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All Journal JURNAL PENDIDIKAN TAMBUSAI Growth: Journal Management and Business
Ananda, Bunga Puja
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Exploring the Determinants of Students Personal Financial Management: The Role of Social Environment, Spiritual Intelligence, and Lifestyle Fauziah, Iis; Rahma, Aisatu; Agustin, Ayu; Ananda, Bunga Puja; Kustina, Lisa
Growth: Journal Management and Business Vol. 3 No. 01 (2025): June 2025
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/growth.v3i01.895

Abstract

This study aims to identify the influence of social environment, spiritual intelligence, and lifestyle on personal financial management. This study uses a quantitative approach aimed at identifying problems through data collection, compilation, and analysis. The population in this study were students of the Management Study Program, Class of 2022, Faculty of Economics and Business, Pelita Bangsa University. The number of samples in this study was 102 respondents. The analysis method used was multiple regression analysis, using the SPSS 26 program as a statistical test. The results of the study partially, Social environment and spiritual intelligence have a positive effect on personal financial management, while lifestyle has no effect on personal financial management. These findings highlight the importance of social and spiritual factors in shaping students’ financial behaviors, offering valuable insights for financial education strategies.
Keputusan Diversifikasi Portofolio Investasi di Era Digital Fauziah, Iis; Millah, Duriyyatul; Rahma, Aisatu; Ananda, Bunga Puja; Agustin, Ayu; Dasman, Sunita
Jurnal Pendidikan Tambusai Vol. 8 No. 3 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Di Era Digital telah mengubah cara investor dalam membuat keputusan investasi, khususnya dalam hal diversifikasi portofolio. Besarnya resiko dalam berinvestasi memungkinkan investor untuk mempertimbangkan dan memahami strategi dalam berinvestasi sebelum melakukan keputusan investasi. Penelitian ini bertujuan untuk memahami faktor – faktor yang mempengaruhi keputusan diversifikasi portofolio investasi di era digital. Metode penelitian menggunakan pendekatan kualitatif dengan studi pustaka. Metode ini melibatkan pengumpulan, pengkajian, dan analisis data yang bersumber dari literatur terkait. Hasil penelitian menunjukkan bahwa diversifikasi portofolio tetap menjadi strategi utama untuk mengelola risiko, namun dinamika pasar digital, regulasi yang belum mapan, serta literasi keuangan menjadi tantangan utama bagi investor. Studi ini diharapkan dapat memberikan wawasan bagi praktisi keuangan dan regulator untuk mendukung keputusan investasi yang lebih terinformasi di era digital.
Co-Authors Ayu Agustin Fauziah, Iis Kustina, Lisa Millah, Duriyyatul Rahma, Aisatu Sunita Dasman