Pengaruh Manajemen Keuangan di Kalangan Mahasiswa Sebuah Pendekatan SEM-PLS untuk Uang Saku, Gaya Hidup, Kontrol Diri, dan Literasi Keuangan
Unduhan
Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi pengelolaan keuangan mahasiswa di wilayah Jabodetabek (Jakarta, Bogor, Depok, Tangerang, Bekasi). Penelitian ini melibatkan 206 responden dari Jabodetabek yang memenuhi syarat usia 17-25 tahun dengan menggunakan metode SEM-PLS sebagai pendekatan analisis utama. Hasil penelitian menunjukkan bahwa terdapat beberapa faktor yang menunjukkan korelasi positif terhadap pengelolaan keuangan mahasiswa. Hasil penelitian ini memberikan implikasi praktis yang signifikan bagi pemerintah di wilayah Jabodetabek dalam merancang strategi peningkatan inklusi keuangan yang lebih efektif. Selain itu, lembaga keuangan dapat memanfaatkan temuan penelitian ini untuk mengembangkan produk keuangan yang lebih sesuai dengan preferensi konsumen yang tertarik dengan prinsip-prinsip keuangan. Dengan pemahaman yang lebih baik mengenai faktor-faktor yang mempengaruhi perilaku keuangan syariah, penelitian ini juga dapat memfasilitasi pengelolaan keuangan yang lebih bertanggung jawab, berkelanjutan, dan patuh di masyarakat.
Translated with DeepL.com (free version)
Al-Banna, H. (2019). Muslim Customer Behavior In Halal Food Online Purchasing. Journal of Islamic Monetary Economics and Finance, 5(3), 517–540.
Chen, C. C., Hsiao, K. L., & Wu, S. J. (2018). Purchase intention in social commerce: An empirical examination of perceived value and social awareness. Library Hi Tech, 36(4), 583–604. https://doi.org/10.1108/LHT-01-2018-0007
Derasit, Z., Shariff, S. S. R., Hamid, N. A. A., Sarwani, N., & Shaharuddin, W. N. S. (2020). Exploratory factor analysis in determining consumer awareness toward halal cosmetics. Malaysian Journal of Consumer and Family Economics, 24(S2), 46–59.
Fauziana, H., Wardhana, A. K., & Rusgianto, S. (2022). The Effect of Education, Income, Unemployment, and Poverty toward the Gini Ratio in Member of OIC Countries. Daengku: Journal of Humanities and Social Sciences Innovation, 2(2), 181–191.
Fedorko, I., Bacik, R., & Gavurova, B. (2021). Effort expectancy and social influence factors as main determinants of performance expectancy using electronic banking. Banks and Bank Systems, 16(2), 27–37. https://doi.org/10.21511/bbs.16(2).2021.03
Ghifara, A. S., Iman, A. N., Wardhana, A. K., Rusgianto, S., & Ratnasari, R. T. (2022). The Effect of Economic Growth, Government Spending, and Human Development Index toward Inequality of Income Distribution in the Metropolitan Cities in Indonesia. Daengku: Journal of Humanities and Social Sciences Innovation, 2(4), 529–536.
HC, R. H. K., & Gusaptono, R. H. (2020). The Impact of Financial Literacy on Investment Decisions Between Saving and Credit: Studies on Sharia Bank Customers in the Special Region of Yogyakarta. Journal of Economics and Business, 3(4). https://doi.org/10.31014/aior.1992.03.04.291
Iman, A. N., Sukmana, R., Ghifara, A. S., & Wardhana, A. K. (2022). The Effect of Zakat Collection, Company Age, and Company's Total Assets on Financial Performance of Sharia Banking in Indonesia 2019-2020. Economic Education and Entrepreneurship Journal, 5(2), 217–224.
Iman, A. N., Wardhana, A. K., Rusgianto, S., & Ratnasari, R. T. (2022). Venture vs Investment, Which Type of Financing was more Demanded by Agriculture, Forestry, and Aquaculture Sector? Daengku: Journal of Humanities and Social Sciences Innovation, 2(5), 587–595.
