Building Awareness of Financial Management Behavior Among Students
DOI:
https://doi.org/10.51903/kompak.v17i1.1799Kata Kunci:
fintech payment, pengalaman keuangan, sosialisasi keuangan, perilaku pengelolaan keuanganAbstrak
This research aims to examine the influence of fintech payments, financial socialization and financial experience on financial management behavior. This research uses quantitative descriptive methods. The population in this study were active students at Muhammadiyah University of Sidoarjo, totaling 12,730 students and used a purposive sampling technique. The sample was determined using the Slovin formula and a sample of 99 respondents was obtained. The research data source is primary data. The analysis technique uses Partial Last Square with Smart PLS 3.0. The research results show that fintech payment, financial experience and financial socialization partially have a significant effect on financial management behavior.
Referensi
1. Reviandani W. Pengaruh Locus Of Control, Financial Knowledge dan Parental Income terhadap Perilaku Pengelolaan Keuangan (Studi pada Mahasiswa Baru Program Studi Manajemen Tahun 2021 Universitas Muhammadiyah Gresik). JMK (Jurnal Manaj dan Kewirausahaan). 2022;7(2):68–77.
2. Naufalia V, Wilandari A, Windasari V, Helmy S. Pengaruh Financial Socialization dan Financial Experience terhadap Financial Management Behavior. Perspekt J Ekon Manaj Univ Bina Sarana Inform. 2022 Sep;20 No. 2:142–9.
3. bps. Pengeluaran untuk Konsumsi Penduduk Indonesia. In: BPS-Statistic Indonesia. 2023. p. 1–116.
4. Purwanti. Pengaruh Financial Knowledge, Financial Attitude, Presepsi Kemudahan, Sosial Demografi Penggunaan Dana Dompet Digital Terhadap Financial Management Behavior (Studi Empiris Konsumen Mahasiswa di Pelita Bangsa). J Daya Saing [Internet]. 2021;7(1):57–64. Available from: https://www.ejournal.kompetif.com/index.php/dayasaing/article/view/554
5. Ramadhantie SL, Lasmanah. Pengaruh Financial Knowledge dan Financial Attitude Terhadap Financial Management Behaviour. Bandung Conf Ser Bus Manag. 2022;2(1):90–7.
6. Rahman A. Model pola konsumsi mahasiswa dilihat dari literasi keuangan Student consumption pattern model seen from financial literation. Forum Ekon [Internet]. 2020;22(2):165–76. Available from: http://journal.feb.unmul.ac.id/index.php/Forumekonomi
7. Jazuli A, Setiyani R, Ekonomi JP, Ekonomi F, Artikel S. Economic Education Analysis Journal Terakreditasi SINTA 5 Anteseden Financial Management Behavior: Financial Literacy Sebagai Intervening. EEAJ [Internet]. 2021;10(1):163–76. Available from: http://journal.unnes.ac.id/sju/index.php/eeaj
8. Mukti VW, Rinofah R, Kusumawardhani R. Pengaruh fintech payment dan literasi keuangan terhadap perilaku manajemen keuangan mahasiswa. Akuntabel. 2022;19(1):52–8.
9. Sari N. Pengaruh Financial Literacy, Locus of Control, Life Style, dan Gender terhadap Financial Management Behavior Mahasiswa Universitas Negeri Surabaya. J Ilmu Manaj. 2021;9(2):670.
10. Amalia RD, Purwantini AH. Investigasi Niat Penggunaan Financial Technology Payment Bagi Usaha Mikro Kecil Menengah. J Akunt Univ Jember. 2021;19(1):35–46.
11. Hidayati AR, Nugroho DS. Effect of Financial Literacy and Fintech Payment of Financial Management Behavior with Internal Locus of Control as Moderator. J Bus Manag Econ Dev. 2023;1(02):221–9.
12. Kusumar F, Mendari AS, Kunci K. Fintech Payment : Pengaruhnya Pada Perilaku Manajemen Keuangan Mahasiswa Di Palembang. Bul Ekon [Internet]. 2021 Apr;19(2):69–76. Available from: https://keuangan.kontan.co.id/,
13. Siskawati EN, Ningtyas MN. Financial Literature, Financial Technology and Student Financial Behavior. Dialekt J Ekon dan Ilmu Sos. 2022;7(2):102–13.
14. Safitri A, Kartawinata BR. (Studi pada Wanita Bekerja di Kota Bandung) Program Studi Manajemen Fakultas Ekonomi Dan Bisnis Universitas Komputer Indonesia Bandung. J Ilmu Keuang dan Perbank. 2020;9(2).
