Publication Search

69,877 articles from 604 journals · 1,760 citations tracked

Showing 641-660 of 4,008

Analytics

Anita Puspa Meilina; Roziman Roziman

Al-Tarbiyah: Jurnal Ilmu Pendidikan Islam 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

The post-truth phenomenon has posed significant challenges to education, particularly Islamic education, in shaping a young generation that is both critical and religious. Generation Alpha, born and raised in a digital ecosystem, faces an overwhelming flow of information, disinformation, and opinion manipulation that often blurs the line between fact and falsehood. This study aims to analyze how Islamic education can respond to the post-truth crisis by fostering a critical-religious character among Generation Alpha. This research employs a qualitative library-based method, utilizing content analysis that integrates classical Islamic sources on epistemology such as al-haqq and tabayyun with contemporary findings on digital literacy and the psychosocial development of Generation Alpha. The findings indicate that Islamic education should focus on strengthening Islamic digital literacy, promoting dialogical learning that cultivates critical thinking, and integrating strong spiritual values. Curriculum transformation, the role of teachers as epistemic role models, and the support of families and communities are essential in creating an educational ecosystem capable of countering post-truth influences. Thus, Islamic education serves as both a moral and intellectual safeguard, protecting Generation Alpha from the crisis of truth while preparing them to be critical, adaptive, and religious Muslims in the digital age.

Zainudin Fahmi

Jurnal Budi Pekerti Agama Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This study applies a descriptive qualitative approach with data gathered through observation, interviews, and documentation. It aims to outline the planning and execution of a contextual approach in learning Islamic religious education by applying the field trip method and examining outcomes prior to and after its use to Islamic religious education learning at SD Kyai Abdullah Ubaid II Surabaya. Strategy of contextual method was selected since it can link learning material’s of Islamic religious education with real experiences, so that students can understand religious values ​​in a more applicable way. The subjects of this research include PAI teachers, class IV students and school principals. Data analysis employed the Miles and Huberman framework, covering reduction, presentation, and inference. The study of result shows that Islamic religious education teacher’s at Kyai Abdullah Ubaid II Elementary School have implemented a strategy of contextual approach effectively, particularly through Islamic religious education learning activities based on students' real-life experiences. This approach was implemented through planned field trips, such as practicing the dhuha prayer’s at the Ya'qub Mosque. A contextual approach combined with a field trip method has been proven to increase the enthusiasm and engagement of fourth-grade students at Kyai Abdullah Ubaid II Elementary School, Surabaya. They demonstrated a better understanding in the context of Islamic education learning, and the PAI teacher’s helped students understand Islamic values in a practical way by inviting fourth-grade students to perform ablution before practicing the Dhuha prayer during PAI learning at the Ya'qub Mosque.

Dahlia Summayah Sitorus

Karakter : Jurnal Riset Ilmu Pendidikan Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Teachers’ religious understanding plays a vital role in shaping early childhood religious attitudes through systematic, consistent, and contextual guidance. This study aims to analyze the implementation of teachers’ religious understanding in fostering children’s religious attitudes at Yayasan Taman Pendidikan TPQ/RA Wahyu Medan. The research applied a qualitative method with a descriptive approach, using in-depth interviews, observations, and documentation to explore teachers’ experiences in religious nurturing practices. The findings revealed that teachers have successfully integrated religious values into learning activities, such as collective prayers, memorization of short Qur’anic surahs, greeting habits, and prayer exercises. However, challenges remain, including limited use of interactive learning media and low parental involvement in supporting religious habituation at home. These findings imply that teachers’ religious understanding should be enhanced through continuous training and strengthened collaboration with parents to optimize the fostering of children’s religious attitudes. This study contributes to the development of early childhood education, particularly in strengthening character education based on religious values.

