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All Journal I-Finance Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Sheda, Ghegana Ariel
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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FACTORS AFFECTING STUDENT FINANCIAL BEHAVIOR IN DIGITAL TRENDS Sheda, Ghegana Ariel; Muharrami, Rais Sani
I-Finance Journal Vol 9 No 2 (2023): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v9i2.16879

Abstract

This study discusses the influence of Islamic financial literacy, locus of control and religiosity on student financial management in the digital era. The respondents in this study were Febi students of Raden Mas Said State Islamic University Surakarta with a total of 177 respondents. The data collection process is carried out by disseminating questions and answers using primary quantitative methods through questionnaires. This study used multiple linear regression analysis method. This study concluded that there is a positive and significant influence between sharia financial literacy on financial management, there is a positive and significant influence between locus of control on financial management and no influence on religiosity on student financial management. Based on the results of the research conducted, the R Square value was obtained at 0.244 or 24.4%. While the remaining 75.6% was influenced by other variables that were not examined in this study. These findings can certainly be part of the reference for students in financial management in the digital era. The conclusion is that Islamic financial literacy and locus of control can influence student financial management in the digital era. Meanwhile, religiosity cannot influence student financial management in the digital era.
PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL ATTITUDE DAN INTERNAL LOCUS OF CONTROL TERHADAP FINANCIAL MANAGEMENT BEHAVIOR PADA PELAKU UMKM KOTA SURAKARTA Sheda, Ghegana Ariel
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 1 (2023)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v12i1.1323

Abstract

This study aims to analyze (1) financial knowledge, (2) financial attitude and (3) internal locus of control on personal financial management behavior in Small and Medium Enterprises in Surakarta City. The population in this study were MSME Entrepreneurs in the Online Shop Marketplace in Surakarta City and the sample in this study amounted to 80 MSMEs in the Online Shop field, the method used was purposive sampling. Based on the results of the t test, financial knowledge does not have a significant effect on financial management behavior in Online Shop MSME actors. The indicators of financial attitude and internal locus of control have a significant influence on the financial management behavior of Online Shop MSME actors. The results of this research can be used as input and reference material for SMEs in overcoming obstacles to financial management when running their entrepreneurship.
Co-Authors Muharrami, Rais Sani