15. Guntur YS, Soares J. Financial Literacy as a Mediation of Financial Attitudes and Financial Experience on Financial Management Behaviour. Proceeding Int Conf Econ Bus Manag Account. 2022;392–404.
16. Sahara Y, Fuad M, Setianingsih D. The role of financial attitude, financial experience, financial knowledge and personality on student’s personal financial management behavior. Sorot. 2022;17(3):167.
17. Irmalis A, Damrus. Behavior of Financial Management in Coastal Communities: A Case Study of West-South Aceh Millennials. J Soc Policy Issues. 2022;1:1–5.
18. Dewanti VP, Asandimitra N. Pengaruh Financial Socialization, Financial Knowledge, Financial Experience terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Mediasi pada Pengguna Paylater. J Ilmu Manaj. 2021;9(3):863–75.
19. Silviana A, Widyastuti T, Bahri S. Pengaruh Financial Knowledge, Financial Socialization Dan Financial Self-Efficacy Tehadap Financial Management Behavior Melalui Locus Of Control Sebagai Variabel Intervening Di Universitas Pancasila. EKOBISMAN J Ekon Bisnis Manaj. 2023;(3):190–202.
20. Firdaus AF, Kadarningsih AK. Peran Financial Sosialization, Financial Self-Efficacy Dan Financial Knowledge Terhadap Financial Management Behavior Generasi Z. 2023;3(3):415–25.
21. Lenaini I. Teknik Pengambilan Sampel Purposive Dan Snowball Sampling. Hist J Kajian, Penelit Pengemb Pendidik Sej. 2021;6(1):33–9.
22. Santoso A. umus Slovin : Panacea Masalah Ukuran Sampel ? Suksma J Psikol Univ Sanata Dharma. 2023;Vol 4(No 2):25–43.
23. Yudha Erlangga M, Krisnawati A, Prodi ), Bisnis M, Ekonomi F, Bisnis D. Pengaruh Fintech Payment Terhadap Perilaku Manajemen Keuangan Mahasiswa. JRMB. 2020 Jun;15(1):53–61.
24. Azzahra T, Kartini. Pengaruh Financial Technology Payment, Financial Attitude, dan Financial Knowledge terhadap Financial Management Behavior bagi Mahasiswa di Yogyakarta. Sel Manaj J Mhs Bisnis Manaj. 2022;1(2):78–91.
25. Joseph F. Hair J. GTMHCMRMS. A primer on partial least squares structural equation modeling (PLS-SEM)-Third Edition. 2021. 385 p.
2. Naufalia V, Wilandari A, Windasari V, Helmy S. Pengaruh Financial Socialization dan Financial Experience terhadap Financial Management Behavior. Perspekt J Ekon Manaj Univ Bina Sarana Inform. 2022 Sep;20 No. 2:142–9.
3. bps. Pengeluaran untuk Konsumsi Penduduk Indonesia. In: BPS-Statistic Indonesia. 2023. p. 1–116.
4. Purwanti. Pengaruh Financial Knowledge, Financial Attitude, Presepsi Kemudahan, Sosial Demografi Penggunaan Dana Dompet Digital Terhadap Financial Management Behavior (Studi Empiris Konsumen Mahasiswa di Pelita Bangsa). J Daya Saing [Internet]. 2021;7(1):57–64. Available from: https://www.ejournal.kompetif.com/index.php/dayasaing/article/view/554
5. Ramadhantie SL, Lasmanah. Pengaruh Financial Knowledge dan Financial Attitude Terhadap Financial Management Behaviour. Bandung Conf Ser Bus Manag. 2022;2(1):90–7.
6. Rahman A. Model pola konsumsi mahasiswa dilihat dari literasi keuangan Student consumption pattern model seen from financial literation. Forum Ekon [Internet]. 2020;22(2):165–76. Available from: http://journal.feb.unmul.ac.id/index.php/Forumekonomi
7. Jazuli A, Setiyani R, Ekonomi JP, Ekonomi F, Artikel S. Economic Education Analysis Journal Terakreditasi SINTA 5 Anteseden Financial Management Behavior: Financial Literacy Sebagai Intervening. EEAJ [Internet]. 2021;10(1):163–76. Available from: http://journal.unnes.ac.id/sju/index.php/eeaj
8. Mukti VW, Rinofah R, Kusumawardhani R. Pengaruh fintech payment dan literasi keuangan terhadap perilaku manajemen keuangan mahasiswa. Akuntabel. 2022;19(1):52–8.
