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Pengaruh literasi keuangan, gaya hidup dan lingkungan sosial terhadap pengelolaan keuangan mahasiswa Studi Kasus Mahasiswa Fakultas Ekonomi Universitas Al-Azhar Medan Bagus Hadi Pratama; Syamsul Bahri Subakti; Aria Masdiana Pasaribu
BONANZA : Jurnal Ilmiah Ekonomi, Bisnis dan Keuangan Vol. 6 No. 2 (2026): Agustus 2026
Publisher : Fakultas Ekonomi Universitas Al-Azhar Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54123/bonanza.v6i2.558

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and social environment on student financial management at the Faculty of Economics, Al-Azhar University, Medan. The observed phenomenon is the lack of financial management awareness among students despite the growing accessibility of financial information. This research employed a descriptive quantitative approach using a survey method. Primary data were collected through questionnaires distributed to 51 respondents from the 2022 Management Program. The data were analyzed using multiple linear regression with the assistance of SPSS 2024 to test both partial and simultaneous effects among variables. The findings revealed that financial literacy had a positive and significant effect on financial management (tcount = 2.589 > ttable = 1.678; sig. 0.013 < 0.05). Lifestyle had no significant effect (tcount = 1.175 < ttable = 1.678; sig. 0.246 > 0.05), while social environment had a positive and significant influence (tcount = 3.067 > ttable = 1.678; sig. 0.004 < 0.05). Simultaneously, the three variables significantly affected student financial management (Fcount = 26.143 > Ftable = 2.48; sig. 0.000 < 0.05). These results indicate that financial literacy and a supportive social environment are crucial in shaping students’ financial behavior. Conversely, lifestyle does not directly affect financial management due to economic limitations that restrict spending habits. The study concludes that improving financial literacy and fostering a positive social environment can enhance students’ financial management. It is recommended that the university conduct financial education programs and social activities promoting responsible financial behavior.
THE ROLE OF THE BOARD OF COMMISSIONERS IN IMPROVING THE QUALITY OF FINANCIAL REPORTS: THE INFLUENCE OF AGE, EXPERIENCE AND EDUCATION ON TRADE, SERVICES AND INVESTMENT COMPANIES Ferry Safriandi; Aria Masdiana Pasaribu; Windy Aginta
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 1 (2025): DECEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v5i1.1342

Abstract

This study aims to determine the effect of age, experience, and education of board commissioners on the quality of financial reports in companies in the trading, service, and investment sectors listed on the Indonesia Stock Exchange (IDX). The method used in this study is descriptive quantitative. The population of this study are companies in the trading, service, and investment sectors listed on the IDX. The sample size is 49. The analysis technique used is multiple linear regression The results of this study are the t-count value I is greater than the t-table value (-0.117 smaller than I 2.028) and the significant value of 0.907 I is greater than 0.05 I indicates that age partially has no effect on the quality of financial reports. The t-count value I is greater than the t-table value (-0.570 smaller than I 2.028) and the significant value of 0.570 I is greater than 0.05 I indicates that experience partially has no effect on the quality of financial reports. The t-count value I is greater than the t-table value (-0.874 smaller than I 2.028) and the significant value of 0.385 greater than 0.05 I indicates that education has partially no effect on the quality of financial reports. According to Table 3, the calculated F value for each variable (age, experience, and education of the board of commissioners) is 0.408, with a significance level of 0.748, which is greater than 0.05. Therefore, it can be concluded that each independent variable (age, experience, and education of the board of commissioners) simultaneously has no effect on the dependent variable (financial reporting quality).