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All Journal Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital Jurnal Ekonomi Manajemen Dan Bisnis (JEMB)
Natasya Amelya
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Peran Biaya Peluang dalam Pengambilan Keputusan Usaha Mahasiswa Politeknik Negeri Medan Natasya Amelya; Raihana Syahira; Rico Natanael Hagana Bangun
Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital Vol. 2 No. 4 (2025): November : Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital
Publisher : Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jimakebidi.v2i4.968

Abstract

This study focuses on analyzing students' business decisions at Medan State Polytechnic, considering the role of opportunity costs. The approach used is a descriptive quantitative method, with 32 active students taken as samples through purposive sampling. The researcher used a questionnaire with a Likert scale of 1-5 for Opportunity Cost (X) and Student Business Decision (Y) respectively. The Opportunity Cost obtained an average of 3.85 and Business Decision 4.01, which are in the high category. This indicates that students are rational and thorough in their business decisions. This supports students' understanding of opportunity costs and student business decision making, which suggests that opportunity costs have a positive influence.
Pengaruh Edukasi Keuangan terhadap Manajemen Keuangan Pribadi Mahasiswa Perantau di Politeknik Negeri Medan Kurniawan, Egi Dwi; Munthe, Faiz Ramadhani; Nadin I Pakpahan; Natasya Amelya; Nia Paisah Ruminda
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 3 No. 3 (2026): In Press
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v3i3.6318

Abstract

Students are faced with the challenge of managing their finances independently without family supervision, making financial literacy and education crucial for supporting their academic success and meeting daily needs. This study aimed to determine the level of financial education of out-of-town students at the Medan State Polytechnic, understand their personal financial management skills, and analyze the impact of financial education on such management. This study employed a qualitative approach with a case study method. Data were collected through a Google Form questionnaire from ten out-of-town students selected using a purposive sampling technique. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The results showed that out-of-town students acquired financial knowledge primarily from personal experience, the internet, their environment, parental advice, and the use of technology such as AI. The largest student expenses were food and transportation, while the main challenges in financial management included limited pocket money, unexpected expenses, and lack of self-control over consumptive behavior. Financial education was shown to have positive benefits on students' ability to manage budgets and make financial decisions. Overall, this study confirms that financial management education plays a crucial role in improving the quality of out-of-town students' personal financial management. These findings are expected to provide a basis for educational institutions in developing more practical financial literacy programs to support students' financial independence.
Co-Authors Kurniawan, Egi Dwi Munthe, Faiz Ramadhani Nadin I Pakpahan Nia Paisah Ruminda Raihana Syahira Rico Natanael Hagana Bangun