Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Jurnal Ilmiah Multidisiplin Ilmu
Dewi Aisyah Eldiani Boru Tobing
Unknown Affiliation
Other

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
PERAN PERENCANAAN KEUANGAN PRIBADI DALAM MEWUJUDKAN STABILITAS KEUANGAN MAHASISWA DI TENGAH TREN GAYA HIDUP DIGITAL Dewi Aisyah Eldiani Boru Tobing; Kristina Wanti Aritonang; Revalia Khumairani; Ines Imelda ZR
Jurnal Ilmiah Multidisiplin Ilmu Vol. 3 No. 2 (2026): April : Jurnal Ilmiah Multidisiplin Ilmu (JIMI)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/mdrjge84

Abstract

The development of a digital lifestyle influences students’ financial management behavior. This study aims to understand how students plan and manage their personal finances in the digital era. This research employs a descriptive qualitative approach, with data collected through semi-structured interviews involving five active students from the University of Bengkulu selected using purposive sampling. The findings indicate that students generally have an initial awareness of financial planning, such as budgeting their allowances and saving money; however, these practices are not consistently implemented and lack structured financial records. Furthermore, the ease of digital financial services enhances transaction efficiency while simultaneously increasing consumptive behavior, particularly due to promotions and paylater features. The main challenges include limited income and low control over spending. This study concludes that students’ financial stability is determined by the balance between financial literacy, financial planning, and consumption control.
Co-Authors Ines Imelda ZR Kristina Wanti Aritonang Revalia Khumairani