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This research explores the influence of financial literacy, self-confidence in managing personal finances, and the use of fintech payments on the personal financial management of Sharia Financial Management students at UIN Sayyid Ali Rahmatullah Tulungagung. This research is motivated by students' lack of understanding regarding personal financial management, which has the potential to affect their readiness to face financial challenges in the future. Through good financial literacy and self-confidence in managing finances, students are expected to be able to manage their finances more wisely. On the other hand, the use of fintech payments is also thought to have an influence on students' financial management behavior. This research uses a quantitative approach with associative methods and purposive sampling techniques, involving 86 students from the class of 2020-2022. Data was collected via questionnaire, then analyzed using multiple linear regression via SPSS-26. The research results show that financial literacy, financial self-efficacy, and payment fintech together have a positive and significant influence on personal financial management, financial literacy has a positive and significant influence, financial self-efficacy has a positive and significant influence, and payment fintech also has an influence positive and significant on students' personal financial management.

Teacher performance has the most important position in an effort to improve the quality of learning which will later affect the quality of graduates and will affect the achievement of national education goals. Some of the factors that can influence are self-efficacy and technostress. This study aims to determine the effect of partial and simultaneous technostress and self-efficacy on teacher performance.  The study used quantitative research. Data retrieval techniques with questionnaires. The study population of all teachers who teach at Tapos Sub-District State High School is 100 teachers. The number of samples was determined using the Slovin formula and a sample of 80 people was obtained. Instrument test data analysis techniques use validity and reliability tests, linear regression analysis, classical assumption tests, Determination Coefficient Tests, and Hypothesis Tests with t tests and F tests. These findings are consistent with previous research showing that technostress affects teacher performance and self-efficacy also plays a role in improving teacher performance. In the context of the Covid-19 pandemic and distance learning, these factors have an important role to play in overcoming challenges in improving the quality of learning.