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INDONESIA
JURNAL ECONOMIA
ISSN : 18582648     EISSN : 24601152     DOI : -
Core Subject : Economy,
Jurnal Economia (JECO) is published by Faculty of Economics, Yogyakarta State University. It publishes theoretical or research manuscripts related to 1. Economics 2. Accounting 3. Management 4. Business 5. Entrepreneurship, and 6. Finance
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Articles 283 Documents
Marginal Part-Time Employment in Indonesian Labor Market: Profile and Determinant Dede Mahmuda
Jurnal Economia Vol 16, No 2: October 2020
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (521.043 KB) | DOI: 10.21831/economia.v16i2.30818

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Abstract: The increase of marginal part-time employment has been found in developed countries, as well as in developing countries. This form of non-standard employment has very short work hours (less than 15 hours/week) and no guarantee of stable employment. In Indonesia, the share of part-time worker amongst working population increased from 15.4 percent in 2009 to 22.1 percent in 2018. Unfortunately, few studies discuss about marginal part-time employment. Using binary logistic regression, this study aims to identify marginal part-time workers based on their socio-demographic characteristic. The result indicates that female (OR: 1.81; 95% CI: 1.75-1.87), living in rural area (OR: 1.12; 95% CI: 1.08-1.16), and less educated are more likely to be marginal part-timer. Therefore, it is recommended for policymakers to ensure the labor regulation adequately protect the rights of part-time worker, so that the workers condition can be improved since they are most vulnerable group in the globalized economy.Keywords: non-standard employment, labor market, part-time, Indonesia Pekerja Paruh Waktu Marjinal Pada Pasar Tenaga Kerja Indonesia: Profil dan DeterminanAbstrak: Peningkatan pekerja paruh waktu marjinal telah teramati pada negara-negara maju dan juga negara berkembang. Salah satu bentuk pekerjaan non-standar ini memiliki jam kerja yang sangat pendek (kurang dari 15 jam seminggu) dan tidak adanya jaminan kestabilan pekerjaan. Di Indonesia, proporsi pekerja paruh waktu diantara penduduk bekerja meningkat dari 15,4 persen pada 2009 menjadi 22,1 persen pada 2018. Sayangnya, hanya sedikit studi yang membahas tentang pekerjaan paruh waktu marjinal. Dengan menggunakan regresi logistik biner, studi ini bertujuan untuk mengidentifikasi pekerja paruh waktu marjinal berdasarkan karakteristik sosio-demografinya. Hasil menunjukkan bahwa perempuan (OR: 1,81; 95% CI: 1,75-1,87), penduduk desa (OR: 1,12; 95% CI: 1,08-1,16), dan kurang berpendidikan berisiko lebih besar menjadi pekerja paruh waktu marjinal. Oleh karena itu, direkomendasikan bagi pembuat kebijakan untuk dapat memastikan peraturan ketenagakerjaan cukup untuk melindungi hak-hak pekerja paruh waktu khusus yang termarjinal agar kondisi pekerja dapat ditingkatkan karena mereka adalah kelompok paling rentan dalam ekonomi global.Kata kunci: pekerjaan non-standar, pasar tenaga kerja, paruh waktu, Indonesia
The Influence of Profitability on Firm Value with Capital Structure as The Mediator Novi Mubyarto
Jurnal Economia Vol 16, No 2: October 2020
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (734.843 KB) | DOI: 10.21831/economia.v16i2.30405

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Abstract: The purpose of this research was to determine the direct and indirect effect of profitability on firm value using capital structure as a mediator. This involves using panel data from 44 companies listed on LQ45 as of 31st December 2015-2018 and analyzed using the path analysis method including Sobel Test and Bootstrapping technique. The results showed a positive and significant direct effect of profitability on firm value while the indirect effect using capital structure as a mediator between the two variables was found to be negative and significant. Moreover, the direct influence of capital structure on firm value was discovered to be negative and significant while the introduction of profitability variables in the relationship led to a positive and significant influence. Similarly, the direct effect of profitability on firm value using capital structure as the