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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal EMT KITA Journal of Economic, Management, Accounting and Technology (JEMATech) Jurnal STIE Semarang (Edisi Elektronik) Jurnal Ilmiah Akuntansi Kesatuan Indonesia Berdaya Jurnal Abdimas Bina Bangsa Jurnal Bisnis Mahasiswa JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) J-AKSI : JURNAL AKUNTANSI DAN SISTEM INFORMASI JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Journal Markcount Finance (JUMPER) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Pengabdian Kepada Masyarakat Kalam
Durya, Ngurah Pandji Mertha Agung
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Pengaruh Literasi Keuangan dan Persepsi Manfaat Terhadap Minat Penggunaan E-Wallet Mahasiswa Prodi S1 Akuntansi Universitas Dian Nuswantoro Aurellia, Chela Diva; Septriana, Ira; Durya, Ngurah Pandji Mertha Agung; Pamungkas, Imang Dapit
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.8880

Abstract

This research aims to determine the influence of financial literacy and perceived benefits on the interest in using e-wallets among students of the Bachelor of Accounting program at Dian Nuswantoro University. The development of financial technology has driven an increase in the use of e-wallets as a practical and efficient digital payment method, particularly among students. This study employs a quantitative approach using a survey method through an online questionnaire distributed to 85 respondents selected using purposive sampling techniques. The data were analyzed using IBM SPSS version 27. The results indicate that financial literacy has a negative and significant effect on the interest in using e-wallets, while perceived benefits have a positive and significant effect on the interest in using e-wallets. Among the two, perceived benefits proved to be the most dominant factor in driving interest in usage. These findings support the Technology Acceptance Model (TAM), which emphasizes that the perceived usefulness of technology is a primary determinant in the intention to adopt technology. This study suggests the need to enhance financial literacy and strengthen the perceived benefits of e-wallets among students to encourage more optimal use of financial technology.
Literasi Keuangan, Perilaku Keuangan, dan Pendapatan Terhadap Keputusan Investasi pada Mahasiswa Akuntansi Udinus Al-Aziz, Aisyah Amalia; Septriana, Ira; Durya, Ngurah Pandji Mertha Agung; Oktafiyani, Melati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.9201

Abstract

This study aims to analyze the influence of financial literacy, financial behavior, and income on the investment decisions of undergraduate accounting students at Dian Nuswantoro University. The background of this study is based on the increasing trend of investment among Gen Z and various findings from previous studies on the factors that influence investment decisions. This study employs a quantitative approach using a survey method via a questionnaire administered to 92 respondents selected through stratified random sampling. Data were analyzed using multiple linear regression analysis with the assistance of SPSS 27. The results indicate that financial behavior and income have a positive and significant influence on investment decisions, while financial literacy does not have a significant influence. These findings confirm that attitudes and actual financial conditions play a more dominant role in shaping students' investment decisions than their level of financial knowledge. This study has important implications for financial education and the promotion of healthy financial behavior among students.
Co-Authors Agung Prajanto Al-Aziz, Aisyah Amalia Alfiana Alfiana Amalia, Erma Vernanda Anna Sumaryati Aurellia, Chela Diva Azzahro, Afriyani Mabruka Bakhtiar Bambang Minarso, Bambang Damayanti, Gita Donny Dharmawan Elizabeth Yohanes Entot Suhartono Fatoni, M. Anton Ginting, Jenni Veronika Br Habsari, Alya Cantika Hamzah , Ramadhani Hasan, Wahyudin Hendrawan, Henky Imang Dapit Pamungkas Imron, Malinda Aliffiyah Akbar Ira Septriana, Ira Jayanto, Imam Juli Ratnawati Kurniawan, Yohanes Imanuel Kusumaningati, Iip Dyah LUBIS, AMINAH Maharani, Marcella Maharani, Nabila Putri Melati Oktafiyani Musran Munizu Nehayati, Nela Ningtyas, Harfiahani Indah Rakhma Nurriqli, Arifia Pandji, Nadia Pentamitta Pratomo, Devina Agustin Goldie Ratna Herawati Renaldi Retno Indah Hernawati Sandag, Eltie Christi Saprudin Saprudin, Saprudin Saputra, Praditya Miko Shifa, Mutiara Sri Hartono, Sri St. Dwiarso Utomo, St. Dwiarso Syahribulan Tah, Natalistyo Utiarahman, Nurnaningsih Wikan Isthika, Wikan Yulita Setiawanta