Juliansyah, A. F., Putri, A. E., Suryadana, M. L., Endyana, C., & Wardhana, A. K. (2021). Global Muslim Response to Bandung Halal Tourism Branding. International Journal of Applied Sciences in Tourism and Events, 5(2), 197–206. https://doi.org/https://doi.org/https://doi.org/10.31940/ijaste.v5i2.197-206
Kasri, R. A., Haidlir, B. M., Prasetyo, M. B., Aswin, T. A., & Rosmanita, F. (2020). Opportunities and Challenges in Developing Islamic Pension Funds in Indonesia. Etikonomi, 19(2), 311–322. https://doi.org/10.15408/etk.v19i2.16284
Kementerian Pertanian. (2020). Rencana Strategis Kementerian Pertanian 2020-2024. Kementerian Pertanian Republik Indonesia.
Loestefani, V., Poan, R., Suwitorahardjo, B., & Wardhana, A. K. (2022). Service Quality and Product Quality as An Influence on Customer Loyalty at Naturalis Koffie. FIRM Journal of Management Studies, 7(2), 211–236.
Mafruchati, M., Othman, N. H., & Wardhana, A. K. (2023). Analysis of the Impact of Heat Stress on Embryo Development of Broiler: A Literature Review. Pharmacognosy Journal, 15(5).
Mathematics, R. N.-T. J. of C. and, & 2021, undefined. (2021). Issues And Challenges Of Online Shoppingactivities On The Impact Of Corona Pandemic: A Study On Malaysia Retail Industry. Turcomat.Org, 12(10), 7682–7686. https://www.turcomat.org/index.php/turkbilmat/article/view/5680
Mendo, A. Y., Singh, S. K., Yantu, I., Hinelo, R., Bokingo, A. H., Dungga, E. F., Juanna, A., Wardhana, A. K., Niroula, B., & Win, T. (2023). Entrepreneurial leadership and global management of COVID-19: A bibliometric study. F1000Research, 12(31), 31.
Narli, N., & Oner, Z. H. K. (2018). Implications of Financial Literacy on Women Entrepreneurship in Turkey. ICGR 2018 International Conference on Gender Research, 255.
OJK. (2021). Perkembangan Industri Keuangan Non Bank di Masa Pandemi. Ojk.Co.Id.
Oppi, C., & Galizzi, G. (2024). Gender"responsive budgeting for public value creation: Insights from higher education. Financial Accountability & Management, 40(1), 85–104.
Pratiwi, A. C., Wardhana, A. K., & Rusgianto, S. (2022). Application of Vector Error Correction Model on Macroeconomic Variables toward Changes in the Composite Stock Price Index. Daengku: Journal of Humanities and Social Sciences Innovation, 2(2), 219–229.
Qosim, N., Ratnasari, R. T., Wardhana, A. K., Fauziana, H., & Barkah, T. T. (2023). Eight Years of Research Related to the Green Sukuk in the Global Stock Exchange Market to Support the Implementation of SDG: A Bibliometric Review. Journal of Islamic Economic and Business Research, 3(2), 161–180.
Rahman, I., Ratnasari, R. T., & Wardhana, A. K. (2022). Effect of Certificate of Bank Indonesia Sharia and Indonesian Bank Seven Days Repository Rate to Inflation Ratio in Indonesia During Covid-19 Pandemic. Economic Education and Entrepreneurship Journal, 5(1), 157–174.
Rahman, M. S., Hossain, M. A., Hoque, M. T., Rushan, M. R. I., & Rahman, M. I. (2021). Millennials' purchasing behavior toward fashion clothing brands: influence of brand awareness and brand schematicity. Journal of Fashion Marketing and Management: An International Journal, 25(1), 153–183.
Rashid, N. K. A., Sulaiman, N. F. C., Anang, Z., Possumah, B. T., Muhamad, S., Sa'at, N. H., Hasan, F. A., & Wahid, H. (2021). Survey dataset on the level of sustainable consumption of Malaysian households from the perspective of income and consumption expenditure. Data in Brief, 35, 106743. https://doi.org/10.1016/j.dib.2021.106743
Ryandono, M. N. H., Permatasari, S. A., & Wijayanti, I. (2019). Business behavior in an islamic perspective: Case study of muslim woman entrepreneurs in Ikatan Wanita Pengusaha Indonesia (IWAPI). 12th International Conference on Business and Management Research (ICBMR 2018), 154–159.
Sulaiman, A. I., & Ahmadi, D. (2020). Empowerment communication in an islamic boarding school as a medium of harmonization. Jurnal Komunikasi: Malaysian Journal of Communication, 36(4), 323–338.