Rizka Auliah Hasibuan

Karakter : Jurnal Riset Ilmu Pendidikan Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This community outreach activity was conducted at the Wahyu TPQ/RA Foundation, focusing on the implementation of religious character education through daily habituation activities for early childhood. The main issue behind this activity is the importance of instilling religious values ​​from an early age to shape a generation with noble morals and Islamic character. The method used was a qualitative method with a participatory approach, through observation, interviews, and documentation during religious habituation activities such as prayers before and after studying, reading short surahs, practicing congregational prayers, and Friday Infaq activities. The results of the activity showed a significant increase in children's involvement in religious activities and their consistency in carrying out positive habits. Children became more accustomed to prayer, their manners improved, and an awareness of sharing emerged through infaq activities. These findings are in line with the theory of habituation (habit formation), which emphasizes repetition as a strategy for forming character. This activity contributes to the development of science in the field of early childhood education, particularly in the aspect of religious character education, and can be a model of good practice that can be replicated by similar educational institutions.

Yayuk Primawati; Yogi Irawan

Al-Tarbiyah: Jurnal Ilmu Pendidikan Islam 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

The phenomenon of fear of missing out (FOMO) has become increasingly prominent in the era of digital literacy and poses a serious challenge for Islamic education, particularly in shaping the character of Muslim millennial generations. This study aims to analyze the impact of FOMO on the behavior, spirituality, and learning processes of Muslim youth, as well as to offer strategies for Islamic education in responding to this phenomenon. The research employed a qualitative method with a library research approach, through a critical review of books, journal articles, proceedings, and relevant research reports published in the last five to ten years. The findings indicate that FOMO affects not only psychological aspects but also leads to moral decline and spiritual crises among students. Islamic education plays a strategic role in addressing FOMO through the reinforcement of Islamic digital literacy, which includes critical awareness, media ethics, and self-control. The novelty of this study lies in emphasizing the need for repositioning Islamic education as a creative and transformative force capable of integrating the values of qana’ah, zuhud, and tawakkul into the digital reality, while offering an alternative paradigm in the form of joy of missing out (JOMO). Thus, this study concludes that Islamic education can serve both as a safeguard and as a guide for Muslim millennial generations to remain adaptive, critical, and rooted in transcendental values amid the dynamics of digitalization.

Dayu Feri Apriliansah; Faridi Faridi

Al-Tarbiyah: Jurnal Ilmu Pendidikan Islam 2025 STAI YPIQ BAUBAU, SULAWESI TENGGARA

Education is important for the progress of a nation, therefore education must have the right methods so that education can run smoothly and achieve its goals. Educational methods must be appropriate to local environmental, social and cultural conditions, efforts to carry out appropriate education can be applied, so that educational goals can be achieved. As a teacher, you must be able to master educational methods, therefore the methods used by a teacher must be appropriate to the class conditions at hand. The importance of the method applied is one of the success factors in efforts to achieve educational goals. Islamic philosophy has its own perspective in assessing education, success in mastering various kinds of knowledge alone is not enough to be a factor in educational success. The education expected through Islamic education methods must reflect a form of step in perfecting noble morals. Scientific intelligence cannot yet be used as a benchmark for educational success, therefore educational methods must be in accordance with behavior that reflects the Islamic values ​​contained therein, so that the knowledge obtained can be balanced with Islamic character and behavior which prioritizes the moral values ​​contained therein.

Holida Holida; M. Thontawi

Karakter : Jurnal Riset Ilmu Pendidikan Islam 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This study is a Classroom Action Research (CAR) aimed at improving students' critical thinking skills in Islamic Religious Education at SMK Negeri 7 Sarolangun through the implementation of the Mind Mapping Method. The study was conducted in two cycles with four stages in each cycle: planning, implementation, observation, and reflection. The subjects of this study were 24 students from class X who participated in the implementation of this method. Data were collected through observation, interviews, and documentation to assess the development of students' critical thinking abilities. The results showed an improvement in critical thinking skills in each cycle. In cycle I, students' critical thinking skills reached 87.5% with an excellent category, while in cycle II, it increased to 93.57% with an excellent category. This improvement demonstrates the effectiveness of the Mind Mapping Method in helping students organize ideas, connect concepts, and analyze learning materials more systematically. Therefore, this study proves that the Mind Mapping-based learning method can be an effective alternative in improving critical thinking skills in Islamic Religious Education at SMK Negeri 7 Sarolangun. The implications of these findings highlight the importance of innovative teaching methods to support the optimal development of students' critical thinking abilities.

