Pengelolaan Keuangan Mahasiswa Penerima Beasiswa KIP-Kuliah: Perspektif Mahasiswa FEB Universitas Mataram
Abstract
This study aims to analyze the financial management of students who have received the Indonesia Smart College Card (KIP Kuliah) scholarship at the Faculty of Economics and Business, University of Mataram. The methodology that researcher use is a descriptive qualitative study, with data collected through in-depth interviews and observations of 100 students, both scholarship recipients and non-recipients. The results of this interview indicate that the phenomenon of a consumptive lifestyle among KIP Kuliah scholarship recipients affects their financial management, as many tend to allocate funds in ways that do not align with their academic needs. Additionally, delays in fund disbursement exacerbate students' financial planning difficulties, prompting them to seek additional income and potentially divert funds from their intended educational purposes. A literature review supports these findings, stating that a lack of financial education and weak behavioral control worsen the situation, making it difficult for students to distinguish between needs and wants. This study presents novelty by identifying inefficient financial management patterns and providing recommendations for improving the KIP Kuliah scholarship program.
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References
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Arfyanti, I., Fahmi, M., & Adytia, P. (2022). Penerapan Algoritma Decision Tree Untuk Penentuan Pola Penerima Beasiswa KIP Kuliah. Building of Informatics, Technology and Science (BITS), 4(3), 1196–1201. https://doi.org/10.47065/bits.v4i3.2275
Bailusy, M. N., Amarullah, D., & Ikbal, I. R. (2023). Analyzing The Behavior Of Smes To Use External Financing Using Theory Of Planned Behavior. Conference on Economics and Business Innovation (CEBI), 3(1), 369–379. https://doi.org/10.31328/cebi.v3i1.393
Boonroungrut, C., & Huang, F. (2021). Reforming Theory of Planned Behavior to Measure Money Management Intention: a Validation Study Among Student Debtors. RAUSP Management Journal, 56(1), 24–37. https://doi.org/10.1108/RAUSP-02-2019-0029
Caesaria, S. D., & Kasih, A. P. (2024, May 2). Viral Mahasiswa KIP Kuliah Bergaya Hidup Mewah, Kemendikbud Jelaskan Aturannya. Kompas. https://www.kompas.com/edu/read/2024/05/02/153846771/viral-mahasiswa-kip-kuliah-bergaya-hidup-mewah-kemendikbud-jelaskan
Febriyanto, S., Putri, R. A. C. D. A., Ardianty, I. D., Cahyani, A. P. R., & Djasuli, M. (2024). Penyalahgunaan Dana Kartu Indonesia Pintar Kuliah dan Dampaknya Terhadap Pendidikan di Indonesia. Collegium Studiosum Journal, 7(1), 28–36. https://doi.org/10.56301/csj.v7i1.1193
Gunawan, A., & Syakinah, U. (2022). Pengaruh Kontrol Diri dan Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Sumatera Utara. Seminar Nasional Multidisiplin Ilmu, 3(1), 146–170.
Harlina, E., Purnawan, H., & Suri, E. W. (2023). Evaluasi Pelaksanaan KIP-Kuliah Tahun 2022 (Studi di Universitas Prof. DR. Hazairin, SH Bengkulu). Jurnal Ilmiah Administrasi Publik, 1(2), 27–34. https://journals.unihaz.ac.id/index.php/md/article/view/3814/1797
Hatimah, H. (2022). Analisis Pengelolaan Keuangan dan Prioritas Konsumsi Mahasiswa Bidikmisi dan KIP-Kuliah Universitas Islam Negeri Mataram Angkatan 2019-2022 [Skripsi]. Universitas Islam Negeri (UIN) Mataram.
