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All Journal Jurnal Penelitian Ekonomi dan Bisnis Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Melati Oktafiyani
Universitas Dian Nuswantoro Semarang
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Perilaku Pengelolaan Keuangan Penggemar Produk Kolaborasi di Kalangan Mahasiswa: Pengaruh Financial Literacy, Lifestyle, Self-Control, dan Sikap Keuangan Amelia Sukma Rosilawati; Melati Oktafiyani; Ririh Dian Pratiwi; Entot Suhartono
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.8876

Abstract

This research aims to evaluate the impact of financial literacy, lifestyle, self-control, and financial attitudes on the financial management practices of students at the Faculty of Economics and Business, Dian Nuswantoro University Semarang, particularly those involved in the purchase of collaborative products. The type of research conducted is quantitative research utilising primary data. The sampling process was conducted using the purposive sampling method. The population that is the subject of the research is active students in the Faculty of Economics and Business at Dian Nuswantoro University, totalling 2820 students. The total sample used was 338 students who had purchased or used collaborative products. The analysis method applied is multiple linear regression. The results of the data analysis show that financial literacy, lifestyle, self-control, and financial attitudes have a significant influence on students financial management. the obtained coefficient of determination value is 0,975 or 97,5 percent of financial management is influenced by financial literacy, lifestyle, self-control, and financial attitudes, while the remaining 2,5% variation is influenced by other variables not included in this study.
Cryptocurrency Adoption Under Institutional Dualism Extending Technology Acceptance Model Among Indonesian Generation Z Erix Galih Pratama; Melati Oktafiyani; Hayu Wikan Kinasih; Dian Festiana Hadi Saputro; Mohamed Abdualwhab Ali Alfared
Jurnal Penelitian Ekonomi dan Bisnis Vol. 11 No. 2 (2026): September 2026
Publisher : Universitas Dian Nuswantoro Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jpeb.v11i2.17793

Abstract

This study examines how perceived usefulness, ease of use, and perceived risk mediate the relationship between technology awareness and behavioral intention to adopt cryptocurrency among Indonesian Generation Z, with government support as a moderator under institutional dualism. A quantitative cross-sectional design was executed using Partial Least Squares Structural Equation Modeling (PLS-SEM) on a sample of 335 respondents ( ). Results reveal that perceived usefulness (indirect effect = 0.291, ) and ease of use (indirect effect = 0.158, ) significantly mediate adoption intention, whereas perceived risk does not (indirect effect = 0.011, ). Crucially, perceived risk directly predicts intention positively ( , ), indicating Generation Z perceives risk as a signal of high return potential rather than a barrier. Government support moderates only the awareness, ease of use, and intention pathway (Index of Moderated Mediation = 0.014, ). This study establishes institutional ambiguity as a critical boundary condition for technology acceptance models, where regulatory dissonance suppresses or inverts classical risk mediation. Policy effectiveness hinges on harmonizing regulatory frameworks between financial and monetary authorities.
Co-Authors Amelia Sukma Rosilawati Dian Festiana Hadi Saputro Entot Suhartono Erix Galih Pratama Hayu Wikan Kinasih Mohamed Abdualwhab Ali Alfared Ririh Dian Pratiwi