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The influence of financial literacy on personal financial behavior: The moderating role of sociodemographic factors Nugroho, Sanjayanto
JEMBA: Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Vol. 5 No. 2 (2025): JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan Bisnis, Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya (UPR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jemba.v5i2.23497

Abstract

In the era of digital finance and increasing economic complexity, financial literacy has become a crucial determinant of individuals’ financial well-being. Despite growing access to financial products and services, many people, including educated individuals, still face challenges in managing their finances effectively due to limited knowledge and poor behavioral discipline. This study aims to examine the effect of financial literacy on personal financial behavior, with sociodemographic factors such as age, gender, income, and marital status serving as moderating variables. The research adopts a quantitative approach using a structured questionnaire distributed to 92 postgraduate management students enrolled in public universities in Surabaya, Indonesia. The sampling method applied was proportionate stratified random sampling, selected from a population of 1,117 students. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS SEM) to evaluate both the measurement and structural models. The results show that financial literacy has a significant and positive effect on personal financial behavior, confirming that individuals with stronger financial knowledge tend to make more responsible financial decisions, including better budgeting, saving, and investment practices. However, sociodemographic factors such as age, gender, income, and marital status do not significantly moderate this relationship, indicating that demographic differences have minimal impact once sufficient financial literacy is achieved. These findings are consistent with behavioral finance theory, which suggests that financial behavior is largely influenced by cognitive and psychological factors rather than demographic characteristics. The study concludes that financial literacy functions as an equalizing factor across demographic groups, emphasizing the importance of enhancing financial education through experiential and digital learning initiatives to promote responsible financial behavior and improve long-term financial resilience among educated populations
Peningkatan Kapasitas SDM Guru Melalui Pelatihan Penggunaan Bamboozle Dan Quizziz Dalam Pembelajaran Interaktif di SMA Negeri 3 Palangka Raya Sanjayanto Nugroho; Aprilita Aprilita; Nurlia Eka Damayanti; Novera Kristianti
I-Com: Indonesian Community Journal Vol 5 No 1 (2025): I-Com: Indonesian Community Journal (Maret 2025)
Publisher : Fakultas Sains Dan Teknologi, Universitas Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70609/icom.v5i1.5935

Abstract

This article discusses increasing the capacity of teachers' human resources (HR) through training in using the Bamboozle and Quizziz digital platforms in interactive learning. The main problem faced is the lack of teacher skills in using educational technology, which has an impact on the level of student participation in the learning process which is still low. The aim of this research is to improve teachers' skills in utilizing digital platforms to create more dynamic and participatory learning. The method used is intensive training involving theory sessions and direct practice for teachers at SMA Negeri 3 Palangka Raya. The results of the training showed a significant increase in teacher skills, which had a positive impact on student engagement during the teaching and learning process. The conclusion of this article is that integrating technology such as Bamboozle and Quizziz can be an effective solution to face the challenges of the digital era, including creating an interactive and more interesting learning environment.
Return on assets and debt-to-equity ratio on dividend yield using Earning Per Share as a Moderating Variable at PT. Indofood Sukses Makmur Tbk Rahmah, Umi; Riassy Christa, Usup; Nugroho, Sanjayanto
JEMBA: Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Vol. 5 No. 2 (2025): JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan Bisnis, Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya (UPR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jemba.v5i2.20212

Abstract

The purpose of this study was to determine the effect of Return On Assets (ROA), and Debt to Equity Ratio (DER) on Dividend Yield, with Earning Per Share (EPS) as a moderating variable. This study uses secondary data, namely in the form of financial statement data of PT. Indofood Sukses Makmur Tbk. The technique used is linear regression analysis and moderation regression analysis by utilizing the SPSS 26 program. The results showed that Return On Assets (ROA) has a positive but insignificant effect, Debt to Equity Ratio (DER) has a positive and significant effect, Earning Per Share (EPS) has an effect but is not significant on the relationship between Return On Assets (ROA) and Dividend Yield, and Earning Per Share does not affect the relationship between Debt to Equity Ratio (DER) and Dividend Yield. So to increase Dividend Yield, the company can increase the Debt to Equity Ratio (DER)
Analysis of Liquidity, Firm Size, Profitability, Capital Structure and Firm Value of Oil and Gas Companies on the IDX M. Roni Riswandi; Solikah Nurwati; Sanjayanto Nugroho
Jurnal Manajemen Sains dan Organisasi Vol. 4 No. 1 (2023): Jurnal Manajemen Sains dan Organisasi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jmso.v4i1.8275

