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Author

F. Utami

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Open access Sep 2026

Determinants of Financial Management Behavior among University Students: The Roles of Financial Literacy, Financial Anxiety, and Self-Control

The present study investigates how financial literacy, financial anxiety, and self-control contribute to students' financial management behavior among undergraduates at the Faculty of Economics and Business, University of Jember. A quantitative approach employing an explanatory research design was used to investigate t...

F. Utami, Ana Mufidah · 0 citations
Open access Aug 2026

Evaluation And Optimization Strategy Of Regional Asset Management In The General Bureau Of The Asset Division Of The Governor's Office Of North Sumatera Province

Regional Asset Management (BMD) is a crucial aspect in supporting accountable, transparent, and effective governance. However, asset management at the General Bureau of the Asset Section of the North Sumatra Provincial Governor's Office still faces several challenges, such as inconsistencies in asset data, late recordi...

F. Utami, R. Wibowo, E. P. Sinulingga · 0 citations

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