Zita Atzmardina; Rosyikhotul Ma'rifah; Cindy Clarissa S; Irvan Baharits Al Basith

Bumi: Jurnal Hasil Kegiatan Sosialisasi Pengabdian kepada Masyarakat 2025 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Tuberculosis (TB) is an infectious disease caused by the bacterium Mycobacterium tuberculosis. It is transmitted through the air, specifically through droplets expelled by sufferers when coughing or sneezing. TB is divided into two main types: pulmonary TB, which attacks the lungs, and extrapulmonary TB, which can affect other organs such as the pleura, lymph nodes, skin, bones, and meninges. In the Community Health Center (Puskesmas) work area, 77 new cases of pulmonary TB were recorded from January to April 2025. Meanwhile, coverage of Tuberculosis Prevention Therapy (TPT) only reached 44.7%, still below the national target of at least 50%. This condition indicates the need for increased health promotion activities and community diagnostic approaches as promotive and preventive measures, in order to increase TPT coverage and reduce the incidence of TB. The results of the respondent questionnaire showed that the level of public knowledge about TB reached 64.6%, positive attitudes at 94%, and preventive behavior at 72%. Based on these findings, it is recommended that outreach activities be conducted regularly to improve public understanding, which can ultimately encourage behavioral changes and reduce TB cases.

Santoso, Windu; Sudarsih, Sri; Hafidh Taqiuddin, Muhammad; Nurul Fadhilah, Khoirunnisa

jurnal ABDIMAS Indonesia 2025 STIKes Ibnu Sina Ajibarang

Pemimpin yang efektif diperlukan untuk mengembangkan strategi dan struktur yang baik dan menarik karyawan, menginspirasi dan mendukung staf yang berpengalaman, menghargai komitmen mereka, dan meminimalkan turnover intention. Turnover intention mengacu pada kecenderungan atau rencana untuk berhenti dari pekerjaan di tempat kerja. Tujuan dari kegiatan pengabdian kepada masyarakat ini adalah untuk memberikan pendidikan tentang gaya kepemimpinan sebagai upaya untuk mengurangi turnover intention. Kegiatan pendidikan dilakukan dengan menerapkan empat tahap termasuk tahap I perencanaan dan pemilihan strategi, tahap II pemilihan saluran dan materi, tahap III pengembangan materi, tahap IV penerapan, tahap V meninjau efektivitas, tahap VI umpan balik untuk evaluasi. menunjukkan bahwa sebagian besar pengetahuan kepala ruangan setelah diberikan pendidikan tentang gaya kepemimpinan transformasional berada pada kategori tinggi, yaitu 12 responden (85,8%). Kepemimpinan transformasional telah menjadi gaya kepemimpinan yang dominan dipraktikkan oleh para pemimpin di banyak industri dan disiplin ilmu, termasuk dalam keperawatan oleh kepala ruangan

Putri Festiyanti, Wilda; Fikriyah, Nafidatul; Akbar, Jelang; Salsabila, Zulfa; Wahyuningsih, Sri +4 more

jurnal ABDIMAS Indonesia 2025 STIKes Ibnu Sina Ajibarang

kuliah kerja nyata (KKN) merupakan bentuk pengabdian kepada Masyarakat yang bertujuan memberikan pengalaman langsung kepada mahasiswa dalam mengidentifikasi  dan menyelesaikan permasalahan di lingkungan desa. KKN kelompok 04 STIKes Ibnu Sina Ajibarang dilaksanakan di Desa Kotayasa, kecamatan sumbang, kabupaten Banyumas pada 28 juli – 5 september 2025. Metode yang digunakan berupa observasi, wawancara, dan pelaksanaan program berbasis kebutuhan Masyarakat. Hasil kegiatan menunjukan adanya peningkatan pengetahuan dan keterampilan Masyarakat, antaralain melalui sosialisasi perilaku hidup bersih dan sehat (PHBS) di sekolah dasar, kegiatan posyandu balita dan lansia, penyuluhan stunting, serta sosialisasi penggunaan obat  NSAID dan kortikostiroid. Selain itu, kegiatan inovatifs seperti pembuauan sabun cuci piring, budidaya tanaman obat keluarga (TOGA) , senam Bersama PKK, hingga lomba mewarnai untuk anak-anak berhasil meningkatkan partisipasi dan kemandirian Masyarakat. Factor pendukung meliputi antusiasme warga, dukungan perangkat desa, dan kerja sama lintas sektor.sementara hambatan yang mucul berupa keterbatasan waktu, dana, serta kondisi cuaca. Secara keseluruhan, kegiatan ini  memberikan kontribusi positif dalam aspek Kesehatan, Pendidikan, ekonomi kreatif, dan sosial budaya di Desa Kotayasa.

