{"id":"https://openalex.org/W7225797005","doi":"https://doi.org/10.35794/gv27bq79","title":"PENGARUH PENDAPATAN, PENGENDALIAN DIRI, DAN KEMUDAHAN TRANSAKSI TERHADAP PENGELOLAAN KEUANGAN PRIBADI MAHASISWA FEB UNSRAT","display_name":"PENGARUH PENDAPATAN, PENGENDALIAN DIRI, DAN KEMUDAHAN TRANSAKSI TERHADAP PENGELOLAAN KEUANGAN PRIBADI MAHASISWA FEB UNSRAT","publication_year":2026,"publication_date":"2026-11-11","ids":{"openalex":"https://openalex.org/W7225797005","doi":"https://doi.org/10.35794/gv27bq79"},"language":"en","primary_location":{"id":"doi:10.35794/gv27bq79","doi":"https://doi.org/10.35794/gv27bq79","is_oa":false,"landing_page_url":"https://doi.org/10.35794/gv27bq79","pdf_url":null,"source":{"id":"https://openalex.org/S4306517099","display_name":"JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI","issn_l":"2303-1174","issn":["2303-1174","2622-6219"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5161427098","display_name":"Hill Ezra Rumengan","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Hill Ezra Rumengan","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5088554760","display_name":"Bode Lumanauw","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Bode Lumanauw","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5004618297","display_name":"Johan Reineer Tumiwa","orcid":"https://orcid.org/0000-0002-3246-0453","observed_orcids":["https://orcid.org/0000-0002-3246-0453"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Johan Reiner Tumiwa","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"14","issue":"4","first_page":"122","last_page":"130"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9976000189781189,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.9976000189781189,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.0015999999595806003,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12123","display_name":"Financial Analysis and Corporate Governance","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[],"concepts":[{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.6787999868392944},{"id":"https://openalex.org/C100363876","wikidata":"https://www.wikidata.org/wiki/Q690661","display_name":"Nonprobability sampling","level":3,"score":0.5174999833106995},{"id":"https://openalex.org/C506796395","wikidata":"https://www.wikidata.org/wiki/Q4738155","display_name":"Financial management","level":2,"score":0.48339998722076416},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.4749999940395355},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4740999937057495},{"id":"https://openalex.org/C198531522","wikidata":"https://www.wikidata.org/wiki/Q485146","display_name":"Sample (material)","level":2,"score":0.44749999046325684},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.4311999976634979},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.4180999994277954},{"id":"https://openalex.org/C43214815","wikidata":"https://www.wikidata.org/wiki/Q7310987","display_name":"Reliability (semiconductor)","level":3,"score":0.4106999933719635},{"id":"https://openalex.org/C170130773","wikidata":"https://www.wikidata.org/wiki/Q216378","display_name":"Usability","level":2,"score":0.4083999991416931},{"id":"https://openalex.org/C152877465","wikidata":"https://www.wikidata.org/wiki/Q208042","display_name":"Regression analysis","level":2,"score":0.40720000863075256},{"id":"https://openalex.org/C48921125","wikidata":"https://www.wikidata.org/wiki/Q10861030","display_name":"Linear regression","level":2,"score":0.3991999924182892},{"id":"https://openalex.org/C70364389","wikidata":"https://www.wikidata.org/wiki/Q18757","display_name":"Validity","level":3,"score":0.357699990272522},{"id":"https://openalex.org/C127722929","wikidata":"https://www.wikidata.org/wiki/Q7833714","display_name":"Transaction data","level":3,"score":0.34880000352859497},{"id":"https://openalex.org/C2778566306","wikidata":"https://www.wikidata.org/wiki/Q7170591","display_name":"Personal