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All Journal Jurnal Ilmiah Ekonomi dan Manajemen Aksi Kita: Jurnal Pengabdian Kepada Masyarakat Indonesia Economic Journal
Septiannisa Paramita
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Economics, Econometrics & Finance Environmental Science Social Sciences Other

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Journal : Indonesia Economic Journal

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Analisis Faktor-Faktor yang Mempengaruhi Pengelolaan Keuangan Pribadi Mahasiswa Hikmayani Subur; Septiannisa Paramita
Indonesia Economic Journal Vol. 1 No. 2 (2025): DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/4ae02215

Abstract

This study aims to analyze the factors influencing personal financial management among students at the Faculty of Economics and Business, Makassar State University. Using a descriptive qualitative approach, data were collected through in-depth interviews, non-participatory observation, and documentation from 12 purposively selected informants. Thematic analysis revealed five main factors influencing students' financial behavior: financial literacy, a consumptive lifestyle, limited income, social influences, and mindsets about money. Although students have a basic understanding of financial concepts such as recording expenses and budgeting, their application is often hampered by a lack of discipline, social pressure, and consumptive habits influenced by digital media and peer groups. Limited income also hinders the ability to plan long-term finances, leading some students to experience financial stress and unstable financial behavior. Furthermore, mindsets about money have been shown to shape students' financial decisions, with a positive mindset increasing the likelihood of wiser financial behavior. These findings emphasize the importance of applicable financial literacy education, strengthening self-control, and developing a healthy financial mindset to improve the quality of students' personal financial management.
Co-Authors Abdul Rajab Hikmayani Subur Irwandi Nurliana Wahyu Muh Syata