Supriyati, & Bahri, R. S. (2020). Model Design of Accounting Information Systems for Village Owned Enterprises (BUMDes). IOP Conference Series: Materials Science and Engineering, 879(1). https://www.scopus.com/inward/record.uri?eid=2-s2.0-85091364746&doi=10.1088%2F1757-899X%2F879%2F1%2F012093&partnerID=40&md5=39b677ce3e9c1cfab09e4d5bbba2f49e
Tarlani, & Sirajuddin, T. (2020). Rural development strategies in Indonesia: Managing villages to achieve sustainable development. IOP Conference Series: Earth and Environmental Science, 447(1). https://www.scopus.com/inward/record.uri?eid=2-s2.0-85082571620&doi=10.1088%2F1755-1315%2F447%2F1%2F012066&partnerID=40&md5=70cd6cd0232bb45f586c134f1e3ffbd5
Trisno, B., & Vidayana. (2023). Understanding herding behavior among Indonesian stock market investors. E3S Web of Conferences, 426. https://doi.org/10.1051/e3sconf/202342601088
Wardhana, A. K. (2021). The Application of Waqf and Endowment Fund Based on the Principles in the Sharia Maqashid Pillar Society. Prosperity: Journal of Society and Empowerment, 1(2), 107–119. https://doi.org/10.21580/prosperity.2021.1.2.8829
Wardhana, A. K., & Ratnasari, R. T. (2022). Impact of Agricultural Land and the Output of Agricultural Products Moderated with Internet Users toward the Total export of Agricultural Product in Three Islamic South East Asian Countries. Iqtishodia: Jurnal Ekonomi Syariah, 7(2), 11–20.
Wardhana, A. K., Ratnasari, R. T., & Fauziana, H. (n.d.). ISLAMIC INVESTMENT IN INDONESIA BEFORE AND DURING PANDEMIC OF COVID-19: A BIBLIOMETRIC STUDY INVESTASI SYARIAH DI INDONESIA SEBELUM DAN SELAMA PANDEMI COVID-19: STUDI BIBLIOMETRIK.
Widiastuti, T., Ningsih, S., Prasetyo, A., Mawardi, I., Herianingrum, S., Robani, A., Al Mustofa, M. U., & Hady, A. F. (2022). Developing an integrated model of Islamic social finance: toward an effective governance framework. Heliyon, 8(9), e10383. https://doi.org/10.1016/j.heliyon.2022.e10383
Wijayanti, I., Herianingrum, S., & Ryandono, M. N. H. (2020). Islamic Crowdfunding Mechanism to Answer Renewable Energy Investment Challenge in Indonesia. Test Engineering and Management, 83, 3596–3605.
Wijayanti, I., Ryandono, M. N. H., & Petra, D. H. S. P. H. (2021). Financial Inclusion through Zakat Institution: Case Study in Indonesia and Brunei Darussalam. International Journal of Islamic Business and Economics (IJIBEC), 5(2), 128–140.
Zaki, I., Herianingrum, S., Hapsari, M. I., Bayuny, A. F. R., & Wijayanti, I. (2024). Diversifikasi Pengolahan Frozen Nugget, Pengemasan dan Pemasaran Google Bisnis. JILPI: Jurnal Ilmiah Pengabdian Dan Inovasi, 2(3), 1–10.
Zakik, Z., Kamil, A., Prasetyo, A. S., Ryandono, M. N. H., & Wijayanti, I. (2022). Economic development on Madura Island through halal tourism: A business feasibility study. Al-Uqud: Journal of Islamic Economics, 6(2), 289–303.
Zulaikha, S., Hendratmi, A., Sridadi, A. R., Basit, A., Iman, A. N., Wardhana, A. K., Ghifara, A. S., Pratiwi, A. C., Febriyanti, A. R., & Nugroho, A. D. (n.d.). FILSAFAT EKONOMI ISLAM Menjawab Tantangan Peradaban. Zifatama Jawara.
Hak Cipta (c) 2024 Airlangga Journal of Innovation Management
Artikel ini berlisensiCreative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
1. Copyright of this journal is possession of Editorial Board and Journal Manager, by the knowledge of author, whilst the moral right of the publication belongs to the author.
2. Legal formal aspect of journal publication accessibility refers to Creative Commons Atribusi-Non Commercial-No ShareAlike (CC BY-NC-SA),implies that publication can be used for non-commercial purposes in its original form (cannot be modified).
3. Every publications are open access for educational purposes, research, and library. Other that the aims mentioned above, editorial board is not responsible for copyright violation.
AJIM by Unair is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
