri Metha Adtya Putri Nadea, Salma Ratih Eka Sakti Resenia, Ecindi