controlling variable was also found to be positive and significant.Keywords: firm value, capital structure, profitabilityPengaruh Profitabilitas Terhadap Nilai Perusahaan dengan Struktur Modal Sebagai MediatorAbstrak: Tujuan dari penelitian ini adalah untuk mengkaji bagaimana pengaruh langsung profitabilitas terhadap nilai perusahaan, dan pengaruh tidak langsung melalui struktur modal sebagai mediator. Menggunakan data panel dari 44 perusahaan yang tercatat di LQ45 per tanggal 31 Desember selama periode 2015 sampai 2018. Metode analisis yang digunakan adalah metode analisis jalur (Path Analysis), dengan Teknik Sobel Test dan Bootsrapping. Hasil riset membuktikan bahwa terdapat pengaruh langsung yang positif dan signifikan antara profitabilitas terhadap nilai perusahaan. Namun, jika dilihat secara tidak langsung pengaruh profitabilitas terhadap nilai perusahaan melalui struktur modal sebagai mediator adalah negatif dan signifikan. Selanjutnya, pengaruh langsung profitabilitas terhadap struktur modal adalah negatif dan signifikan. Sementara ketika dikontrol oleh variabel profitabilitas, pengaruh struktur modal terhadap nilai perusahaan positif dan signifikan. Begitu pula dengan pengaruh langsung profitabilitas terhadap nilai perusahaan dengan mengontrol variabel struktur modal juga positif dan signifikan.Kata kunci: nilai perusahaan, struktur modal, profitabilitas
Toward Firm Performance in Indonesia: The Role of Good Corporate Governance and Investment Opportunity Set Dedi Rusdi; Indri Kartika; Maya Indriastuti
Jurnal Economia Vol 17, No 1: April 2021
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (453.874 KB) | DOI: 10.21831/economia.v17i1.35562

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Abstract: This study examined the role of good corporate governance and investment opportunity set in maintaining firm performance. This study's sample population comprised 240 manufacturing companies listed on the Indonesia Stock Exchange from 2016 to 2019. The research sample was selected using a purposive sampling method. The data were analyzed by using structural equation modeling analysis (SEM). The results showed that good corporate governance in terms of board size had a negative effect on firm performance. Meanwhile, good corporate governance in terms of board independence and investment opportunity set had a positive effect on firm performance.Keywords: good corporate governance, investment opportunity set, firm performance Menuju Kinerja Perusahaan di Indonesia: Peran Good Corporate Governance dan Investment Opportunity Set Abstrak: Studi ini menguji peran good corporate governance dan investment opportunity set dalam menjaga kinerja perusahaan. Populasi sampel penelitian terdiri dari 240 perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia dari tahun 2016 hingga 2019. Sampel penelitian dipilih dengan menggunakan metode purposive sampling. Analisis data menggunakan analisis structural equation modeling (SEM). Hasil penelitian menunjukkan bahwa good corporate governance ditinjau dari ukuran dewan komisaris berpengaruh negatif terhadap kinerja perusahaan. Sedangkan good corporate governance ditinjau dari independensi dewan komisaris dan investment opportunity set berpengaruh positif terhadap kinerja perusahaan.Kata kunci: good corporate governance, investment opportunity set, kinerja perusahaan
Student E-Learning Satisfaction During The Covid-19 Pandemic in Bali, Indonesia Ni Kadek Suryani; Ida Ayu Putu Widani Sugianingrat
Jurnal Economia Vol 17, No 1: April 2021
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (557.899 KB) | DOI: 10.21831/economia.v17i1.33196

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Abstract: The Covid-19 has led to comprehensive changes in the education sector. Physical distancing requirements have seen education programs in Denpasar city, Bali province, Indonesia move online. During the Covid-19 pandemic from February-May) 2020, this study was conducted to determine student e-learning satisfaction and e-learning system success. Student satisfaction was measured by e-learning attitude, e-learning quality, and e-learning flexibility. The research was conducted at two private universities in Bali, Indonesia and involved 257 respondents. Respondents were student actively engaged in e-learning during Covid-19. The