income","level":2,"score":0.34459999203681946},{"id":"https://openalex.org/C2988821698","wikidata":"https://www.wikidata.org/wiki/Q16338","display_name":"Personal computer","level":2,"score":0.2964000105857849},{"id":"https://openalex.org/C98965940","wikidata":"https://www.wikidata.org/wiki/Q877496","display_name":"Transaction cost","level":2,"score":0.2892000079154968},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.2840999960899353},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.28290000557899475},{"id":"https://openalex.org/C98014903","wikidata":"https://www.wikidata.org/wiki/Q832161","display_name":"Financial ratio","level":2,"score":0.2768999934196472},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.2750999927520752},{"id":"https://openalex.org/C2780009758","wikidata":"https://www.wikidata.org/wiki/Q6804172","display_name":"Measure (data warehouse)","level":2,"score":0.2685000002384186},{"id":"https://openalex.org/C140779682","wikidata":"https://www.wikidata.org/wiki/Q210868","display_name":"Sampling (signal processing)","level":3,"score":0.2621000111103058},{"id":"https://openalex.org/C178550888","wikidata":"https://www.wikidata.org/wiki/Q2043282","display_name":"Business administration","level":1,"score":0.25279998779296875}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.35794/gv27bq79","doi":"https://doi.org/10.35794/gv27bq79","is_oa":false,"landing_page_url":"https://doi.org/10.35794/gv27bq79","pdf_url":null,"source":{"id":"https://openalex.org/S4306517099","display_name":"JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI","issn_l":"2303-1174","issn":["2303-1174","2622-6219"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":[],"abstract_inverted_index":{"This":[0,37],"study":[1,39],"aims":[2],"to":[3,48,199],"analyze":[4],"the":[5,14,21,166,176],"effect":[6,90,108,125,145],"of":[7,18,23,157,165],"income,":[8,80,206],"self-control,":[9,81,207],"and":[10,25,35,43,58,64,70,82,88,106,118,123,186,196],"transaction":[11,83,140,208],"ease":[12,84,141],"on":[13,91,135],"personal":[15,92,136,169,210],"financial":[16,93,137,170,197,211],"management":[17,94,171],"students":[19,181],"at":[20],"Faculty":[22],"Economics":[24],"Business,":[26],"Sam":[27],"Ratulangi":[28],"University":[29],"(FEB":[30],"Unsrat)":[31],"Manado,":[32],"both":[33],"partially":[34],"simultaneously.":[36],"quantitative":[38],"used":[40],"purposive":[41],"sampling":[42],"a":[44,86,104,121],"Likert-scale":[45],"questionnaire":[46],"distributed":[47],"95":[49],"FEB":[50],"Unsrat":[51],"student":[52],"respondents.":[53],"Data":[54],"analysis":[55],"employed":[56],"validity":[57],"reliability":[59],"tests,":[60,63],"classical":[61],"assumption":[62],"multiple":[65],"linear":[66],"regression":[67],"with":[68],"F-test":[69],"t-test":[71],"using":[72],"SPSS":[73],"software.":[74],"The":[75,155],"results":[76],"show":[77],"that":[78,163],"simultaneously":[79],"have":[85],"positive":[87,105,122],"significant":[89,107,124,144],"(F":[95],"=":[96,99,110,113,116,127,130,133,147,150,153,160],"32.958;":[97],"sig":[98,115,132,152],"0.000).":[100],"Partially,":[101],"income":[102,185],"has":[103,120,142],"(B":[109,126,146],"0.287;":[111],"t":[112,129,149],"3.046;":[114],"0.003)":[117],"self-control":[119,188],"0.590;":[128],"7.074;":[131],"0.000)":[134],"management,":[138],"while":[139],"no":[143],"0.038;":[148],"0.356;":[151],"0.723).":[154],"coefficient":[156],"determination":[158],"R\u00b2":[159],"0.521":[161],"indicates":[162],"52.1%":[164],"variation":[167],"in":[168,189],"can":[172],"be":[173],"explained":[174],"by":[175],"three":[177],"independent":[178],"variables.":[179],"Suggestions:":[180],"should":[182],"optimize":[183],"their":[184,201],"strengthen":[187],"spending,":[190],"as":[191,193],"well":[192],"prepare":[194],"budgets":[195],"records":[198],"manage":[200],"finances":[202],"more":[203],"effectively.":[204],"Keywords:":[205],"ease,":[209],"management.":[212]},"counts_by_year":[],"updated_date":"2026-11-12T12:28:57.059296","created_date":"2026-11-12T00:00:00"}