Majesty, Gilbert Timothy; A Dan Kia

Sukacita : Jurnal Pendidikan Iman Kristen 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Christian Religious Education (PAK) research in Indonesia has undergone significant developments, but its future direction and relevance are still crucial questions. This article aims to map the PAK research landscape and identify key challenges and opportunities through a literature review of publications in national and international journals, theses, and dissertations. The analysis is focused on three aspects: dominant themes, methodology, and contextual relevance. The findings show the dominance of conventional themes such as teaching methods, curriculum, and the role of teachers, with a qualitative approach limited to case studies, making generalizations difficult. Contemporary issues such as religious pluralism, digital media, Generation Z spirituality, integration of faith and knowledge, and inclusive approaches in multicultural contexts are still underexplored. This article proposes the reorientation of PAK research through an interdisciplinary approach (theology with psychology, sociology, media studies), methodological strengthening (longitudinal and mixed-methods studies), and emphasis on Indonesia's socio-cultural reality as a starting point. With this strategy, PAK's research is expected to be able to expand its theoretical contribution while answering practical challenges in shaping the character and spirituality of students in the era of modernity.

Aldi Bayu Anggara; Muhammad Rifa’i; T. Darmansah

Jurnal Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

The leadership of the school principal and the performance of teachers greatly influence the religious character of education for students. This research aims to describe (1) to determine and analyze the influence of school principal leadership on education with a religious character (2) to determine and analyze the influence of teacher performance on education with a religious character (3) to determine and analyze the influence of principal leadership and teacher performance on education religious character. This research uses quantitative methodology. The population used in this research were students at PAB 10 Medan Estate Middle School. The sample in this research was 50 respondents. Data collection was carried out using a questionnaire. There are 3 research variables, namely: school principal leadership (X1), teacher performance (X2), and religious character (Y). Data analysis used in this research is multiple linear regression, F test, T test, coefficient of determination test (R2), heteroscedasticity test, multicollinearity test. The results of the research conducted show that the principal's leadership and teacher performance together have a significant effect on religious character.  This can be seen from the results This can be seen from the results of the F test, namely that the Fcount value is 19.936. The conclusion is that Fcount > Ftable (19.936 > 3.20) meaning that the leadership of the principal X1 and the performance of teacher X2 simultaneously influence religious character (Y).

Hamzah Irfanda

Karya Nyata : Jurnal Pengabdian kepada Masyarakat 2025 Lembaga Pengembangan Kinerja Dosen

Strengthening the education of students and parents through flagship programs such as Tahfidz Quran, Hizbul Wathan, and Silat Tapak Suci is a noble effort that must be present in Islamic education, especially in the era of information disruption 5.0. The strategic role of teachers, parents, and religious leaders is crucial in shaping a generation that is both faithful and virtuous. Education that integrates religious values and local wisdom serves as a foundation for facing the increasingly complex challenges of the modern world. Therefore, the community service team is committed to sharing the knowledge they possess with parents, teacher councils, and students at Madrasah Ibtidaiyah Swasta Muhammadiyah Kota Pariaman. Through this program, it is expected that the understanding and skills in educating children will improve, and the relationship between schools, families, and communities will be strengthened. With proper guidance, it is hoped that future generations will be able to face global challenges while maintaining strong religious and moral principles.