results found a significant positive relationship between student e-learning attitude and e-learning quality on student e-learning satisfaction, and also student e-learning satisfaction on e-learning system success; however, the influence of e-Learning flexibility on student e-learning satisfaction was not significant. Universities can improve e-learning results by considering the technical limitation students face for e-learning and improving the flexibility of access to online teachers.Keywords: e-learning attitude, e-learning quality, e-learning  flexibility, student e learning satisfaction, e-learning system successKepuasan Siswa Mengikuti E-Learning Selama Pandemi Covid-19 di IndonesiaAbstrak:Terjadinya pandemi Covid-19 mengakibatkan berbagai perubahan terjadi di seluruh dunia, termasuk di sektor pendidikan. Penerapan jarak fisik menyebabkan program pembelajaran dilakukan secara online, termasuk pada program pendidikan di kota Denpasar, Provinsi Bali, Indonesia. Penelitian ini dilakukan selama pandemi Covid-19 (Feb-Mei) 2020, bertujuan untuk mengetahui kepuasan mahasiswa mengikuti program e-Learning dan keberhasilan program e-Learning selama pandemi Covid-19. Pengukuran kepuasan mahasiswa dilakukan melalui variabel sikap mahasiswa, kualitas e-learning, dan fleksibilitas e-learning. Lokasi penelitian dilakukan di dua Universitas swasta di Bali, Indonesia, dengan populasi 718 dan 257 sampel yang diambil menggunakan formula Slovin. Responden adalah mahasiswa aktif yang mengikuti e-learning selama Covid-19. Data dianalisis menggunakan program SmartPLS 3,0. Hasil menemukan bahwa tiga hipotesis diterima dan satu hipotesis ditolak dari empat hipotesis yang diusulkan. Universitas diharapkan untuk memperhatikan waktu dan tempat pelaksanaan yang nyaman bagi mahasiswa dalam mengikuti pembelajaran e-learning demi meningkatkan kepuasan mereka terhadap program e-learning.Kata kunci: sikap e-learning, kualitas e-learning, fleksibilitas e-learning, kepuasan e-learning siswa, keberhasilan sistem e-learning
Factors Affecting Millennial Generation Interest of Using E-Money Afrida Putritama; Rizki Shinta Puspita Sari
Jurnal Economia Vol 16, No 2: October 2020
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (370.086 KB) | DOI: 10.21831/economia.v16i2.29471

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Abstract: This research aims to answer the research gap of previous TAM research, as the factors affecting interest in using e-money on millennials by using 2 aspects of the TAM (ease and usefulness) with promotion and risk of use. This research applied causal-comparative to quantitative research methods. The results imply that: 1) The higher the ease of use of e-money, the higher the interest of millennials in using e-money; 2) Millennials have perceived the benefits from using e-money in transactions which certainly encourages the interest on using it; 3) The more intense the promotion carried out by the publisher, the millennials will be more likely to experience the promotion, so that it can encourage the interest in using e-money; 4) Millennials tend to prioritize the benefits than the risks of using e-money.Keywords: interest to use, e-money, millennials Faktor yang Mempengaruhi Minat Penggunaan E-money pada Generasi MilenialAbstrak: Penelitian ini bertujuan menjawab research gap penelitian TAM terdahulu yaitu mengetahui faktor yang mempengaruhi minat penggunaan e-money pada generasi milenial dengan menggunakan 2 aspek pada teori TAM (kemudahan dan kebermanfaatan) dengan daya tarik promosi dan risiko penggunaan. Penelitian ini menggunakan metode penelitan kuantitatif kausal komparatif. Hasil penelitian ini mengimplikasikan bahwa: 1) Semakin tinggi kemudahan penggunaan e-money yang dirasakan, maka semakin tinggi pula minat generasi milenial untuk menggunakan e-money, 2) Generasi milenial telah merasakan manfaat yang dihadirkan dari penggunaan e-money dalam bertransaksi yang tentunya mendorong minat menggunakan e-money; 3) Semakin gencar promosi yang dilakukan pihak penerbit maka semakin besar kemungkinan generasi milenial merasakan promosi yang diberikan sehingga mampu mendorong minat untuk menggunakan e-money; 4) Generasi milenial cenderung mementingkan manfaat yang didapat dibandingkan dengan risiko yang akan diterima dari penggunaan e-money.Kata kunci: minat penggunaan, e-money, generasi milenial
