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All Journal IKRA-ITH EKONOMIKA Jurnal Publikasi Ekonomi dan Akuntansi
Malik Ramadhan Pasaribu
Universitas Negeri Medan
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan dan Kepercayaan terhadap Penggunaan Lembaga Keuangan Bank dan Non-Bank pada Mahasiswa Pendidikan Ekonomi 2024 UNIMED Shesy Eightia Tinambunan; Malik Ramadhan Pasaribu; Nadine Winata Silitonga; Siti Aisyah
IKRAITH-EKONOMIKA Vol. 9 No. 2 (2026): IKRAITH-EKONOMIKA Vol 9 No 2 Juli 2026
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan kepercayaan terhadap penggunaan lembaga keuangan bank dan non-bank pada mahasiswa . Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data melalui kuesioner menggunakan skala Likert 1–5 yang disebarkan secara daring kepada mahasiswa sebagai responden. Teknik analisis data yang digunakan meliputi uji validitas, uji reliabilitas, serta analisis regresi linear berganda dengan bantuan aplikasi SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan dan kepercayaan secara parsial maupun simultan berpengaruh positif dan signifikan terhadap penggunaan lembaga keuangan. Secara parsial, literasi keuangan memiliki nilai signifikansi sebesar 0,009 < 0,05, sedangkan kepercayaan sebesar 0,027 < 0,05. Secara simultan, kedua variabel memiliki pengaruh signifikan dengan nilai signifikansi sebesar 0,001 < 0,05. Nilai koefisien determinasi (R²) sebesar 0,478 menunjukkan bahwa 47,8% variasi penggunaan lembaga keuangan dapat dijelaskan oleh literasi keuangan dan kepercayaan, sedangkan sisanya dipengaruhi oleh faktor lain di luar penelitian Berdasarkan hasil tersebut, dapat disimpulkan bahwa peningkatan literasi keuangan dan kepercayaan secara bersama-sama mampu mendorong penggunaan lembaga keuangan yang lebih optimal di kalangan mahasiswa.Kata kunci: literasi keuangan, kepercayaan, lembaga keuangan, mahasiswa
Pengaruh Inflasi dan Pengangguran Terhadap Pendapatan Nasional Di Indonesia Victor Julius Rumahorbo; Ages Hazire Marbun; Malik Ramadhan Pasaribu
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 3 (2026): September : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i3.7350

Abstract

One of the significant measures used to gauge citizens' well-being and the degree of economic activity is national income. Inflation and the unemployment rate are only two of the many macroeconomic variables that have an impact on national income fluctuations. Low national production can result from high unemployment, which suggests that the labor utilized in production has not been optimized. Uncontrolled inflation, on the other hand, can decrease people's purchasing power and interfere with economic activity. This research seeks to investigate the effects of inflation and unemployment on Indonesia's national income from 2000 to 2024, both independently and concurrently. The research methodology is quantitative, employing secondary data from official government sources. Inflation and unemployment are among the variables examined as independent variables, with national income (as measured by Gross Domestic Product) serving as the dependent variable. Classical assumption testing, descriptive statistical methods, F-tests, multiple linear regression, t-tests, and the coefficient of determination were used to analyze the data.The study findings show that inflation has a big impact on national income. It has also been demonstrated that unemployment has a noticeable impact on a country's revenue. Furthermore, national income is significantly affected by both inflation and unemployment at the same time. The coefficient of determination shows that these two factors may account for most of the difference in national income. These findings imply that increasing national income requires both maintaining inflation stability and lowering unemployment. Thus, the administration must keep improving inflation control measures, generating more jobs, raising the caliber of its workforce, and fostering investment in order to promote long-term economic growth and enhance public wellbeing.
Co-Authors Ages Hazire Marbun Nadine Winata Silitonga Shesy Eightia Tinambunan Siti Aisyah Victor Julius Rumahorbo