The Influence of Sharia-Based Financial Planning and Self-Control on Succes of Students’ Financial Management
Abstract
The rapid development of digital financial services has significantly influenced students’ financial behavior, often leading to increased consumptive tendencies without proper planning. This study aims to analyze the effect of sharia-Based financial planning and self-control on the Succes of Students’ Financial Management at the Faculty of Islamic Studies, Universitas Muhammadiyah Sumatera Utara. A quantitative approach with an explanatory survey design was employed, involving 93 students selected through proportional random sampling from a population of 1,364. Data were collected using a structured questionnaire with a five-point Likert scale and analyzed using multiple linear regression with SPSS version 25. The results indicate that sharia-based financial planning has a positive and significant effect on Succes of Students’ Financial Management (t = 9.140; p < 0.05), and self-control also shows a positive and significant effect (t = 4.648; p < 0.05). Simultaneously, both variables significantly influence Succes of Students’ Financial Management (F = 205.205; p < 0.05), with a coefficient of determination (R²) of 0.820, indicating that 82% of the variation in Succes of Students’ Financial Management is explained by the model. These findings suggest that the integration of sharia-based financial planning and strong self-control plays a crucial role in improving students’ Succes of Students’ Financial Management. Sharia-based financial planning provides a structured and value-based framework, while self-control ensures consistent implementation in daily financial decisions. This study contributes to the development of Islamic financial behavior literature by highlighting the importance of combining cognitive and psychological factors in achieving financial well-being among students.
References
Aisyah, M., Umiyati, & Suzanawaty, L. (2025). The impact of Islamic financial literacy on Islamic financial planning of Islamic university students. Jurnal Perbankan Syariah), 6(1), 22–40.
Alrisqi, N. N., Sudirman, I. F., & Darmawan, A. (2025). Literasi Keuangan Syariah : Pengaruhnya pada Perencanaan Keuangan Islam di Kalangan Generasi Z. Jurnal Ekonomi Islam, 7, 30–43.
Arifa, J. S. N., & Setiyani, R. (2020). Pengaruh Pendidikan Keuangan di Keluarga, Pendapatan, dan Literasi Keuangan terhadap Financial Management Behavior Melalui Financial Self-EfficacySebagai Variabel Mediasi. Economic Education Analysis Journal, 9(2), 552–568. https://doi.org/10.15294/eeaj.v9i2.39431
Babiarz, P., & Robb, C. A. (2013). Financial Literacy and Emergency Saving. https://doi.org/10.1007/s10834-013-9369-9
Gunawan, A., & Arif, M. (2021). Pengujian Konstruk Literasi Keuangan Mahasiswa. Jurnal Ilmiah Manajemen Dan Bisnis, 22(2), 291–303. https://doi.org/10.30596/jimb.v22i2.7080
Gunawan, A., Pulungan, D. R., & Koto, M. (2019). Peran Literasi Keuangan Pada Kemampuan Pengelolaan Keuangan Untuk Persiapan Masa Pensiun Secara Mandiri (Studi Kasus Pada Dosen Fakultas Ekonomi & Bisnis UMSU). Prosiding Seminar Bisnis Magister Manajemen (SAMBIS).
Hidayat, R. (2024). Determinan Perilaku Keuangan Mahasiswa Di Kota Medan. Jurnal Akuntasi Dan Keuangan Kontemporer (JAKK), 7(2), 207–217.
Lasawedy, A. (2025). MODEL PENDIDIKAN LITERASI KEUANGAN SYARIAH BAGI KELUARGA DAN GENERASI MUDA MUSLIM. Jurnal Pendiidkan Indonesia: Teori, Penelitian Dan Inovas, 5(5). https://doi.org/10.59818/jpi.v5i5.2051
Maghfuroh, N. L., Qanita, A., & Muhammad, Z. (2024). IMPLEMENTATION OF MUSLIM PERSONAL FINANCIAL MANAGEMENT IN THE CONTEXT OF HALAL FINANCIAL EDUCATION. 83–90.
Miles, M. B., Huberman, A., Saldana, M. and, & Johnny. (2020). Qualitative Data Analysis: A Methods Sourcebook (4th ed.). SAGE Publication.
Mutaqin, & Syihab, F. (2024). TERHADAP PENGELOLAAN KEUANGAN ( Studi Survey kepada Mahasiswa Pendidikan Ekonomi angkatan 2020 ). 1(6), 447–457.
OJK, B. (2024). SIARAN PERS BERSAMA OJK DAN BPS UMUMKAN HASIL SURVEI NASIONAL LITERASI DAN INKLUSI KEUANGAN TAHUN 2024. 1–6.
Rabbulizat, A., Ekofani, R., & Paramita, R. A. S. (2023). Pengaruh Literasi Keuangan , Gaya Hidup , Kontrol Diri , dan Sikap. 4(1), 60–69. https://doi.org/10.47065/arbitrase.v4i1.1022
Rahmatang, Rosmanidar, E., & Andriani, B. F. (2024). Pengaruh Islamic Financial Literacy , Lifestyle , Dan Self Control Terhadap Financial Management Behavior Pada Mahasiswa. LMIAH KOMPUTERISASI AKUNTANSI, 17(1). https://doi.org/10.51903/kompak.v17i1.1778
Rahmayati, R., Khaira, M., & Kurnia, E. (2022). Islamic Financial Literacy as an Improvement in the Quality of Islamic Bank. Proceeding International Seminar on Islamic Studies, 3(2), 129–136.
Raihan, R. P. M. I., & Sumiati, S. (2024). ENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN KONTROL DIRI TERHADAP PERILAKU MENABUNG MAHASISWA. JURNAL MANAGEMENT RISIKO DAN KEUANGAN, 3(1), 1–14. https://doi.org/http://dx.doi.org/10.21776/jmrk.2024.03.1.01
Rakhmat, A. T., Parhan, M., Abyan, M., & Prayoga, F. R. (2022). ISLAMIC FINANCIAL PLANNING: KONSEP LITERASI KEUANGAN SYARIAH SEBAGAI ALTERNATIF PERENCANAAN FINANSIAL BAGI MAHASISWA. EKONOMI ISLAM, 13, 65–84.
Setia, J., Anista, A., Idrus, S. Al, & Munir, M. (2024). Designing a Blessed Future: Maqashid Syariah and Financial Planning for Holistic Well-Being. Akutansi, 16(1), 136–146. https://doi.org/10.26740/jaj.v16n1.p136-146
Sriyani, A. I., Nugraha, A., Aminah, S., & Riyadi, B. (2024). Pengaruh Pengetahuan Keuangan , Perencanaan Keuangan dan Kontrol Diri Terhadap Pengelolaan Keuangan Pribadi ( Studi Kasus Mahasiswa Fakultas Ekonomika dan Bisnis Universitas 17 Agustus 1945 Semarang ). 4, 1586–1596.
Subakti, H., Hurit, R., Eni, G., Yufrinalis, M., Maria, S., Adwiah, R., Syamil, A., Mbari, M., Putra, S., Solapari, N., Musriati, T., & Putra, A. P. (2023). Metodologi Penelitian Kualitatif.
Sugiyono. (2022). Metode Penelitian Kuantitatif, Kualitatif, dan R&D (Sutopo (ed.); Empat). ALFABETA.
Waruwu, M. (2023). Pendekatan Penelitian Pendidikan: Metode Penelitian Kualitatif, Metode Penelitian Kuantitatif dan Metode Penelitian Kombinasi (Mixed Method). Jurnal Pendidikan Tambusai, 7(1), 2896–2910. https://doi.org/10.31004/jptam.v7i1.6187
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