The Effect of Capital Structure on Company Financial Performance Nini Nini; Dina Patrisia; Agus Nurofik
Jurnal Economia Vol 16, No 2: October 2020
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (64.852 KB) | DOI: 10.21831/economia.v16i2.30661

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Abstract: This study aims to examine the effect of capital structure on the company's financial performance particularly in manufacturing companies listed on the Indonesia Stock Exchange for the 4 years period from 2014 to 2018. Capital structure is measured by Market Total Leverage (MTLEV), Market Long-Term Leverage (MLLEV) and Market Short-Term Leverage (MSLEV). On the other hand, the company's financial performance is measured by Return on Equity (ROE) and Price to Book Value (PBV). The populations in this study are manufacturing companies listed on the Indonesia Stock Exchange and the selection of samples was determined by purposive sampling method, with the final samples as many as 333 company-years. The type of data used is secondary data from IDX using multiple regression analysis methods. The results of the analysis show that the capital structure has negative and significant effect on the company's financial performance in each model.Keywords: capital structure, company financial performance Pengaruh Struktur Modal Terhadap Kinerja Keuangan PerusahaanAbstrak: Penelitian ini bertujuan untuk menguji pengaruh struktur modal terhadap kinerja keuangan perusahaan pada perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia periode 2014-2018. Struktur modal diukur dengan Market Total Leverage (MTLEV), Market Long-Term Leverage (MLLEV) dan Market Short-Term Leverage (MSLEV). Sementara kinerja keuangan perusahaan diukur dengan Return on Equity (ROE) dan Price to Book Value (PBV). Populasi pada penelitian ini adalah perusahaan manufaktur yang terdaftar di Bursa Efek Indonesia. Sampel ditentukan dengan metode purposive sampling, kemudian sampel akhir diperoleh sebanyak 333 perusahaan-tahun. Jenis data yang digunakan adalah data sekunder dari IDX dengan menggunakan metode analisis regresi berganda. Hasil analisis menunjukan bahwa struktur modal berpengaruh negatif dan signifikan terhadap kinerja keuangan perusahaan disetiap model.Keywords: struktur modal, kinerja keuangan perusahaan 
Comparative Analysis of the Determinant Factors of Return on Assets between Islamic Commercial Banks (BUS) and Islamic Business Units (UUS) Lucky Nugroho; Akhmad Amien Mastur; Ulfa Ulfa; Tri Wahyono; Soeharjoto Soeharjoto
Jurnal Economia Vol 17, No 1: April 2021
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1034.456 KB) | DOI: 10.21831/economia.v17i1.34853

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Abstract: This study aimed to analyze and compare the factors that affect the return on assets (ROA) of Islamic commercial banks (BUS) and Islamic business units (UUS). This study’s independent variables are NPF, FDR, and MSMEs. The study used the quantitative method, with multiple regression approaches in analyzing the research data. The results of this study show that the BUS NPF has a negative and significant impact on the BUS ROA; the BUS FDR has a positive and insignificant impact on the BUS ROA; the BUS MSMEs  portion of the BUS loan distribution has a negative and insignificant impact on the BUS ROA; the UUS NPF has a negative and significant impact on the UUS ROA; the UUS FDR has a positive and significant impact on the UUS ROA; and the MSMEs’ portion of the UUS loan distribution has a positive and significant impact on the UUS ROA.Keywords: BUS, UUS, Return on Asset, Non-Performing Financie, Financing to Deposit Ratio, MSME financing Analisis Perbandingan Determinan Faktor Return on Asset antara Bank Umum Syariah (BUS) dengan Unit Usaha Syariah (UUS)Abstrak: Penelitian ini bertujuan untuk menganalisa perbandingan variabel-variabel yang mempengaruhi return on asset pada Bank Umum Syariah (BUS) dengan Unit Usaha Syariah (UUS). Adapun variable-variabel bebas yang digunakan pada penelitian ini adalah non performing financing, financing to deposit ratio dan porsi penyaluran pinjaman usaha mikro, kecil dan menengah (UMKM). Metode yang digunakan adalah kuantitatif dengan pendekatan regresi berganda dalam melakukan analisa penelitian ini. Hasil dari penelitian ini diketahui bahwa NPF BUS berdampak negatif dan signifikan terhadap  ROA BUS; FDR BUS berdampak postif dan tidak signifikan terhadap ROA BUS; porsi penyaluran pinjaman UMKM BUS berdampak negatif dan tidak signifikan terhadap ROA BUS; NPF UUS berdampak negatif dan signifikan terhadap ROA UUS; FDR UUS berdampak positif dan signifikan terhadap ROA UUS; Porsi penyaluran pinjaman UMKM UUS berdampak positif dan signifikan terhadap ROA UUS.Kata kunci: BUS, UUS, ROA, NPF, FDR, Pembiayaan UMKM
