Pengaruh Literasi Keuangan dan Pemanfaatan Financial Technology terhadap Perilaku Pengelolaan Keuangan Mahasiswa
-
Ghina Kemala Dewi
*
Institut Teknologi dan Bisnis Ahmad Dahlan, Banten,
Indonesia
(*) Corresponding Author
Abstract
This study aims to analyze the effect of financial literacy and the utilization of financial technology on the financial management behavior of active students at the Faculty of Economics, Institut Teknologi dan Bisnis Ahmad Dahlan. This study is motivated by the increasing use of digital financial services among students, which requires adequate financial literacy so that easy access to financial services can be accompanied by appropriate financial management behavior. This study employed a quantitative approach with an explanatory research design. The data were primary data collected through questionnaires distributed to 100 active students selected using a purposive sampling technique. The respondent criteria included active students aged at least 18 years, having experience in independently managing their finances, and having used financial technology services. Data analysis was conducted using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with the assistance of SmartPLS software. Model evaluation was conducted through outer model assessment, including convergent validity, reliability, and discriminant validity, as well as inner model assessment through the coefficient of determination (R²), effect size (f²), collinearity, and hypothesis testing. The results show that financial literacy has a positive and significant effect on students’ financial management behavior, with a path coefficient of 0.472, a t-statistic of 5.214, and a p-value <0.001. The utilization of financial technology also has a positive and significant effect, with a path coefficient of 0.361, a t-statistic of 3.987, and a p-value <0.001. The R² value of 0.586 indicates that the two independent variables explain 58.6% of the variance in financial management behavior. This study contributes theoretically by strengthening the application of the Theory of Planned Behavior and the Technology Acceptance Model, while practically providing insights for higher education institutions and students to integrate financial literacy with the productive and responsible use of financial technology
References
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/https://doi.org/10.1016/0749-5978(91)90020-T
Amalia, I. C. A., & Hana, K. F. (2026). Pengaruh Islamic Financial Literacy Terhadap Financial Management Behavior serta Dampaknya terhadap Financial Technology pada Mahasiswa UIN Sunan Kudus. AL – MUHTARIFIN: Islamic Banking and Islamic Economic Journal, 5(2), 82–89. https://doi.org/10.30596/almuhtarifin.v5i2.30762
Apriani, A., Zoraya, I., & Afandy, C. (2023). The Effect of Fintech Payment, Lifestyle, and Financial Knowledge of Financial Management Behavior on Students of the University of Bengkulu. Proceedings of the 1ST Bengkulu International Conference on Economics, Management, Business and Accounting (BICEMBA 2023), Advances in Economics, Business and Management Researcha, 4–13. https://doi.org/10.2991/978-94-6463-328-3
Basyir, A., Natalina, A., Palupi, D., & Adipati, N. M. (2026). Pengaruh Financial Literacy dan Financial Attitude terhadap Financial Management Behavior Mahasiswa melalui Financial Self-Efficacy. ARBITRASE: Journal of Economics and Accounting, 7(1), 473–484. https://doi.org/10.47065/arbitrase.v7i1.3468
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. JSTOR, 13(3), 319–340. https://doi.org/10.2307/249008
Dew, J., & Xiao, J. J. (2011). The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43–59.
Fadiyah, N. L., & Widodo, H. (2024). Financial Technology and Literacy Shaping Students’ Financial Management with Digital Literacy. Indonesian Journal of Law and Economics Review, 19(4). https://doi.org/10.21070/ijler.v19i4.1160
Febriyana, Y., & Yuanita, D. W. (2024). Pondasi Perilaku Pengelolaan Keuangan Mahasiswa: Peran Dari Literasi Keuangan, Lingkungan Sosial, dan Tingkat Penghasilan Orang Tua Sebagai Pemoderasi. Jurnal Pendidikan Akuntansi (JPAK), 12(1), 33–45. https://doi.org/doi.org/10.26740/jpak.v12n1
Ghozali, I. (2021). Structural Equation Modeling: Metode Alternatif dengan Partial Least Squares (PLS). Semarang: Universitas Diponegoro.
