@phdthesis{digilib53333,
           month = {June},
           title = {PENGARUH SPENDING HABITS, KECERDASAN SPIRITUAL, DAN LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN SANTRI (STUDI KASUS PONDOK PESANTREN MAHASISWA (PPM) ARROYYAN BAITUL HAMDI YOGYAKARTA)},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 16830028 Titana Diva Agustia},
            year = {2022},
            note = {Pembimbing: Dr. Darmawan, S.Pd., MAB},
        keywords = {Pengelolaan Keuangan, Spending Habits, Kecerdasan Spiritual,
dan Literasi Keuangan},
             url = {https://digilib.uin-suka.ac.id/id/eprint/53333/},
        abstract = {This research was conducted to examine the effect of spending habits,
spiritual quotient, and financial literancy to financial management of Pondok
Pesantren Mahasiswa (PPM) Ar-Royyan Baitul Hamdi Yogyakarta students. The
population in this study were sutend of Pondok Pesantren Mahasiswa (PPM) Ar-
Royyan Baitul Hamdi Yogyakarta students with samples taken using simple random
sampling. Primary data collecting by distributing questionners. There are 150
quietionnaires processed in this study. The data analysis in this study used. The
data analysis in this study used multiple linear regression analysis using SPSS
software to test the research data. The result show. The result showed that spending
habits, spiritual quotient, and financial literation simultaneously has a significant
effect on financial management of Pondok Pesantren Mahasiswa (PPM) Ar-Royyan
Baitul Hamdi Yogyakarta students. Partially, the spending habits variable does not
have a significant effect on financial management students of Pondok Pesantren
Mahasiswa (PPM) Ar-Royyan Baitul Hamdi Yogyakarta with a significant level of
0.121 above 0.05. The spiritual quotient variable has a significant negative effect
on financial management student of Pondok Pesantren Mahasiswa (PPM) Ar-
Royyan Baitul Hamdi Yogyakarta with a significant level of 0.708 above 0.05. The
financial literacy variable has a positif significant effect on financial manaement
Pondok Pesantren Mahasiswa (PPM) Ar-Royyan Baitul Hamdi Yogyakarta
students with a significant level of 0,000 below 0,05.}
}