Ease of Doing Business Index: An Analysis of Investors Practical View Shakirat Adepeju Babatunde; Mohammed Kayode Ajape; Kabir Dandago Isa; Owolabi Kuye; Eddy Olajide Omolehinwa; Shefiu Abiodun Muritala
Jurnal Economia Vol 17, No 1: April 2021
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1177.486 KB) | DOI: 10.21831/economia.v17i1.33941

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Abstract: This study investigates the effect of Ease of Doing Business Index (EDBI) on Return on Investment (ROI). The study employs a cross-sectional survey design covering five years from 2015 to 2019. The sample is 47 registered companies with the Lagos Chamber of Commerce and Industry, which is the most representative of the organised private sector group in Nigeria. The study adopts descriptive and linear regression statistical analysis. Findings show a statistically significant negative effect of Government policy continuity. The government procurement process, Raw materials availability and Quality of workforce show adverse effects. Traffic and transportation management, power supply and Security infrastructure show insignificant effect on ROI. Hence, findings indicate that Government procurement process is inimical to ease of doing business in Nigeria despite the government improvement efforts. Since government efforts are insufficient, the World Bank should incorporate private sector ideals into EDBI to create a synergy a robust EDBI. Keywords: Ease of Doing Business, ease of doing business index, return on investment, investors, World Bank.      Ease of Doing Business Index: Sebuah Analisis terhadap Pandangan Praktis InvestorAbstrak: Penelitian ini menginvestigasi pengaruh Ease of Doing Business Index (EDBI) terhadap Return on Investment (ROI). Penelitian ini menggunakan desain survei cross-sectional dari tahun 2015 sampai dengan tahun 2019. Sampel penelitian ini adalah 47 perusahaan yang terdaftar di Lagos Chamber of Commerce and Industry. Penelitian ini menggunakan analisis deskriptif dan statistik regresi linear. Dari berbagai elemen EDBI, temuan dari penelitian ini menunjukkan adanya pengaruh negatif yang signifikan antara keterlanjutan kebijakan pemerintah terhadap ROI. Proses pengadaan pemerintah, ketersediaan bahan mentah, dan kualitas tenaga kerja menunjukkan pengaruh berkebalikan dengan ROI. Lalu lintas dan manajemen transportasi, supply listrik, dan infrastruktur keamanan menunjukkan pengaruh tidak signifikan terhadap ROI. Usaha pemerintah dalam meningkatkan proses pengaadaan pemerintah masih belum memadai karena masih kecilnya pengaruh terhadap EDBI Nigeria. World Bank sebaiknya memasukkan pengaruh sektor privat dalam indikator EDBI sebagai upaya menciptakan sinergi antara pemerintah dan sektor privat untuk peningkatan EDBI dan dampaknya pada ekonomi. Kata kunci: Ease of Doing Business, indeks kemudahan berbisnis, pengembalian investasi, investor, Bank Dunia
Financial Performance Analysis on Micro, Small, and Medium Enterprises of Cassava Product in Cibadak, Lebak Regency, Denis Mukarromah; Jubaedah Jubaedah; Miguna Astuti
Jurnal Economia Vol 16, No 2: October 2020
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (524.257 KB) | DOI: 10.21831/economia.v16i2.31232

