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All Journal Jurnal Pendidikan Ekonomi (JURKAMI) Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship
Husmaruddin Husmaruddin
Universitas Muhammadiyah Palopo
Economics, Econometrics & Finance Education Social Sciences

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Spiritual Integration in Financial Frameworks: Its Relationship to Long-Term Financial Planning and Subjective Well-Being Among Generation Z in South Sulawesi Sri Wahyuni; Husmaruddin Husmaruddin; Goso Goso
Jurnal Maksipreneur Vol 15 No 2 (2026)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v15i2.2632

Abstract

Generation Z in South Sulawesi faces challenges in managing their finances carefully amid a consumerist lifestyle and modernization pressures. This study examines the influence of spiritual integration on long-term financial planning and subjective well-being. A quantitative approach is used, employing the survey method. The carefully prepared questionnaire was administered to 100 respondents from Generation Z, aged 15 to 29, all from South Sulawesi. These respondents were selected using the purposive sampling method. The collected data were then analyzed using the Partial Least Squares Structural Equation Modeling technique, or PLS-SEM for short. The results of the analysis show that spirituality plays a major role in fostering a more responsible financial attitude, improving long-term financial planning, and strengthening people's subjective well-being. In addition, long-term financial planning partially mediates the relationship between spiritual integration and subjective well-being. These findings confirm that a financial approach that incorporates spiritual values can be an effective strategy to improve the quality of life among young people. They highlight the importance of integrating the spiritual dimension into financial education programs.
HUBUNGAN ANTARA FINANSIAL STRESS DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN MAHASISWA DIKOTA PALOPO Andi Tenri Sandi; Husmaruddin Husmaruddin; Adi Firmanzah
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 11, No 1 (2026): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v11i1.5696

Abstract

Financial stress or financial stress is a psychological condition that arises from the inability of individuals to meet financial needs adequately and efficiently. The purpose of this study is to examine the relationship between financial stress and lifestyle on student financial management in the city of Palopo. This study uses a quantitative method with data collected through a questionnaire.the sample used is relatively limited, namely 100 respondents. Using the slovin formula and random sampling. Data analysis was carried out with SPSS 27. The results of the study showed that the financial variable stress had a significant positive influence on financial management, while lifestyle did not have a significant influence on financial management. The insignificance of the influence of lifestyle on financial management shows that students in Palopo City are relatively able to adjust consumption patterns with limited resources. This research contributes to the development of science in the field of financial psychology and behavioral economics, especially related to the relationship between financial stress and lifestyle to student financial management, especially in the city of Palopo.
Co-Authors Adi Firmanzah Andi Tenri Sandi Goso Goso Sri Wahyuni