Ach. Sofauzzad; Eka Varida Kusuma

Akhlak : Jurnal Pendidikan Agama Islam dan Filsafat 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Education plays a crucial role in shaping the personality, morals, and spiritual values of students. In the Islamic perspective, education is not solely focused on the mastery of knowledge but also includes the cultivation of noble character, the strengthening of faith, and the enhancement of religiosity as a form of devotion to Allah Swt. Islamic boarding schools (pondok pesantren), as traditional Islamic educational institutions, have a strategic role in instilling these values through religious activities, the teaching of classical Islamic texts (kitab kuning), and the habituation of virtuous behavior. Pesantren serve not only as centers of learning but also as institutions for character formation and spiritual development. However, the forces of globalization and modernization bring new challenges in the form of cultural, technological, and informational influences that often conflict with Islamic values. Therefore, pesantren are required to develop adaptive, innovative, and relevant educational strategies that align with contemporary needs without losing their Islamic identity. One effective approach is the implementation of Islamic counseling, a process of psychological and spiritual guidance grounded in the Qur’an and Sunnah. Through this counseling, students are expected to strengthen their faith, enhance their religiosity, and develop moral resilience in facing the dynamics of modern life based on strong Islamic values.

Sucipto Sucipto; Rachmat Panca Putera

Akhlak : Jurnal Pendidikan Agama Islam dan Filsafat 2025 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This research aims to examine the dialectics of Islamic philosophers’ thought within the framework of Islamic philosophy of education, focusing on the ideas of Al-Farabi, Al-Ghazali, Ibn Sina, and Ibn Khaldun. The study is motivated by contemporary issues in Islamic education, which tends to emphasize cognitive and technical aspects while neglecting spiritual, moral, and social dimensions. In this context, the intellectual heritage of classical Islamic philosophers offers alternative paradigms that are more balanced, holistic, and future-oriented. The research applies a qualitative library-based design, employing philosophical hermeneutics to interpret primary texts and secondary literature. This method allows for a critical reading of the philosophers’ ideas, followed by a synthesis of their dialectical relationships. The findings reveal three major dialectics: rationality versus spirituality, represented by Al-Farabi and Al-Ghazali; individuality versus sociality, as reflected in Ibn Sina and Ibn Khaldun; and idealism versus realism, which bridges normative visions with historical realities. These dialectics do not end in opposition but generate an integrative framework for Islamic educational philosophy. The study concludes that Islamic education should be understood as a transformative process that unites intellect and heart, balances individual growth with social responsibility, and integrates ideal visions with empirical realities. The dialectics of Islamic philosophers therefore carry not only historical significance but also strategic relevance for developing Islamic curricula oriented toward nurturing the insan kamil and fostering a dignified civilization in the global era.

Andre Jonatan; Hineru Sidabutar; Intan Panggabean; Imanuel Simarmata; Lilis Manik +2 more

Jurnal Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

This research aims to identify and develop effective strategies to enhance language skills with self-confidence among students of Electrical Engineering Education at Universitas Negeri Medan. Language proficiency and self-confidence are crucial factors in supporting both academic and professional communication in the field of electrical engineering, especially when students are required to present ideas, convey research findings, and interact in the workplace. The research employed a qualitative method with direct observation, in-depth interviews, and literature study to obtain valid and comprehensive data. The findings indicate that the implementation of interactive learning methods, regular speaking practice, the utilization of technological media, and the reinforcement of a positive mindset significantly improve students’ language abilities while simultaneously fostering their confidence in communication. Furthermore, the presence of a supportive learning environment and the active role of lecturers as facilitators contribute to encouraging students to perform confidently in public. The implications of this study are expected to serve as a reference for educators and educational institutions in improving the quality of language learning, particularly in technical study programs. Thus, graduates are not only equipped with technical expertise but also possess strong communication competencies to face global challenges.