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Abstract: There are indications of difficult capital access for MSMEs in Lebak. It is shown by Statistic Bureau (BPS) data in Banten Province that only 7.44% of micro and small businesses in Banten obtain or apply for credit, or only 0.95% of Lebak micro and small businesses that can obtain or apply for credit. This research aims to determine the effect of (1) financial literacy on financial performance and (2) financial management on financial performance. This research is quantitative descriptive. The subjects were MSMEs of cassava processed products in Cibadak, Lebak Regency by distributing questionnaire to 86 samples. The data analysis technique used was descriptive analysis and inferential analysis with Partial Least Square (PLS). The results of this research show that (1) financial literacy has a positive effect on financial performance, and (2) financial management has a positive effect on financial performance.Keywords: financial literacy, financial management, financial performance Analisis Kinerja Keuangan pada Pelaku UMKM Produk Olahan Singkong di Cibadak Kabupaten Lebak, BantenAbstrak: Terdapat indikasi sulitnya akses permodalan pada UMKM di Lebak, Banten. Ditunjukan oleh data BPS Provinsi Banten bahwa hanya 7,44% usaha mikro dan kecil di Banten yang memperoleh ataupun mengajukan kredit atau hanya 0,95% dari usaha mikro dan kecil Lebak yang dapat memperoleh atau mengajukan kredit. Penelitian ini bertujuan untuk mengetahui pengaruh (1) literasi keuangan terhadap kinerja keuangan, (2) pengelolaan keuangan terhadap kinerja keuangan. Bentuk penelitian ini adalah deskriptif kuantitatif. Subjek dalam penelitian ini adalah pelaku UMKM produk olahan Singkong di Cibadak, Kabupaten Lebak dengan penyebaran kuisioner pada 86 sampel. Teknik analisis data yang digunakan adalah analisis deskriptif dan analisis inferensial dengan Partial Least Square (PLS). Hasil penelitian ini menunjukan (1) literasi keuangan berpengaruh positif terhadap kinerja keuangan, dan (2) pengelolaan keuangan berpengaruh positif terhadap kinerja keuangan.Kata kunci: literasi keuangan, pengelolaan keuangan, kinerja keuangan
Money Management Behavior and Issues among Congolese University Students: Requirement for Educational Finance Vigoureux Chinyabuuma; Suprapto Suprapto; Muhammad Imron Romadhon
Jurnal Economia Vol 16, No 2: October 2020
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (397.751 KB) | DOI: 10.21831/economia.v16i2.30434

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Abstract: This study investigated the factors that influence a number of financial issues students face in the Democratic Republic of Congo. A survey was conducted to collect the data for this study. Respondents were asked to demonstrate which of the ten financial education topics they were keen on taking. Descriptive statistics was utilized to present the data. The results show that loans, residential status, and impulse spending were the causes that brought about the students’ financial issues. By identifying the causes of students’ financial issues, educators may be able offer a course, in which students can learn the money management skills needed to address these issues. The respondents were asked if they would be interested in financial education if offered. Almost all of the students expressed their interest in learning how to manage their money. In conclusion, many of the respondents did not have sufficient knowledge and skills in managing their financial affairs.Keywords: financial issues, loans, residential status, impulse spending, money management Perilaku dan Masalah Pengelolaan Uang di Kalangan Mahasiswa Universitas Kongo: Kebutuhan Keuangan PendidikanAbstrak: Penelitian ini menyelidiki faktor-faktor yang mempengaruhi sejumlah masalah keuangan yang dihadapi siswa di Republik Demokratik Kongo. Sebuah survei dilakukan untuk mengumpulkan data untuk penelitian ini. Responden diminta untuk menunjukkan yang mana dari sepuluh topik pendidikan keuangan yang mereka minati. Statistik deskriptif digunakan untuk menyajikan data. Hasil penelitian menunjukkan bahwa pinjaman, status tempat tinggal, dan pengeluaran impulsif merupakan penyebab yang menimbulkan masalah keuangan siswa. Dengan mengidentifikasi penyebab masalah keuangan siswa, pendidik mungkin dapat menawarkan kursus, agar siswa dapat mempelajari keterampilan pengelolaan uang yang diperlukan untuk mengatasi masalah ini. Para responden ditanya apakah mereka akan tertarik dengan pendidikan keuangan jika ditawarkan. Hampir semua siswa menyatakan minatnya untuk mempelajari cara mengelola uang mereka. Kesimpulannya, banyak responden yang tidak memiliki pengetahuan dan keterampilan yang memadai dalam mengelola urusan keuangannya.Kata Kunci: masalah keuangan, pinjaman, status tempat tinggal, pengeluaran impulsif, pengelolaan uang