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All Journal Jurnal Ekonomi Manajemen Dan Bisnis (JEMB)
Munthe, Faiz Ramadhani
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Economics, Econometrics & Finance

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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): Januari
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.
DAMPAK PENGGUNAAN E-WALLET TERHADAP PENGELOLAAN KEUANGAN DAN BELANJA MAHASISWA Munthe, Faiz Ramadhani; Simamora, Gebry Ella; Silalahi, Theodora Angel
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 3 No. 3 (2026): Januari
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v3i3.6523

Abstract

Penelitian ini bertujuan menganalisis pengaruh penggunaan e-wallet terhadap perilaku belanja, pengelolaan keuangan, dan literasi keuangan digital mahasiswa perantau di Politeknik Negeri Medan. Penelitian menggunakan metode kuantitatif deskriptif dengan dukungan analisis tematik terhadap tanggapan terbuka responden. Data dikumpulkan melalui kuesioner daring menggunakan Google Form selama satu minggu pada September 2025. Responden merupakan mahasiswa perantau dari berbagai jurusan yang telah menggunakan e-wallet minimal enam bulan terakhir. Hasil penelitian menunjukkan bahwa DANA menjadi e-wallet paling dominan digunakan untuk kebutuhan harian seperti makanan, transportasi, dan pembayaran tagihan. Analisis menghasilkan empat tema utama, yaitu kemudahan transaksi, pengaruh promo terhadap perilaku konsumtif, pengendalian keuangan pribadi, dan literasi keuangan digital. E-wallet memudahkan transaksi dan membantu pencatatan pengeluaran, namun juga memicu perilaku konsumtif akibat promosi dan kemudahan akses. Secara keseluruhan, e-wallet berdampak positif terhadap efisiensi dan kesadaran finansial mahasiswa, tetapi dapat menimbulkan risiko konsumtif jika tidak disertai kontrol diri. Temuan ini menegaskan pentingnya literasi keuangan digital agar mahasiswa mampu menggunakan teknologi finansial secara bijak dan bertanggung jawab.
Co-Authors Kurniawan, Egi Dwi Nadin I Pakpahan Natasya Amelya Nia Paisah Ruminda Silalahi, Theodora Angel Simamora, Gebry Ella