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All Journal JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) JPM
Delina Herdian Septiani
IPB University
Humanities Economics, Econometrics & Finance Public Health Social Sciences Other

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Financial Literacy Factors And Financial Attitudes In Influencing Student Financial Behavior Hani Fitria Rahmani; Delina Herdian Septiani; Muhammad Alam Mauludina
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.4364

Abstract

The financial behavior of students shows a tendency toward consumption, leading to poor financial management. This study aims to analyze the influence of financial literacy and financial attitudes on the financial behavior of accounting students at IPB University. A quantitative method with descriptive and associative approaches was employed. A sample of 74 active students was selected using purposive sampling. The results show that both financial literacy and financial attitudes have significant partial and simultaneous effects on financial behavior. Financial literacy contributes 49.5% and financial attitude 24.9%, with both explaining 74.4% of behavioral variance. These findings emphasize the importance of integrating financial knowledge and attitudes to foster responsible financial behavior. The findings imply the need for structured financial literacy curriculum and programs aimed at developing positive financial attitudes in higher education.
Sustainable Agropreneurship: Transformasi Santri Pesantren Al-Qudwah Tasikmalaya Menuju Wirausaha Hijau dan Berkelanjutan Hani Fitria Rahmani; Delina Herdian Septiani; Muhammad Alam Mauludina; Kharisma Fitri Hapsari; Ratih Pratiwi; Eka Merdekawati; Rizky Hadiansah
Jurnal Pengabdian Masyarakat Vol. 4 No. 1 (2026): Januari-JPM
Publisher : PDPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58818/jpm.v4i1.138

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan kapasitas santri Pesantren Al-Qudwah Tasikmalaya dan ibu-ibu Kelompok Wanita Tani (KWT) Desa Cikalang dalam bidang agropreneurship dan literasi keuangan. Metode pelaksanaan menggunakan pendekatan partisipatif melalui tahapan observasi, perancangan modul, pelatihan, pendampingan, serta evaluasi. Hasil pengabdian menunjukkan peningkatan signifikan pada keterampilan pengemasan produk pertanian menjadi kemasan premium dengan label “Produk Santri Al-Qudwah” yang lebih higienis dan bernilai jual tinggi. Selain itu, literasi keuangan peserta juga meningkat, ditandai dengan kemampuan menggunakan buku kas sederhana dan meningkatnya kesadaran risiko finansial seperti pinjaman online dan judi online. Kegiatan ini bermanfaat dalam membentuk ekosistem kewirausahaan hijau berbasis pesantren dan desa, memperkuat ketahanan ekonomi keluarga, serta mendukung pencapaian tujuan pembangunan berkelanjutan (SDGs).
Co-Authors Eka Merdekawati Hani Fitria Rahmani Kharisma Fitri Hapsari Muhammad Alam Mauludina Ratih Pratiwi Rizky Hadiansah