Abstract

Purpose - The Effect of Liquidity, Firm Size, and Profitability on Firm Value withCapital Structure as an intervening variable in Oil and Gas Companies on theIndonesia Stock Exchange Design/Methodology/Approach – The research method used in this study is aquantitative research approach. The analysis unit of this study is oil and gascompanies listed on the Indonesia Stock Exchange in 2017-2020, totaling 9companies with purposive sampling techniques. The collected data was analyzedusing the Partial Least Square (PLS) approach, the software used was SmartPLS3.3.Findings – The results showed that, liquidity has a positive but not significant effecton the value of the firm, the size of the firm has a negative but insignificant effect onthe value of the firm, profitability has a negative but not significant effect on thevalue of the firm, liquidity has a positive but not significant effect on the capitalstructure, the size of the firm has a positive but insignificant effect on the capitalstructure, profitability has a positive and significant effect on the capital structure,the capital structure has a positive and significant effect on the value of the firm, thecapital structure is unable to mediate the effect of liquidity on the value of the firm,the capital structure is unable to mediate the influence of the size of the firm on thevalue of the firm, the capital structure is able to mediate the influence of profitabilityon the value of the firm. For subsequent researchers, it is recommended to usedifferent independent variables, it is also advisable to conduct research oncompanies with more diverse characteristics. Thus, the results obtained can berepresentative to be drawn conclusions by comparing each sector of companieslisted on the Indonesia Stock Exchange..
Money Beliefs dalam Pengelolaan Keuangan Siswa SMK Negeri 8 Palangka Raya Dewi Rakhmawati; Sanjayanto Nugroho; Dhina Sri Widyaningsih
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2782

Abstract

This study aims to analyze the influence of beliefs about money, the social and media environment on financial management behavior among students of SMK Negeri 8 Palangka Raya. This study uses a quantitative associative approach with an exploratory design. Data were collected from 100 respondents using a Likert-scale questionnaire and analyzed using the Partial Least Squares – Structural Equation Modeling (PLS-SEM) method. The results show that beliefs about money, the social and media environment both have a positive and significant influence on students' financial management behavior. Beliefs about money emerged as the most dominant factor influencing financial management, indicating that students with a positive perception of money—as a means to achieve goals rather than a status symbol—are better able to manage their personal finances effectively. Furthermore, the social and media environment were found to act as moderators, strengthening the relationship between beliefs about money and financial management behavior.
Pengaruh Beban Tugas Akademik Dan Kecemasan Terhadap Stres Belajar Mahasiswa Manajemen Universitas Palangka Raya Roni Kurnia Sukmaputra; Sanjayanto Nugroho; Rian Sidiq Prakoso
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.v4i3.1095

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh beban tugas akademik dan kecemasan terhadap stres belajar mahasiswa Manajemen Universitas Palangka Raya. Kebaruan dari penelitian ini terletak pada fokus konteks lokal mahasiswa Manajemen di Universitas Palangka Raya, yang sebelumnya belum banyak diteliti secara spesifik, sehingga mampu memberikan gambaran empiris baru mengenai faktor-faktor penyebab stres belajar di lingkungan pendidikan tinggi di daerah. Penelitian ini menggunakan pendekatan kuantitatif dengan rancangan asosiatif kausal. Populasi penelitian adalah mahasiswa aktif semester empat ke atas sebanyak 338 orang, dengan sampel penelitian berjumlah 183 orang yang ditentukan menggunakan rumus Slovin dan diambil dengan teknik purposive sampling. Data dikumpulkan melalui kuesioner tertutup berbasis skala Likert, kemudian dianalisis menggunakan uji validitas, reliabilitas, asumsi klasik, serta regresi linier berganda melalui aplikasi SPSS. Hasil penelitian menunjukkan bahwa (1) beban tugas akademik berpengaruh positif dan signifikan terhadap stres belajar, (2) kecemasan berpengaruh positif dan signifikan terhadap stres belajar, serta (3) beban tugas akademik dan kecemasan secara simultan berpengaruh positif dan signifikan terhadap stres belajar. Kontribusi kedua variabel independen terhadap stres belajar mencapai 47,9%, sedangkan sisanya dipengaruhi faktor lain di luar penelitian. Temuan ini menegaskan bahwa keseimbangan beban akademik dan pengelolaan kecemasan sangat penting dalam mencegah peningkatan stres belajar. Secara praktis, penelitian ini memberikan implikasi bagi pengembangan kebijakan akademik yang lebih adaptif, serta pentingnya layanan konseling dan pelatihan keterampilan manajemen stres bagi mahasiswa.   This study aims to analyze the effect of academic workload and anxiety on learning stress among Management students at the University of Palangka Raya. The novelty of this research lies in its focus on the local context of Management students at the University of Palangka Raya, which has not been extensively explored, thus providing new empirical insights into the factors influencing learning stress in higher education within the region. This research employed a quantitative approach with a causal-associative design. The study population consisted of 338 active students in their fourth semester and above, from which a sample of 183 students was determined using Slovin’s formula and selected through purposive sampling. Data were collected using a closed-ended questionnaire with a Likert scale and analyzed through validity and reliability tests, classical assumption tests, and multiple linear regression using SPSS. The results revealed that (1) academic workload has a positive and significant effect on learning stress, (2) anxiety has a positive and significant effect on learning stress, and (3) academic workload and anxiety simultaneously have a positive and significant effect on learning stress. The combined contribution of the two independent variables to learning stress reached 47.9%, while the remaining percentage was influenced by other factors outside this study. These findings highlight the importance of balancing academic workload and managing anxiety to prevent excessive learning stress. Practically, the study suggests the need for adaptive academic policies, as well as counseling services and stress management skill training for students.