Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal International Journal of Educational Best Practices
Nikmatul, Rowiya
Unknown Affiliation
Education Social Sciences Other

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
PEERS, PERSPECTIVES, AND FINANCIAL CHOICES: A STUDY ON FINANCIAL BEHAVIOR AMONG ECONOMICS STUDENTS Nikmatul, Rowiya; Makhdalena, Makhdalena; Indrawati, Henny
International Journal of Educational Best Practices Vol 8, No 2 (2024)
Publisher : Education Administration Study Program, School of Postgraduate Studies, Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/ijebp.v8n2.p291-310

Abstract

Financial behavior is an action that aids individuals in managing their finances effectively. This study aims to analyze the impact of financial attitudes and peer influence on financial behavior, with financial literacy as a mediating factor among students. Conducted from February to June 2023 in the Economics Education Study Program at Universitas Riau, this research collected data through questionnaires and documentation. A total of 115 students participated, selected using a saturated sampling technique (census). Participants included undergraduate students in the 2020 class from Accounting, Cooperatives, and SMEs courses. Data analysis utilized Structural Equation Modeling (SEM) based on variance, specifically Partial Least Square (PLS), with SmartPLS 4.0 software, and an independent T-test on SPSS to assess gender differences in peer influence. The results indicated that financial attitudes and peer influence affect financial behavior through financial literacy. Furthermore, gender differences were observed in financial behavior, influencing decision-making. Therefore, students are encouraged to develop positive financial attitudes and surround themselves with financially knowledgeable peers to enhance their financial decision-making skills.
Co-Authors Henny Indrawati Makhdalena Makhdalena, Makhdalena