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All Journal Angkasa: Jurnal Ilmiah Bidang Teknologi El-Iqtishady
Umi Zakiyah
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Computer Science & IT Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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PENGARUH LITERASI KEUANGAN DAN LIFESTYLE SANTRI TERHADAP MANAJEMEN KEUANGAN PRIBADI SANTRI DI PONDOK PESANTREN AL-KAUTSAR KRAKSAAN PROBOLINGGO Umi Zakiyah; Nuntupa; Yeni Kartikawati
El-Iqthisadi Vol 7 No 1 (2025): Juni
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.v1i1 Juni.56348

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan lifestyle santri terhadap manajemen keuangan pribadi santri di pondok pesantren Al-kautsar Kraksaan Probolinggo. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan eksplanatif. Sampel penelitian terdiri dari 81 santri yang dipilih melalui teknik simple random sampling. Data dikumpulkan menggunakan kuesioner dan dianalisis dengan regresi linier berganda menggunakan SPSS 26. Hasil penelitian menunjukkan bahwa literasi keuangan memiliki pengaruh negatif terhadap manajemen keuangan pribadi santri, yang berarti bahwa pemahaman keuangan yang baik tidak selalu berbanding lurus dengan pengelolaan keuangan yang efektif. Sebaliknya, lifestyle santri memiliki pengaruh positif yang signifikan, menunjukkan bahwa kebiasaan konsumsi santri berperan besar dalam cara mereka mengelola keuangannya. Berdasarkan penelitian ini menegaskan peningkatan literasi keuangan yang lebih praktis, agar santri dapat menerapkan pengetahuan keuangan secara lebih efektif dalam kehidupan sehari-hari. Selain itu, diperlukan pemahaman yang lebih seimbang tentang gaya hidup, sehingga mampu mengelola keuagan mereka secara bijak dalam mengatur keuangan mereka di lingkungan pesantren. Kata Kunci: Literasi Keuangan, Lifestyle, Manajemen Keuangan Pribadi Abstract This study aims to analyze the influence of financial literacy and santri lifestyle on personal financial management of santri at the Al-Kautsar Kraksaan Probolinggo Islamic boarding school. The research method used is quantitative with an explanatory approach. The research sample consisted of 81 santri selected through a simple random sampling technique. Data were collected using a questionnaire and analyzed using multiple linear regression using SPSS 26. The results of the study indicate that financial literacy has a negative influence on personal financial management of santri, which means that good financial understanding is not always directly proportional to effective financial management. On the contrary, santri lifestyle has a significant positive influence, indicating that santri consumption habits play a major role in how they manage their finances. Based on this study, it emphasizes the increase in more practical financial literacy, so that santri can apply financial knowledge more effectively in their daily lives. In addition, a more balanced understanding of lifestyle is needed, so that they are able to manage their finances wisely in managing their finances in the Islamic boarding school environment. Keywords: Financial Literacy, Lifestyle, Personal Financial Management
Analisis Perbandingan Linear Regression dan Long Short Term Memory untuk Prediksi Harga Emas Umi Zakiyah; Esi Putri
Angkasa: Jurnal Ilmiah Bidang Teknologi Vol 18, No 3 (2026): Agustus
Publisher : Institut Teknologi Dirgantara Adisutjipto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28989/angkasa.v18i3.4031

Abstract

This study aims to analyze and compare the performance of the Linear Regression and Long Short-Term Memory (LSTM) models in predicting gold prices. Gold price data was processed through a preprocessing stage that included data normalization and dataset splitting using three skenarios: 70:30, 80:20, and 90:10. Model performance was evaluated using Root Mean Square Error (RMSE), Mean Absolute Percentage Error (MAPE), and the coefficient of determination (R²). The results show that both models are capable of producing predictions with high accuracy across all testing skenarios. However, the Linear Regression model performs better than the LSTM. The best skenario for Linear Regression was obtained with a 70:30 data split, yielding an RMSE of 24.92, a MAPE of 0.76%, and an R² of 0.9986. Meanwhile, the Long Short performed best in the 80:20 and 90:10 skenarios, with the lowest Root Mean Square Error of 35.84 in the 80:20 skenario, as well as the lowest Mean Absolute Percentage Error of 0.98% and the highest coefficient of determination of 0.9967 in the 90:10 skenario. The results of the study indicate that the gold price data patterns during the study period can be well represented by the Linear Regression model, resulting in a lower prediction error rate compared to the LSTM model. Therefore, Linear Regression can be recommended as the more optimal model for predicting gold prices using the dataset employed in this study
Co-Authors Esi Putri Nuntupa Yeni Kartikawati