Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Vol 6 No 2 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah

Gaya Hidup Siswa Lebih Menentukan Kemampuan Pengelolaan Keuangan Syariah Dibandingkan dengan Literasi Keuangan Syariah

Anita Anita (Universitas Islam Syekh-Yusuf)
Khusaini Khusaini (Universitas Islam Syekh-Yusuf)
Sri Lestari (Universitas Islam Syekh-Yusuf)



Article Info

Publish Date
29 Sep 2023

Abstract

One indicator of sharia financial management is funding made by students. However, not all students manage their finances well. This study aims to examine the effect of Islamic financial literacy and lifestyle variables on students' Islamic financial management. The authors utilized a cross-sectional survey. The sample size used was 104 students of class X Madrasah Aliyah Negeri 2 Tangerang Regency and census as the sampling technique. As for determining the size of the questionnaire using google form through the student's WhatsApp group and having tested its validity and reliability. The author utilized a logistic regression model for testing. The results showed that sharia financial literacy was a significant determinant in improving Islamic financial management. In other words, the higher the student's financial literacy, the better the possibility to manage finances in a sharia manner for students. This showed that the higher student knowledge about finance, managerial ability in sharia would increase. Likewise, students' lifestyles were also a significant determinant in improving students' sharia financial management. The lifestyle in question was that students carry out positive activities, had high interest in learning, had a positive opinions, allocated money appropriately, and utilized money according to their needs. Student lifestyle had a higher influence than financial literacy in determining sharia financial management. The findings of this study provide scientific contributions, especially in the field of education and help students to have good attitudes and behavior in managing finances inside and outside school.

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Journal Info

Abbrev

alkharaj

Publisher

Subject

Economics, Econometrics & Finance Social Sciences

Description

AL-KHARAJ: The Journal of Islamic Economics, Finance & Business is a scientific journal published by the Center for Research and Strategic Studies (PRKS) of the Institute of Islamic Religion (IAI) National Laa Roiba Bogor. This journal contains scientific papers from academics, researchers and ...