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Penguatan Literasi Keuangan dan Manajemen Risiko bagi Santriwati melalui Keteladanan Khadijah dan Aisyah R.A di Pondok Pesantren Darussalam Poris Jaya Kota Tangerang Nesya Angelita; Ela Nurlaela; Yanti Susanti; Andini Rayhana Fasha
JURIBMAS : Jurnal Hasil Pengabdian Masyarakat Vol 4 No 1 (2025): Juli 2025
Publisher : LKP KARYA PRIMA KURSUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62712/juribmas.v4i1.472

Abstract

Tingkat literasi keuangan di kalangan santriwati Pondok Pesantren Darussalam Poris Jaya masih tergolong rendah, sehingga berpotensi menghambat kemandirian finansial mereka di masa depan. Program pengabdian ini bertujuan meningkatkan pemahaman dan keterampilan santriwati dalam manajemen keuangan dan risiko berbasis nilai-nilai Islam dengan meneladani Khadijah dan Aisyah R.A. Kegiatan dilaksanakan pada 27 Juni 2025 dengan melibatkan 82 peserta, menggunakan metode psikoedukasi melalui penyuluhan, studi kasus, simulasi penyusunan anggaran, dan diskusi kelompok. Evaluasi dilakukan dengan pre-test dan post-test untuk mengukur peningkatan pemahaman. Hasil menunjukkan adanya peningkatan pemahaman sebesar 42% dalam literasi keuangan dan 38% dalam manajemen risiko keuangan. Santriwati juga menunjukkan keterampilan baru dalam menyusun anggaran, menabung, dan mengantisipasi risiko keuangan sehari-hari. Program ini efektif dalam memperkuat literasi keuangan syariah dan layak dijadikan model edukasi di pesantren lain untuk mempersiapkan generasi santri yang mandiri secara finansial.
ANALYSIS OF THE INFLUENCE OF THE LOVE OF MONEY, LIFESTYLE AND USE OF SHOPEE PAYLATER ON STUDENTS' PERSONAL FINANCIAL MANAGEMENT Yanti Susanti; Nesya Angelita
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 3 No. 4 (2025): August
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v3i4.573

Abstract

This study aims to determine the influence of the love of money, lifestyle and use of Shopee Paylater on students' personal financial management. The population used is students of the digital business study program at Yatsi Madani University class of 2023 who use Shopee Paylater. The sample consisted of 105 respondents, which were taken by purposive sampling method. The hypothesis testing technique in this study uses statistical analysis consisting of multiple linear regression, F test, t-test and determination coefficient (R2) using the help of the SPSS 25 system. The research data is sourced from primary data and is taken by distributing questionnaires. The results of the study show that there is a relationship between independent variables, namely the use of Shopee Paylater, and the dependent variable of students' personal financial management. Based on the results of the study, it can be seen that Love of Money (X1) and Lifestyle (X2) have a significant influence on students' personal financial resources. However, in the variable Use of Shopee Paylater (X3), there is no effect on the student's personal financial management. The conclusion in this study confirms that some students have a positive view of the love of money or have a desire to follow a lifestyle, on the contrary, the use of Shopee Paylater has been proven to have no positive influence on students' personal financial management. Because the ease of access to credit has not fully encouraged improved discipline or better financial planning among students.