Journal of Organizational Analysis and Performance
Vol. 2 No. 2 (2026): Journal of Organizational Analysis and Performance

The Effect of Islamic Financial Literacy and Lifestyle on the Financial Behavior of Students at STEI Al Furqon Prabumulih

Ernawati (Sekolah Tinggi Ekonomi Islam Al Furqon Prabumulih)
Fitria (Sekolah Tinggi Ekonomi Islam Al Furqon Prabumulih)
Firda Ariansyah (Sekolah Tinggi Ekonomi Islam Al Furqon Prabumulih)



Article Info

Publish Date
21 Aug 2026

Abstract

This study aims to analyze the influence of Islamic financial literacy and lifestyle on the financial behavior of students at STEI Al Furqon Prabumulih. This study employed a quantitative approach involving a sample of 114 respondents who were active students of STEI Al Furqon Prabumulih. The data were analyzed using multiple linear regression to determine the influence of the independent variables on the dependent variable. The results of the simultaneous test (F-test) showed that the calculated F-value was 166.751, which was greater than the F-table value of 3.08, with a significance value of 0.000 < 0.05. These results indicate that Islamic financial literacy and lifestyle simultaneously have a positive and significant influence on students’ financial behavior. Therefore, it can be concluded that a higher level of Islamic financial literacy and a more appropriate lifestyle are associated with better financial behavior among students. This study highlights the important role of understanding Islamic financial principles and adopting a prudent lifestyle in shaping effective financial management behavior among students at STEI Al Furqon Prabumulih.

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Journal Info

Abbrev

optimanus

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Journal of Organizational Analysis and Performance is an academic journal that accommodates scientific works containing thoughts, empirical studies, and research results on the theme of Management and Accounting. Journal of Organizational Analysis and Performanceis published by the independent ...