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All Journal EKONOMIS : Journal of Economics and Business Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Management Studies and Entrepreneurship Journal (MSEJ) Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Margin: Jurnal Lentera Managemen Keuangan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Samsul Bachri
Universitas Muhammadiyah Palopo
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Perilaku Pengelolaan Keuangan (Studi Kasus Pada Pegawai Perumda Tirta Mangkaluku Kota Palopo) Amanda Amanda; Samsul Bachri; Altri Wahida
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 2 (2026): April 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i2.5912

Abstract

This study aims to evaluate the influence of financial literacy and lifestyle on the financial management behavior of employees at Perumda Tirta Mangkaluku Kota Palopo. Using a quantitative approach through surveys, data were collected randomly from employees using a questionnaire covering the three variables. The results of multiple regression analysis indicate that both financial literacy and lifestyle have a significant and positive effect on financial management behavior. These findings highlight the importance of improving financial literacy and promoting a positive lifestyle among employees, which contributes not only to their personal financial well-being but also to overall company performance. Based on these results, it is recommended that Perumda Tirta Mangkaluku Kota Palopo develop more relevant and effective financial education programs and foster a work environment that supports healthy living and prudent financial management.
Pengaruh Literasi Keuangan dan Lifestyle Terhadap Pengelolaan Keuangan Pribadi Gen-Z pada Mahasiswa IAIN Palopo Nurul Husna S; Hapid; Samsul Bachri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7770

Abstract

In today's modern era, many people, especially the younger generation, face difficulties in managing their personal finances, which is often caused by low financial literacy and a lifestyle that is not in accordance with financial conditions. This study aims to determine the effect of financial literacy and lifestyle on Gen-Z personal financial management in IAIN Palopo students. the method used in this study uses quantitative methods with multiple linear regression techniques, with a sample size of 75 respondents, namely IAIN Palopo students in the Sharia Economics study program class of 2021, 2022, and 2023. Data collection was carried out using a questionnaire consisting of three variables, namely financial literacy, lifestyle, and personal financial management. The results of this study indicate that financial literacy has a positive and significant effect on student personal financial management, lifestyle has a positive and significant effect on student personal financial management, and simultaneously financial literacy and lifestyle have a positive and sign ificant effect on personal financial management in Gen-Z students of IAIN Palopo.
Pengaruh Literasi Keuangan, Lifestyle, dan Sikap Keuangan Terhadap Perilaku Keuangan Mahasiswa di Universitas Mega Buana Palopo Silvira Silvira; Samsul Bachri; Duriani Duriani
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 4 (2026): Agustus 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i4.6601

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and financial attitudes on the financial behavior of students at Universitas Mega Buana Palopo. The background of this research is the growing trend of consumptive and hedonistic lifestyles driven by social media and the convenience of online shopping, which often results in less optimal financial management among students. The research method employs a quantitative approach with respondents consisting of students from Universitas Mega Buana Palopo who come from diverse economic backgrounds and demonstrate a high level of technology utilization. The independent variables in this study include financial literacy, lifestyle, and financial attitudes, while the dependent variable is students’ financial behavior. The literature review indicates that financial literacy, lifestyle, and financial attitudes significantly influence financial behavior. A sound understanding of financial concepts, a controlled lifestyle, and disciplined as well as responsible attitudes are key factors in shaping healthy financial behavior among students. The results of the discussion show that financial literacy and financial attitudes have a positive and significant contribution to forming healthy financial behavior, where a good understanding of financial concepts and a disciplined attitude help students manage budgets more systematically. Conversely, lifestyle was found to have no significant effect on the financial behavior of students at Universitas Mega Buana Palopo. This is presumably because the average income of students is at a similar level, leading them to prioritize essential needs over personal desires or mere lifestyle trends. Simultaneously, financial literacy, lifestyle, and financial attitudes contribute 87.2% to students' financial behavior. This research is expected to support the improvement of literacy and personal financial management in higher education institutions.
Peran Kapabilitas Keuangan dan Literasi Keuangan Digital Terhadap Perilaku Keuangan Pelaku UMKM di Kota Palopo Muh. Resky Aditya. W; Samsul Bachri; Asriany Asriany
Margin: Jurnal Lentera Managemen Keuangan Vol. 4 No. 02 (2026): Artikel In Press: Edisi Agustus 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/margin.v4i02.1231

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kapabilitas keuangan dan literasi keuangan digital terhadap perilaku keuangan pelaku UMKM di Kota Palopo. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 130 pelaku UMKM yang dipilih menggunakan teknik accidental sampling. Data diperoleh melalui penyebaran kuesioner secara langsung dan melalui Google Form, kemudian dianalisis menggunakan regresi linear berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa kapabilitas keuangan dan literasi keuangan digital berpengaruh positif dan signifikan terhadap perilaku keuangan, baik secara parsial maupun simultan. Nilai koefisien determinasi menunjukkan bahwa kedua variabel mampu menjelaskan variasi perilaku keuangan pelaku UMKM secara cukup kuat. Temuan ini menegaskan bahwa peningkatan kemampuan pengelolaan keuangan serta pemanfaatan teknologi keuangan digital dapat mendorong perilaku keuangan yang lebih rasional, terencana, dan berkelanjutan. Penelitian ini juga memberikan kontribusi empiris terkait pentingnya penguatan literasi dan kapabilitas keuangan dalam mendukung keberlanjutan UMKM di era ekonomi digital.
Co-Authors Abid Ramadhan Ahmad Haekal Munzir Aminuddin Altri Wahida Amanda Amanda Armah Suratmah Asriany Asriany Duriani Duriani Frinzky Natalia Djalupi Hapid I Ketut Patra Muh. Resky Aditya. W Muhammad Resky Wahyuddin Nur Nurul Husna S Pungki Pungki Rezky Auliyah Faizal Sari Ratna Dewi Silvira Silvira Sri lestari Sri Wahyuni putri Suhadra Makkasau Suhandra Makkasau Syahraini Syahraini Syalwah Syalwah