Hermina, U. N., Asha, M. T., & Zain, D. (2022). Pengaruh Pemberian Beasiswa Terhadap Motivasi Belajar Mahasiswa. Jurnal Perspektif Administrasi Dan Bisnis, 3(1), 7–12. https://doi.org/10.30862/jpab.v3i1.25
Hisyam, C. J., Khotimah, H., Dewi, K., & Virdi, S. (2024). Analisis Fenomena Hedonisme di Kalangan Mahasiswa Penerima Beasiswa KIP Kuliah: Perspektif Sosio-Ekonomi Baru. Populer: Jurnal Penelitian Mahasiswa, 3(2), 16–30. https://doi.org/10.58192/populer.v3i2.2134
Ilham, Suwijana, I. G., & Nurdin. (2018). Sistem Pendukung Keputusan Penerimaan Beasiswa pada SMK 2 Sojol Menggunakan Metode AHP. Jurnal Elektronik Sistim Informasi Dan Komputer (JESIK), 4(2), 48–58. https://jesik.web.id/index.php/jesik/article/view/86
Jati, A. N., Setyawanti, D., Christanti, P. L., Hersulastuti, Suranto, M., & Ambarsari, D. W. (2022). Measurement of Financial Literacy on Students Behavior in Managing Financial Management Based on the Theory of Planned Behavior. International Journal of Economics, Business and Management Research, 6(08), 249–257. https://doi.org/10.51505/ijebmr.2022.6818
Kusumawati, O., Animah, & Isnawati. (2022). Analisis Efektivitas dan Efisiensi Pelaksanaan Anggaran Belanja pada Dinas Sosial Kota Mataram. Jurnal Ilmiah Akuntansi Indonesia, 7, 125–141. https://doi.org/10.32528/nms.v1i5.216
Leniwati, D., Brilyan, P. R., & Wahyuni, E. D. (2021). Determinants Theory of Planned Behavior on Student’s Interest in Using Financial Technology. Jurnal Reviu Akuntansi Dan Keuangan, 11(3), 467–482. https://doi.org/10.22219/jrak.v11i3.17903
Mulyadi, D. R., Subagio, N., & Riyadi, R. (2022). Kemampuan Pengelolaan Keuangan Mahasiswa Pendidikan Ekonomi Universitas Mulawarman. Educational Studies: Conference Series, 2(1), 25–32. https://doi.org/10.30872/escs.v2i1.1186
Napitupulu, J. H., Ellyawati, N., & Astuti, R. F. (2021). Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Kota Samarinda. Jurnal Pendidikan Ekonomi, 9(3), 138–144. https://doi.org/10.26740/jupe.v9n3.p138- 144
Qurrotuaini, P. W., Puspitasari, D. A., Rohmah, N., Fatimah, A. N., & Mullah, N. Y. H. (2022). Analisis Perilaku Konsumtif Pada Mahasiswa Penerima Beasiswa Bidikmisi-KIP Kuliah Angkatan 2020 Uin Raden Mas Said Surakarta. Academica, 6(1), 148–168.
Rangkuti, P. A. br, Hanum, F., & Lestari, D. (2023). Manajemen Pengelolaan Keuangan Mahasiswa Penerima Beasiswa KIP Kota Medan (Studi Kasus Mahasiswa di Kota Medan). Jurnal Akuntansi Keuangan Dan Bisnis, 1(2), 38–43. https://jurnal.ittc.web.id/index.php/jakbs/article/view/20/26
Saleh, S. (2017). Analisis Data Kualitatif (H. Upu, Ed.). Pustaka Ramadhan, Bandung.
Shook, C. L., & Bratianu, C. (2010). Entrepreneurial Intent in a Transitional Economy: An Application of the Theory of Planned Behavior to Romanian Students. International Entrepreneurship and Management Journal, 6, 231–247. https://doi.org/10.1007/s11365-008-0091-2
Warsono. (2010). Prinsip-prinsip dan Praktik Keuangan Pribadi. Jurnal Salam, 13(2), 137–151. https://ejournal.umm.ac.id/index.php/salam/article/view/470
Widodo, F. N. A. (2024, June 15). Penerima KIP-K yang salah sasaran : Mahasiswa Penerima KIP-K memiliki gaya hidup mewah. Mahasiswa.Co.Id. https://mahasiswa.co.id/penerima-kip-k-yang-salah-sasaran-mahasiswa-penerima-kip-k-memiliki-gaya-hidup-mewah/6682/
Yusuf, E., & Sari, W. (2022). Pengaruh Beasiswa KIP Uang Kuliah Tunggal (UKT) Terhadap Prestasi Belajar Mahasiswa Program Studi Pendidikan Ekonomi Fakultas Keguruan dan Ilmu Pendidikan Universitas Muhammadiyah Bengkulu. Jurnal Multidisiplin Dehasen, 1(3), 189–196.
Zainal, R., Joesyiana, K., Zainal, H., Wahyuni, S., & Adriyani, A. (2023). Manajemen Pengelolaan Keuangan bagi Mahasiswa Penerima Beasiswa KIP Kuliah pada Perguruan Tinggi di Lingkungan Yayasan Pendidikan Persada Bunda (STIE-STISIP-STBA-STIH). JIPM: Jurnal Inovasi Pengabdian Masyarakat, 1(1), 1–5. https://doi.org/10.55903/jipm.v1i1.23
Published
2025-06-30
How to Cite
PUTRI, Dhea Mayzulianda; ISNAWATI, Isnawati.
Pengelolaan Keuangan Mahasiswa Penerima Beasiswa KIP-Kuliah: Perspektif Mahasiswa FEB Universitas Mataram.
Jurnal Akuntansi, [S.l.], v. 13, n. 1, p. 13 - 26, june 2025.
ISSN 2540-9646.
Available at: <https://jurnalfe.ustjogja.ac.id/index.php/akuntansi/article/view/4451>. Date accessed: 04 july 2025.
doi: https://doi.org/10.30738/ja.v13i1.4451.
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Artikel
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