Monika Febiyola Br Pandia; Risden Anakampun; Simion D. Harianja

Jurnal Teologi Injili dan Pendidikan Agama 2025 Sekolah Tinggi Pastoral Kateketik Santo Fransiskus Assisi

The aim of this research is to determine the influence of Christian Religious Education Teachers' Personality Competencies and Character on the Behavior of Class VII students at SMP Negeri 3 Lintongnihuta for the 2023/2024 academic year. The research method used is a quantitative method with a descriptive and inferential approach. The population is all class VII students of SMP N 3 Lintongnihuta, North Tapanuli Regency for the 2023/2024 academic year, 164 of whom are Protestant Christians and a sample of 41 people was determined using random sampling techniques. Data was collected using a positive closed questionnaire with 30 items, namely 15 items for variable 2023/2024, proven through the following data analysis: 1) Test the analysis requirements: a) positive relationship test obtained rxy = 0.518 > rtable(a=0.05,n=41) = 0.316. b) Testing a significant relationship obtained tcount= 3.782 > ttable(a=0.05, dk=n-2=39)= 2.021. 2) Test the effect: a) Test the regression equation, obtained the regression equation Y ̂="21.17"+0.58X. b) Regression coefficient of determination test (r2) = 26.8%. 3) Test the hypothesis using the F test to obtain Fcount > Ftable=(a=0.05, dk numerator k=15, dk denominator=n-2=41-2=39) namely 14.26 > 1.92. Thus Ha is accepted and H0 is rejected.

Hartati, Sri; Sonhaji, Sonhaji; Rina Apriliani; Musrifah, Musrifah

Teknik: Jurnal Ilmu Teknik dan Informatika 2025 LPPM Sekolah Tinggi Ilmu Ekonomi - Studi Ekonomi Modern

Pemilihan jurusan di Sekolah Menengah Kejuruan (SMK) merupakan tahap penting yang mempengaruhi arah pendidikan dan karier siswa di masa depan. Di SMK XYZ Kabupaten Tegal, pemilihan jurusan masih dilakukan secara konvensional dengan mempertimbangkan nilai rapor dan saran dari guru atau orang tua, yang cenderung bersifat subjektif dan tidak sepenuhnya memperhatikan potensi serta minat individual siswa. Untuk itu, penelitian ini bertujuan mengembangkan sistem pendukung keputusan (SPK) yang dapat memberikan rekomendasi jurusan secara objektif dan sistematis menggunakan dua metode, yaitu Naive Bayes dan Simple Additive Weighting (SAW). Naive Bayes, yang berbasis pada algoritma probabilistik, telah terbukti efektif dalam memprediksi ketuntasan belajar siswa, sementara SAW banyak digunakan dalam pengambilan keputusan multikriteria dengan memperhitungkan beberapa aspek kriteria seperti nilai rapor, hasil psikotes, dan minat siswa. Penelitian ini mengkomparasi kedua metode tersebut untuk menentukan mana yang lebih optimal dalam memberikan rekomendasi jurusan yang akurat dan sesuai dengan karakteristik siswa di SMK XYZ. Hasil penelitian diharapkan dapat memberikan solusi alternatif bagi sekolah dalam proses pemilihan jurusan yang lebih objektif, efisien, dan minim subjektivitas, serta dapat diterapkan pada proses pendidikan di SMK lainnya.

Rifka Siva Br Sinaga; Ratu Pranatalia; Suardin Zai

Jurnal Teologi Injili dan Pendidikan Agama 2025 Sekolah Tinggi Pastoral Kateketik Santo Fransiskus Assisi

It was found that there were still many irregularities in school financial management which resulted in the school financial system being unsystematic. The aim of this research is to find out how the school financial transparency system works to create a smart school with a management system with good integrity based on the construction of Christian education. The research method used in this research uses descriptive qualitative research methods. The results show that if financial transparency can be implemented well, many parties will benefit and schools will gain good accountability. It is hoped that with this research, more schools will be able to implement school financial transparency.

Yuli Anti, Ria; Bagus Efendi, Farid; Dian Purnama Windrayadi, Yosia

The convenience of digital payments and the advancement of financial technology may influence on students' purchasing decisions, making sound financial management and financial literacy crucial. The objective of this study is to examine how students in the Economics Education Study Program's personal financial management abilities are impacted by financial literacy, priority scale setting, and digital payment usage. A quantitative associative research strategy is used, with 64 students serving as a sample from a population of 173 pupils chosen by purposive sampling. Questionnaires were used to gather data, and SPSS version 23 was used for analysis. The findings indicate that priority scales and financial literacy have a beneficial impact on personal financial management, while digital payment have no effect. However, concurrently, these three independent variables exert influence on students’ personal financial management.