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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam COSMOS Journal of Ekonomics, Finance, and Management Studies
Mar'ah, Sakinatul
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh Literasi Keuangan, Pengendalian Diri dan Teman Sebaya Terhadap Perilaku Konsumtif Pada Generasi Z di Kabupaten Tegal: The Influence of Financial Literacy, Self-Control and Peers on Consumptive Behavior in Generation Z in Tegal Regency Mar'ah, Sakinatul; Gumilar, Gugum; Gumilar, Rendra; Widyaningrum, Bakti
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 2 No 3 (2025): April - Mei
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

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Abstract

This study aims to examine the effect of financial literacy, self-control and peers on consumptive behavior in Generation Z in Tegal Regency. A quantitative approach was used in this study with a survey method by distributing questionnaires to 100 respondents using the purposive sampling technique. The data was analyzed using multiple linear regression with the help of SPSS version 22 software. The results showed that financial literacy had no effect on consumptive behavior, with a t-value of 1.478 and a significance of 0.143 (p > 0.05). Self-control has a significant negative effect on consumptive behavior, with a t-value of -2.442 and a significance of 0.016 (p <0.05), which means that the higher the level of self-control, the lower the consumptive behavior. Peers have a positive and significant effect on consumptive behavior with a t-value of 9.705 and a significance of 0.000 (p <0.05), which means that the higher the interaction with peers, the higher the consumptive behavior. The coefficient of determination (R²) is 0.528, indicating that financial literacy, self-control, and peers have an effect of 52.8% on consumptive behavior, while the rest is influenced by other factors outside the research model.
Analisis Kebijakan Perumahan Subsidi di Indonesia Policy Analysis 0f Subsidized Housing In Indonesia Adawiyah , Nur; Sihombing, Josua Adrio; Mar'ah, Sakinatul; Kemala , Putri
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i6.1043

Abstract

The purpose of this research is to know the development of subsidy policy in the field of housing in Indonesia, and to know the obstacles that hinder the development of subsidized housing in Indonesia. This research is normative legal research, namely research conducted by examining secondary data (literature) consisting of: primary legal materials; secondary legal materials. In normative legal research, the data that has been collected, both through the inventory of primary legal materials and the search for secondary materials, content analysis is carried out which is then processed into general premises about general norms in the regulation of subsidies in the housing sector. Furthermore, it is analyzed deductively by using a syllogism thinking pattern composed of two statements (major premise and minor premise) and a conclusion. Conclusion: 1) the provision of subsidies to low-income people is expected to realize the community, especially low-income people to own a house; 2) the low absorption rate of subsidized housing
Analisis Kebijakan Perumahan Subsidi di Indonesia Policy Analysis 0f Subsidized Housing In Indonesia Adawiyah , Nur; Sihombing, Josua Adrio; Mar'ah, Sakinatul; Kemala , Putri
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 6 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i6.1043

Abstract

The purpose of this research is to know the development of subsidy policy in the field of housing in Indonesia, and to know the obstacles that hinder the development of subsidized housing in Indonesia. This research is normative legal research, namely research conducted by examining secondary data (literature) consisting of: primary legal materials; secondary legal materials. In normative legal research, the data that has been collected, both through the inventory of primary legal materials and the search for secondary materials, content analysis is carried out which is then processed into general premises about general norms in the regulation of subsidies in the housing sector. Furthermore, it is analyzed deductively by using a syllogism thinking pattern composed of two statements (major premise and minor premise) and a conclusion. Conclusion: 1) the provision of subsidies to low-income people is expected to realize the community, especially low-income people to own a house; 2) the low absorption rate of subsidized housing
Co-Authors Adawiyah , Nur Gugum Gumilar Kemala , Putri Rendra Gumilar, Rendra Sihombing, Josua Adrio Widyaningrum, Bakti