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All Journal Limbago: Journal of Constitutional Law PUSKAPSI Law Review Nomico Scientica Education Journal (SEJ) Maneggio Journal of Adat Recht Journal of Strafvodering Indonesian Leges Privatae Kamara Journal EduTech Journal
Noviya, Anis
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Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Journal : Nomico

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The influence of Financial Literacy on Personal Financial Management in millennials in Indonesia Wijaya, Ismed; Mulyanti, Dwi Retno; Susianto, Tri Endar; Noviya, Anis; Purnomo, Rahmat
Nomico Vol. 1 No. 12 (2025): Nomico-January
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/w09ms059

Abstract

This study explores the impact of Financial Literacy on Personal Financial Management among millennials in Indonesia. Using a quantitative approach, the research investigates the relationship between financial knowledge and the ability to manage personal finances effectively. The findings indicate that financial literacy significantly influences personal financial management, highlighting its critical role in shaping sound financial behaviors. Millennials with higher levels of financial literacy tend to demonstrate better budgeting, saving, and investment habits, reducing the likelihood of debt accumulation and promoting long-term financial stability. Conversely, a lack of financial knowledge often leads to poor financial decisions, such as excessive use of credit cards, inadequate savings, and limited understanding of investment opportunities. This study contributes to the growing body of literature by focusing on the millennial generation in Indonesia, providing practical implications for stakeholders such as policymakers, financial institutions, and educators to enhance financial literacy programs. Tailored financial education initiatives, both in formal education settings and through community outreach programs, are recommended to address the specific needs of this demographic. Future research is encouraged to expand the scope by incorporating additional variables, such as technological adoption in financial management and the influence of socio-economic backgrounds, and employing mixed-method approaches to gain deeper insights into the behavioral aspects of financial decision-making.
The Effect of Monetary Policy on Inflation: an Empirical Approach Judijanto, Loso; Rosalia, Olyvia; Siddiqi, M.; Firayani, Firayani; Noviya, Anis
Nomico Vol. 2 No. 1 (2025): Nomico-February
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/e9hfda43

Abstract

This study explores the impact of monetary policy on inflation rate, focusing on the role of interest rates, money supply, and bank credit. Using a quantitative approach, this research analyzes how these variables influence inflation through statistical methods. The study employs multiple linear regression analysis to determine the relationships between the independent and dependent variables. Secondary data from official financial reports and economic publications provide the basis for analysis. The findings suggest that interest rates have a negative relationship with inflation, meaning an increase in interest rates can help reduce inflationary pressures. Meanwhile, money supply and bank credit have a positive relationship with inflation, indicating that higher liquidity and credit availability contribute to rising inflation. The statistical tests confirm that the model used is valid and reliable, ensuring accurate interpretations of the results. This study underscores the importance of monetary policy adjustments in maintaining price stability. Policymakers should carefully manage interest rates, money supply, and credit distribution to effectively control inflation and promote economic stability.
Co-Authors Amanda Amruddin, Amruddin Arfa'i Christiaan, Pemy Faradina, Anggia Firayani, Firayani I Nengah Simpen Judijanto, Loso Meri Meri Yarni Merung , Arteurt Yoseph Muhamad Romdoni Mulyanti, Dwi Retno Nurwijayanti Rahmat Purnomo, Rahmat Rosalia, Olyvia Said, Sadly Ashari Siddiqi, M. Siyamsih, Dwi Susianto, Tri Endar Tasya, Amalia Wijaya, Ismed