PENGARUH KEBIJAKAN CICILAN PEMBAYARAN UANG KULIAH TERHADAP PENGELOLAAN KEUANGAN MAHASISWAN IAI AN- NADWAH KUALA TUNGGAL JAMBI DENGAN GAYA HIDUP SEBAGAI VARIABEL INTERVENING

Abstract

This study aims to examine the effect of tuition payment installment policy on student financial management at IAI An-Nadwah Jambi with lifestyle as an intervening variable. Students must have the ability to make wiser decisions in financial management. This is because unhealthy pocket money management will have a negative impact on not meeting normal needs. Therefore, good financial management is important to achieve the welfare of every student. The method used in this study is a descriptive quantitative method with a sample of 212 respondents from a total population of 451. Data were collected through questionnaires and documentation. Then, the information obtained will be analyzed through validity tests, reliability tests, classical assumption tests, and multiple regression analysis of path analysis, and hypothesis testing (t-test). The results of the study indicate that the tuition payment installment policy has an impact on student financial management and student lifestyle. Likewise, lifestyle has an impact on financial management. Meanwhile, the installment policy had a very small positive effect on financial management through lifestyle, with a coefficient of 0.026. However, this relationship was not statistically significant, meaning that the installment policy implemented in the sample did not have a strong enough influence to influence financial management through changes in students' lifestyles.

Keywords: Tuition installment policy, Financial management, Lifestyle, Intervening variable.