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The Influence of Financial Literacy and Lifestyle on Financial Management Behavior in College Students Fadila Sardita; Friyatmi Friyatmi
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.7973

Abstract

Financial literacy and lifestyle are important factors in shaping students' financial management behavior. However, studies examining the influence of these two variables simultaneously and the gap between financial management knowledge and practice are still limited. This study aims to analyze the influence of financial literacy and lifestyle on the financial management behavior of undergraduate students in the Faculty of Economics and Business, Padang State University. This study used a quantitative approach with an associative survey design. The population in this study were undergraduate students of the Faculty of Economics and Business, Padang State University, with a sample of 97 respondents selected using proportional random sampling technique. Data were collected through a closed-ended Likert-scale questionnaire to measure lifestyle and financial management behavior, and an objective multiple-choice test to measure financial literacy. The obtained data were analyzed using multiple linear regression analysis techniques. The results showed that partially financial literacy did not significantly influence students' financial management behavior. Conversely, lifestyle had a positive and significant effect on financial management behavior. Simultaneously, financial literacy and lifestyle significantly influenced students' financial management behavior with a contribution of 24.8%. The conclusion of this study indicates a knowledge-action gap among students, namely a condition where the level of financial knowledge is not fully reflected in financial management behavior. Furthermore, lifestyle is a more dominant factor influencing students' financial decisions. This research provides theoretical and practical implications for the development of financial education that focuses not only on increasing knowledge but also on developing a controlled and financially responsible lifestyle.
THE EFFECT OF PROBLEM-BASED LEARNING MODEL ON STUDENTS' CRITICAL THINKING SKILLS IN ECONOMICS CLASS XI SMA Suci Rahmadani; Friyatmi Friyatmi
JURNAL ECONOMICA : Research of Economic And Economic Education Vol 13, No 2 (2025): Economica: Journal Of Economic And Economic Education
Publisher : Economic Education Faculty of Economics and Business Universitas PGRI Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22202/economica.2025.v13.i2.9614

Abstract

This study aims to determine the effect of problem-based learning model (X1) on students' critical thinking skills in economics class XI SMA at SMAN 1 Linggo Sari Baganti. This research is an experimental research with posttest only control group design. The population in this study were all grade XI students at SMAN 1 Linggo Sari Baganti. The sample in this study consisted of 1 control class and 1 experimental class. Data collection techniques in the form of critical thinking skills posttest. Instrument validation was carried out by expert validators, namely lecturers of the Department of Economic Education, Faculty of Economics and Business, Padang State University. The results of data analysis showed that the problem-based learning model had a significant effect on students' critical thinking skills in economics class XI SMA at SMAN 1 Linggo Sari Baganti.