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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis MAKSI BULETIN AL-RIBAATH JURNAL PRODUKTIVITAS Journal of Humanities and Social Studies GERVASI: Jurnal Pengabdian kepada Masyarakat International Journal of Economics Development Research (IJEDR) Jurnal Akademi Akuntansi (JAA) Electronic Journal of Education, Social Economics and Technology IIJSE INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen
Fuad Ramdhan Ryanto
Universitas Muhammadiyah Pontianak
Religion Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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The Influence of Financial Literacy, FOMO Lifestyle, and Financial Attitude on Financial Management: A Case Study of University Students in Pontianak City Elvira, Dhina Citra; Ryanto, Fuad Ramdhan
Electronic Journal of Education, Social Economics and Technology Vol 6, No 2 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i2.823

Abstract

This study aims to analyze the influence of financial literacy, Fear of Missing Out (FOMO) lifestyle, and financial attitude on the financial management of university students in Pontianak City. The research employs a quantitative approach with an associative research design. The sample consists of 150 respondents selected through purposive sampling. Data analysis was conducted using multiple linear regression, preceded by validity and reliability tests, along with classical assumption testing. The results indicate that both financial literacy and financial attitude have a positive and significant effect on financial management, while the FOMO lifestyle has a negative and significant effect. Collectively, the three variables have a significant simultaneous impact on students' financial management. These findings highlight the importance of enhancing financial literacy, cultivating positive financial attitudes, and managing the influence of FOMO in shaping healthy financial behavior. The results underscore the need for sufficient financial knowledge and awareness to support responsible financial decision-making among students, particularly in the face of digital social pressures. The study offers practical implications for students to become more discerning in responding to social trends and emphasizes the importance of technology-based educational interventions. Future research is encouraged to explore other psychological factors that may mediate the relationships between variables, such as self-control or impulsive buying behavior.
The Influence of Intellectual Capital, Market Value, and Earnings Per Share on Stock Returns Sulistiani, Astri; Ryanto, Fuad Ramdhan
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 20 No. 3 (2024): Agustus
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v20i3.1800

Abstract

This research aims to determine the influence of Intellectual Capital, Market Value, and Earnings per share on stock returns in financial sector companies for the 2020-2022 period. The population used in this research is financial sector companies on the Indonesia Stock Exchange (BEI) for the 2020-2022 period. number of samples 94 samples. This type of research is quantitative. Secondary data is used in data collection and sampling using purposive sampling techniques with multiple linear data analysis. Using SPSS 23. The results of the research are that the Intellectual Capital and Market Value variables partially have no effect on stock returns. while Earning Per Share has a positive effect on stock returns. In simultaneous testing, the intellectual capital, market value and earnings per share variables together have no effect on stock returns.
The Influence of Financial Literacy, Locus of Control, and Fintech Payments on Personal Financial Management of Working Millennials in Pontianak City Nurzaman, Asep; Ryanto, Fuad Ramdhan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1: Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8332

Abstract

The rapid advancement of financial technology, especially in fintech payment systems, has significantly shaped the financial behavior of millennials in Pontianak City—an age group that dominates the productive population and actively engages in digital financial services. This study investigates the impact of financial literacy, locus of control, and fintech payments on the personal financial management of employed millennials in Pontianak City. Using a quantitative approach with an associative research design, data were gathered through questionnaires administered to 150 purposively selected respondents and analyzed using multiple linear regression. The findings reveal that financial literacy, locus of control, and fintech payments collectively have a significant influence on personal financial management (F = 46.718; p = 0.000). In partial testing, financial literacy (t = 4.878; p = 0.000) and locus of control (t = 5.288; p = 0.000) exhibit positive and significant effects, while fintech payments show no significant impact (t = 1.333; p = 0.185). The coefficient of determination (R²) is 0.493, indicating that 49.3% of the variation in personal financial management can be explained by these three variables. These results underscore the crucial role of enhancing financial literacy and reinforcing self-control to promote sound financial management among millennials.
Co-Authors Alamsyah, Ifan Pradipra Anggraina, Maya Asep Nurzaman Bio Allamanda Dedi Hariyanto Edy Suryadi Elvira, Dhina Citra Eva Pujianti Fenni Supriadi Fevi Tamsihani Fitri Hidayati Laily Ramadhani M. Khairul Anwari Melinda Tri Sundari Muhammad Nur Rizki Mulya Syahbandi Pramanda, Rapita PUTRI, TIARA Reza Umami, Reza Sindi, Sindi Suhada, Muhammad Nazar Sulastri Sulastri Sulistiani, Astri Utami, Tramilia Salsabila