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All Journal International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal EduHealth International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Unram Journal of Community Service (UJCS) J-MIND (Jurnal Manajemen Indonesia) Jurnal Bina Bangsa Ekonomika International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Indonesian Journal Economic Review (IJER) Jurnal Pengabdian Kepada Masyarakat Meambo Proceeding of International Conference on Multidisciplinary Research Smart Dedication: Jurnal Pengabdian Masyarakat
Ayu Anora
Universitas Bumi Persada
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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THE INFLUENCE OF FINANCIAL LITERACY, DEMOGRAPHIC FACTORS, LOCUS OF CONTROL AND PARENTAL INCOME ON BEHAVIOR STUDENT FINANCE (Study on Management Study Program Students at Bumi Persada University) Muhammad Multazam; Yusnidar; Ayu Anora; Maisyuri; Zuraida
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 6 (2024): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i6.2303

Abstract

This study aims to determine the effect of financial literacy, demographic factors, locus of control, parental income on financial behavior in UNBP Management Study Program Students. The data used in this study are primary data with a sample of 115 students and distributed online using a questionnaire obtained from the main source, namely UNBP Management Study Program Students. The data analysis method uses multiple linear regression analysis. The results of this study partially indicate that the financial literacy variable has a positive and significant effect on the financial behavior of UNBP Management Study Program students, the demographic factor variable has a positive and significant effect on the financial behavior of UNBP Management Study Program students, the locus of control variable does not have a significant effect on the financial behavior of UNBP Management Study Program students, and the parental income variable has a positive and significant effect on the financial behavior of UNBP Management Study Program students.
THE IMPACT OF DIGITAL FINACIAL INCLUTION ON THE SUSTAINABLE FINANCE OF THE MSME SECTOR IN THE LHOKSEUMAWE CITY REGION WITH MODERATION OF THE BANKING SERVICE MODEL Muhammad Multazam; Rico Nur Ilham; Muttaqien; Ayu Anora; Teuku Muhammad Iqbal
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 4 No. 4 (2024): August
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v4i4.1883

Abstract

This research determines how the Banking Model strengthens/weakens the impact of Perceived Usefulness, Perceived Financial Cost and Perceived Ease of Use on Sustainable Finance SMEs. This type of research is quantitative descriptive. The population is all MSMEs in Lhokseumawe City, totaling 2,354 MSMEs. This study uses the Taro Yamane formula with a precision level set at 10% with a total sample size of 96. The results reveal that Perceived Usefulness positively and insignificantly affects Sustainable Finance SMEs, Perceived Financial Cost positively and significantly affects Sustainable Finance SMEs, Perceived Ease of Use positively and significantly affects Sustainable Finance SMEs, Banking Model positively and insignificantly affects Sustainable Finance SMEs, Banking model can strengthen the influence of Perceived Usefulness on Sustainable Finance SMEs, Banking model can strengthen the effect of Perceived Financial Cost to Sustainable Finance SMEs, and Banking models can weaken the influence of Perceived Ease of Use on Sustainable Finance SMEs.
Co-Authors Agustina, Irda Ainol Mardhiah Almunadiya Aulia, Muhammad Kahfi Azhari Azhari Azhari Fajri Fajri Fauziah Fauziah Fauziah Fitriani Ginting, Yanti Mayasari Husna Husna Irada Sinta Ismuhadi Maisyuri Mariyudi Mariyudi Maulida, Maulida Muchayatin Muhammad Multazam Muktarullah, Millatina Muttaqien Nadia Rizky Ramadhani Ningsih, Eka Utami Putri Drissianti Rahma Muti’ah Rahmiatul Aula Raudhatinur Rico Nur Ilham Ritonga, Mulkan Sakinah Surya Darni Syamsul Bahri Teuku Muhammad Iqbal Utaminingsih, Eka Yusnidar Yusnidar Yusnidar Zuraida