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All Journal PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Global Management: International Journal of Management Science and Entrepreneurship
Peter Peter
Universitas Kristen Maranatha
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Financial Literacy for the Students in Christian Senior High School 1 of BPK Penabur in Cirebon to Prepare Them to be the Intelligent Investors Herlina Herlina; Bram Hadianto; Ika Gunawan; Peter Peter; Martalena Martalena; Dini Iskandar
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 8 No. 4 (2023): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v8i4.4452

Abstract

Financial literacy is helpful for learners to recognize the features of the capital market and their instruments. With this knowledge, they are expected to manage their money wisely, especially in selecting the devices. Furthermore, to realize this condition, this service to the community aims to measure this literacy level and recognize risk profiles. The methods utilized in this service are lecture, discussion, and simulation. The participants in this service are the 40 students in the eleventh grade taking social science in the Christian senior high school 1 of BPK Penabur in Cirebon. Also, the precise answers of the students based on financial literacy items are used to evaluate this service. Surprisingly, the correct answers to these basic and advanced items are from 60.53% to 78.95% and 63.16% to 78.95%, respectively, indicating the middle financial level exists. This level is above the national literacy level in 2019 in Indonesia: 38.03%. Besides, related to the risk profile, most students are conservative (47.5%) and moderate (47.5%). Based on this outcome, the students with a conventional risk profile are expected to invest their money in a time-deposit account, government bonds, and fixed-income and money-market mutual funds. Meanwhile, students with a moderate risk profile should place their funds in blue-chip stocks and mixed mutual funds.
Income, Financial Literacy, and Financial Management Behavior Peter Peter; Herlina Herlina; Amisiska Natalia Saragi
Global Management: International Journal of Management Science and Entrepreneurship Vol. 3 No. 1 (2026): February: Global Management: International Journal of Management Science and En
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/globalmanagement.v3i1.507

Abstract

Financial management plays a crucial role in individual financial planning, particularly in the context of increasingly unstable macroeconomic conditions. Effective financial management behavior enables individuals to allocate resources wisely, manage risks, and achieve financial sustainability in the long term. Therefore, identifying the key factors that influence financial management behavior is essential. This study aims to analyze the effect of income and financial literacy on financial management behavior (FMB). The population of this study consists of teachers and administrative employees aged 24 to 60 years from two educational institutions located in Bandar Lampung and Metro. Using a snowball sampling technique, a total of 93 respondents were obtained. Data were collected through an online survey questionnaire designed to measure income level, financial literacy, and financial management behavior. The collected data were then analyzed using a multiple regression model to test the proposed hypotheses. The results of the analysis indicate that both income and financial literacy have a positive and significant effect on financial management behavior. Individuals with higher income levels tend to demonstrate better financial management practices, while greater financial literacy enhances individuals’ ability to plan, control, and make informed financial decisions. These findings highlight the importance of improving financial literacy and income management skills to strengthen financial management behavior, particularly among educators and educational staff.
Co-Authors Amisiska Natalia Saragi Bram Hadianto Dini Iskandar Herlina Herlina Ika Gunawan Martalena Martalena Salsabila, Unik Hanifah