Article Per Year (5 Year)
p-Index From 2020 - 2025
0.408
P-Index
This Author published in this journals
All Journal Solusi: Jurnal Kajian Ekonomi dan Bisnis Golden Ratio of Finance Management
Pagiling, Novieanty
Unknown Affiliation
Economics, Econometrics & Finance Environmental Science Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Pengaruh Digital Financial Literacy terhadap Financial Anxiety Mahasiswa di Indonesia: Perspektif dari Akuntansi Keperilakuan Pagiling, Novieanty; Meilissa Suade, Yuyun Karystin; Sharon, St. Salmah; Mambu, Bellatrix Kezia; Burhanuddin, Fia Fauziah
Kajian Ekonomi dan Bisnis Vol. 20 No. 1 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi SBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51277/keb.v20i1.242

Abstract

Low levels of digital financial literacy pose a challenge to achieving inclusive financial participation. Concurrently, rising mental health issues among youth, particularly university students, reflect psychological stress linked to financial instability. This study adopts a quantitative approach using a survey of 176 purposively selected respondents. Data were analyzed using simple linear regression with classical assumption tests. The findings reveal that digital financial literacy has a positive and significant effect on financial anxiety (p < 0.05), although it explains only 10.3% of its variance. These results highlight the need to enhance digital financial literacy and emphasize the importance of contextual and responsive accounting education in addressing both digital transformation and student mental well-being
The Determinants of Financial Literacy, Consumptive Lifestyle and Parental Support on the Emergency Fund Formations among University Student in Makassar: English Giauw, Alfons; Pagiling, Novieanty; Giauw, Vinshen; Tandreas, Felix; Djiemesha, Ritchie; Sumilat, Ian Thomas
Golden Ratio of Finance Management Vol. 5 No. 2 (2025): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i2.1420

Abstract

This study explores the impact of financial literacy, consumptive, lifestyle, and parental support on the formation of emergency funds among university students in Makassar. With the rise of economic uncertainties, student’s ability to manage personal finances—especially saving for emergencies—has become increasingly important. However, many lack the financial knowledge, behavioral discipline, and external support needed to establish such reserves. Using a quantitative approach and survey data from 203 respondents, the study reveals that financial literacy and parental support positively and significantly influence emergency fund formation, while a consumptive lifestyle has a negative and significant effect. The simultaneous analysis shows that these three variables account for 51.8% of the variance in emergency fund formation behavior. These findings highlight the intertwined roles of knowledge, lifestyle habits, and family influence in shaping students’ financial preparedness. The study emphasizes the importance of targeted financial education and parental involvement to enhance students’ financial resilience, and suggests future research explore additional variables such as peer influence and digital finance tools.
Co-Authors Burhanuddin, Fia Fauziah Djiemesha, Ritchie Giauw, Alfons Giauw, Vinshen Mambu, Bellatrix Kezia Meilissa Suade, Yuyun Karystin Sharon, St. Salmah Sumilat, Ian Thomas Tandreas, Felix