9. Sari N. Pengaruh Financial Literacy, Locus of Control, Life Style, dan Gender terhadap Financial Management Behavior Mahasiswa Universitas Negeri Surabaya. J Ilmu Manaj. 2021;9(2):670.
10. Amalia RD, Purwantini AH. Investigasi Niat Penggunaan Financial Technology Payment Bagi Usaha Mikro Kecil Menengah. J Akunt Univ Jember. 2021;19(1):35–46.
11. Hidayati AR, Nugroho DS. Effect of Financial Literacy and Fintech Payment of Financial Management Behavior with Internal Locus of Control as Moderator. J Bus Manag Econ Dev. 2023;1(02):221–9.
12. Kusumar F, Mendari AS, Kunci K. Fintech Payment : Pengaruhnya Pada Perilaku Manajemen Keuangan Mahasiswa Di Palembang. Bul Ekon [Internet]. 2021 Apr;19(2):69–76. Available from: https://keuangan.kontan.co.id/,
13. Siskawati EN, Ningtyas MN. Financial Literature, Financial Technology and Student Financial Behavior. Dialekt J Ekon dan Ilmu Sos. 2022;7(2):102–13.
14. Safitri A, Kartawinata BR. (Studi pada Wanita Bekerja di Kota Bandung) Program Studi Manajemen Fakultas Ekonomi Dan Bisnis Universitas Komputer Indonesia Bandung. J Ilmu Keuang dan Perbank. 2020;9(2).
15. Guntur YS, Soares J. Financial Literacy as a Mediation of Financial Attitudes and Financial Experience on Financial Management Behaviour. Proceeding Int Conf Econ Bus Manag Account. 2022;392–404.
16. Sahara Y, Fuad M, Setianingsih D. The role of financial attitude, financial experience, financial knowledge and personality on student’s personal financial management behavior. Sorot. 2022;17(3):167.
17. Irmalis A, Damrus. Behavior of Financial Management in Coastal Communities: A Case Study of West-South Aceh Millennials. J Soc Policy Issues. 2022;1:1–5.
18. Dewanti VP, Asandimitra N. Pengaruh Financial Socialization, Financial Knowledge, Financial Experience terhadap Financial Management Behavior dengan Locus of Control sebagai Variabel Mediasi pada Pengguna Paylater. J Ilmu Manaj. 2021;9(3):863–75.
19. Silviana A, Widyastuti T, Bahri S. Pengaruh Financial Knowledge, Financial Socialization Dan Financial Self-Efficacy Tehadap Financial Management Behavior Melalui Locus Of Control Sebagai Variabel Intervening Di Universitas Pancasila. EKOBISMAN J Ekon Bisnis Manaj. 2023;(3):190–202.
20. Firdaus AF, Kadarningsih AK. Peran Financial Sosialization, Financial Self-Efficacy Dan Financial Knowledge Terhadap Financial Management Behavior Generasi Z. 2023;3(3):415–25.
21. Lenaini I. Teknik Pengambilan Sampel Purposive Dan Snowball Sampling. Hist J Kajian, Penelit Pengemb Pendidik Sej. 2021;6(1):33–9.
22. Santoso A. umus Slovin : Panacea Masalah Ukuran Sampel ? Suksma J Psikol Univ Sanata Dharma. 2023;Vol 4(No 2):25–43.
23. Yudha Erlangga M, Krisnawati A, Prodi ), Bisnis M, Ekonomi F, Bisnis D. Pengaruh Fintech Payment Terhadap Perilaku Manajemen Keuangan Mahasiswa. JRMB. 2020 Jun;15(1):53–61.
24. Azzahra T, Kartini. Pengaruh Financial Technology Payment, Financial Attitude, dan Financial Knowledge terhadap Financial Management Behavior bagi Mahasiswa di Yogyakarta. Sel Manaj J Mhs Bisnis Manaj. 2022;1(2):78–91.
25. Joseph F. Hair J. GTMHCMRMS. A primer on partial least squares structural equation modeling (PLS-SEM)-Third Edition. 2021. 385 p.
Unduhan
Diterbitkan
2024-04-05
Cara Mengutip
Nikmatur Rokhmah, I., Prapanca, D., & Kumala Sari, H. M. (2024). Building Awareness of Financial Management Behavior Among Students. Kompak :Jurnal Ilmiah Komputerisasi Akuntansi , 17(1), 274–285. https://doi.org/10.51903/kompak.v17i1.1799
Terbitan
Bagian
Articles
.png)