Hair, J. F., Hult, G. T., Ringle, C., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). In Sage (2nd ed.). Sage Publication.
Ibrahim, Hikmah, E. L., & Fadhli, K. (2026). Determinan Manajemen Keuangan Pribadi Mahasiswa: Peran Fintech Payment, Financial Literacy, dan Financial Behaviour pada Mahasiswa. JoEMS: Journal of Education and Management Studies, 9(4), 299–313. https://doi.org/10.32764/joems.v9i4.1803
Khotimah, K., Puspitasari, I., & Prasaja, M. G. (2025). The Impact of Fintech Payments and Financial Literacy on Student Financial Management Behaviour. BALANCE : Economic, Business, Management, and Accounting, 22(1), 15–30. https://doi.org/10.30651/blc.v22i1.23795
Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44.
Miftahussalam, Ratumbuysang, M. F. N. G., Rahmattullah, M., & Rizky, M. (2024). Pengaruh Literasi Finansial Terhadap Perilaku Pengelolaan Keuangan Siswa Kelas Xi Sma Global Islamic Boarding School. Jurnal Pendidikan Ekonomi (JUPE), 12(2), 190–195. https://doi.org/10.26740/jupe.v12n2.p190-195
Mohehu, F., Yunus, N., Ahmad, R., Tambengi, W. M., & Mahmud, I. (2026). Pengaruh Pemanfaatan Financial Technology Dan Self- Control Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Pendidikan Ekonomi. Jurnal Ilmiah Manajemen Dan Bisnis, 9(1), 1123–1131. https://doi.org/10.37479/jimb.v9i1.40225
Nabila, A. S., Sudaryanti, D., & Hidayati, I. (2026). Perilaku Pengelolaan Keuangan Mahasiswa di Era Digital: Peran Financial Literacy dan Digital Payment Experience. E_Jurnal Ilmiah Riset Akuntansi, 15(01), 192–202.
Novianti, R., & Retnasih, N. R. (2023). Financial Literacy , Financial Technology ( FinTech ), and Locus of Control on Financial Management Behavior. Ekonomis: Journal of Economics and Business, 7(1), 422–428. https://doi.org/10.33087/ekonomis.v7i1.824
OECD. (2024). OECD International Network on Financial Education What is financial literacy ? Why join the INFE ? OECD Publishing. https://www.oecd.org/content/dam/oecd/en/topics/policy-sub-issues/financial-education/INFE brochure 2025 (1).pdf
Pramesti, D. A. R., & Widarno, B. (2025). Pengaruh Financial Technology dan Lingkungan Sosial Terhadap Perilaku Pengelolaan Keuangan Mahasiswa dengan Locus of control Sebagai Moderasi ( Studi Kasus Pada Mahasiswa Universitas Slamet Riyadi Surakarta ). ProBank : Jurnal Ekonomi Dan Perbankan, 10(1), 18–29. https://doi.org/10.36587/probank.v10i1.1895
Ratnasari, P., Nurjannah, R. A., & Karoma, Y. (2025). An Empirical Study on the Influence of Financial Literacy on Personal Financial Management among University Students in Indonesia. Jurnal Informasi Dan Teknologi, 7(2), 152–160. https://doi.org/10.60083/jidt.vi0.679
Sugiyono. (2018). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung : Alfabeta.
Sumantri, Albetris, & Akbar, M. (2025). Does Financial Literacy Matter? The Mediating Role of Financial Inclusion in Shaping Students’ Financial Management Behavior. Fundamental and Applied Management Journal, 3(2), 89–102. https://doi.org/10.66314/famj.v3i2.578
Vera, N. P., & Asria, M. (2025). Financial Technology and Behavioral Financial Management. YUME : Journal of Management, 8(2), 1119–1123. https://doi.org/10.37531/yum.v8i2.9064
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Pengaruh Literasi Keuangan dan Pemanfaatan Financial Technology terhadap Perilaku Pengelolaan Keuangan Mahasiswa
Pages: 51-61
Copyright (c) 2026 Ghina Kemala Dewi
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
