Pengaruh Literasi Keuangan Syariah dan Self-Control terhadap Perilaku Penganggaran Mahasiswa

Mysca Aziza; Aghni Habiibah Putriana; Aprilia Jingga Nur Maulida; Diaz Afriza Hidayat; Suhendi Suhendi

doi:10.37481/sjr.v9i4.1659

Authors

Mysca Aziza Universitas Islam Negeri Sunan Gunung Djati Bandung
Aghni Habiibah Putriana Universitas Islam Negeri Sunan Gunung Djati Bandung
Aprilia Jingga Nur Maulida Universitas Islam Negeri Sunan Gunung Djati Bandung
Diaz Afriza Hidayat Universitas Islam Negeri Sunan Gunung Djati Bandung
Suhendi Suhendi Universitas Islam Negeri Sunan Gunung Djati Bandung

DOI:

https://doi.org/10.37481/sjr.v9i4.1659

Keywords:

Islamic Financial Literacy, Self-Control, Budgeting Behavior, Student

Abstract

This research aims to analyze the influence of Islamic financial literacy and self-control on student budgeting behavior. The research method used is descriptive quantitative with data collection techniques through questionnaires. The research population involves active students in universities with samples determined through purposive sampling techniques. The results show that partially, Islamic financial literacy provides an understanding of the values of amanah and falah in managing funds, while self-control acts as a filter in restraining consumptive behavior. Simultaneously, both variables significantly influence the effectiveness of budgeting behavior. The implication of this study is the need to strengthen sharia-based financial education to form financially disciplined student characters.

References

Fahmi, I. (2020). Manajemen Keuangan Syariah: Analisis Fundamental dan Praktikal. Bandung: Alfabeta.

Ghufron, M. N., & Risnawita, R. (2017). Teori-Teori Psikologi. Yogyakarta: Ar-Ruzz Media.

Huston, S. J. (2019). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296-316.

Ismanto, K. (2018). Manajemen Keuangan Syariah. Yogyakarta: Pustaka Pelajar.

Laily, N. (2016). Pengaruh Literasi Keuangan terhadap Perilaku Keuangan Mahasiswa. Jurnal Pendidikan Ekonomi, 4(2), 153-159.

Lusardi, A., & Mitchell, O. S. (2017). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5-44.

Mendari, A. S., & Kewal, S. S. (2018). Tingkat Literasi Keuangan di Kalangan Mahasiswa STIE Musi. Jurnal Ekonomi dan Bisnis, 13(2), 130-140.

Nidar, S. R., & Bestari, S. (2018). Personal Financial Literacy Among University Students (Case Study at Padjadjaran University students). World Journal of Social Sciences, 2(4), 162-171.

Priyanto, A. (2021). Peran Self-Control dalam Memediasi Pengaruh Literasi Keuangan terhadap Perilaku Konsumtif. Jurnal Ilmiah Ekonomi Islam, 7(1), 445-453.

Tangney, J. P., Baumeister, R. F., & Boone, A. L. (2018). High Self-Control Predicts Good Adjustment, Less Pathology, Better Grades, and Interpersonal Success. Journal of Personality, 72(2), 271-324.