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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Akuntansi dan Keuangan
Tetty Sufianty zafar
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Economics, Econometrics & Finance

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The Influence Of Lifestyle, Financial Intelligence, And Social Environment On Financial Behavior (Survey On Students Receiving The Indonesian Smart Card Scholarship At Muhammadiyah University Sukabumi) Nurul Jauza Putri; Tetty Sufianty zafar; Nor Norisanti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.6748

Abstract

This study aims to analyze the influence of lifestyle, financial intelligence, and social environment on the financial behavior of students who receive Smart Indonesia Card (KIP) scholarships at the University of Muhammadiyah Sukabumi, with the hypothesis that these three variables have a significant effect on financial behavior. This study used a quantitative method with an associative approach, and involved 245 respondents who were selected through a proportionate stratified random sampling technique. Data collection was carried out through questionnaires, literature studies, and student data. The results of the study show that lifestyle, financial intelligence, and social environment each have a significant influence on financial behavior, this is highlighted by obtaining T calculation 11,468 > 1,970 T table. Financial intelligence has a significant effect on financial behavior, this is highlighted by obtaining T calculations of 9,425 > 1,970 T tables. Likewise, the social environment has a significant influence on financial behavior, this is highlighted by obtaining T calculation of 12,295 > 1,970 T tables. The implications of this study provide recommendations for scholarship managers and educational institutions to strengthen financial behavior coaching through lifestyle management, financial intelligence development, and a positive social environment.
Pengaruh Net Profit Margin, Asset Utilization Ratio dan Firm Size terhadap Financial Performance Pika Pirliana; Jhoansyah, Dicky; Tetty Sufianty Zafar
AKUA: Jurnal Akuntansi dan Keuangan Vol. 4 No. 3 (2025): Juli 2025
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/akua.v4i3.4572

Abstract

The purpose of this study is to examine the influence of Net Profit Margin (NPM), Asset Utilization Ratio (AUR), and Firm Size on Financial Performance in textile and garment subsector companies listed on the Indonesia Stock Exchange (IDX). This study employs a quantitative approach with an associative method and purposive sampling technique. A total of 19 companies were selected as samples, resulting in 38 observations. The data used in this research are secondary data obtained through documentation by analyzing the annual reports of textile and garment subsector companies for the years 2022 to 2023. Data analysis was conducted using classical assumption tests, multiple linear regression analysis, the coefficient of determination test, and both partial and simultaneous hypothesis testing. The results indicate that Net Profit Margin, Asset Utilization Ratio, and Firm Size simultaneously influence Financial Performance. Partially, Net Profit Margin and Asset Utilization Ratio have a significant effect on Financial Performance, while Firm Size does not have a significant effect. These findings provide practical guidance for managers and investors to optimize profits and asset utilization in order to enhance the financial performance of companies.
The Influence Of Lifestyle, Financial Intelligence, And Social Environment On Financial Behavior (Survey On Students Receiving The Indonesian Smart Card Scholarship At Muhammadiyah University Sukabumi) Nurul Jauza Putri; Tetty Sufianty zafar; Nor Norisanti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.6748

Abstract

This study aims to analyze the influence of lifestyle, financial intelligence, and social environment on the financial behavior of students who receive Smart Indonesia Card (KIP) scholarships at the University of Muhammadiyah Sukabumi, with the hypothesis that these three variables have a significant effect on financial behavior. This study used a quantitative method with an associative approach, and involved 245 respondents who were selected through a proportionate stratified random sampling technique. Data collection was carried out through questionnaires, literature studies, and student data. The results of the study show that lifestyle, financial intelligence, and social environment each have a significant influence on financial behavior, this is highlighted by obtaining T calculation 11,468 > 1,970 T table. Financial intelligence has a significant effect on financial behavior, this is highlighted by obtaining T calculations of 9,425 > 1,970 T tables. Likewise, the social environment has a significant influence on financial behavior, this is highlighted by obtaining T calculation of 12,295 > 1,970 T tables. The implications of this study provide recommendations for scholarship managers and educational institutions to strengthen financial behavior coaching through lifestyle management, financial intelligence development, and a positive social environment.
Co-Authors Dicky Jhoansyah Nor Norisanti Nurul Jauza Putri Pika Pirliana