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All Journal REVIU: Accounting, Business & Organizations
Sasongko Budisusetyo
Universitas Hayam Wuruk Perbanas
Economics, Econometrics & Finance

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Smart Money Moves: How Financial Literacy, Lifestyle, and Social Media Shape Student Finances Thalia Risdianti Ardiana; Sasongko Budisusetyo
Reviu Accounting, Business & Organizations Vol. 2 No. 1 (2026): Vol 2 No 1 2026
Publisher : Center for Indonesian Accounting Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64417/rabo.v2i1.0028

Abstract

Research Objective - To analyze the influence of financial literacy, lifestyle, pocket money, and social media on students' personal financial management at Hayam Wuruk Perbanas University Surabaya. Research Methodology - This study employs a quantitative approach using Structural Equation Modeling - Partial Least Squares (SEM-PLS) with 154 respondents, using a Likert-scale questionnaire. Research Findings - Financial literacy, pocket money, and social media have a significant positive influence, whereas lifestyle does not show a significant effect. Social media emerges as the dominant factor (R²=0.530). Theoretical and Policy Implications - This study strengthens the Theory of Planned Behavior in digital contexts and advocates policies that promote practical financial education and social media literacy in higher education institutions. Research Novelty - This research treats digital environmental factors (social media) as the primary determinant of students' financial management, complementing traditional approaches that focus on financial literacy and resources.
THE IMPACT OF FINANCIAL LITERACY, FINANCIAL INCLUSION, AND FINANCIAL MANAGEMENT ON THE PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES Sovia Fiasty; Sasongko Budisusetyo
Reviu Accounting, Business & Organizations Vol. 1 No. 2 (2025): (Vol 1 No 2 (2025)
Publisher : Center for Indonesian Accounting Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64417/rabo.v1i2.0019

Abstract

Research Objective: This study examines the influence of financial literacy, financial inclusion, and financial management on the performance of MSMEs in Rungkut District, Surabaya.  Research Method: The research sample consisted of 40 respondents selected using purposive sampling. Data were analyzed using structural equation modeling and partial least squares (SEM-PLS) with the help of WarpPLS software.  Research Findings: Financial literacy, inclusion, and management have a positive and significant influence on MSME performance.  Policy Implications: Better financial understanding, easy access to financial services, and sound financial management practices can encourage business sustainability, enhance competitiveness, and strengthen the contribution to local and national economic growth.  Research Novelty: This study provides new insights into the importance of financial literacy, inclusion, and management in improving MSME performance, which can serve as a basis for future MSME development policies.  
Co-Authors Sovia Fiasty Thalia Risdianti Ardiana