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All Journal J-MAS (Jurnal Manajemen dan Sains) Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi Jurnal Manajemen dan Bisnis Kreatif Jurnal Manajemen Bisnis Eka Prasetya Jurnal Ilmiah Wahana Pendidikan Economic Reviews Journal Journal of Management and Social Sciences Journal Of Resource Management, Economics And Business (REMICS) Jurnal Penelitian Ekonomi Manajemen dan Bisnis Journal of Management and Creative Business Aspirasi : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Dwi Epty Hidayaty
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Pengaruh Literasi Keuangan dan Penggunaan Digitalisasi Keuangan Terhadap Perilaku Keuangan pada Mahasiswa Program Studi Manajemen Angkatan 2021 Universitas Buana Perjuangan Karawang Viona Marsela; Wanta; Dwi Epty Hidayaty
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.v7i8.7938

Abstract

Over time, rapid digitalization, financial understanding and financial behavior have become crucial aspects in financial management for the community, especially students. The purpose of this study is to examine the impact of financial literacy skills and the use of financial digitalization on the financial behavior of students in the management study program at Buana Perjuang University, Karawang 2021. This study uses a quantitative method with a verification approach. The analytical technique used is path analysis, with a sample size of 203 students, which examines how the influence of financial literacy and the use of financial digitalization affects students' financial behavior. The results of this study indicate that there is a low relationship between the financial literacy variable and the use of financial digitalization. There is a positive and significant partial effect of the financial literacy variable on the financial behavior variable, and there is also a positive and significant partial effect of the use of financial digitalization on the financial behavior variable but it is relatively low. There is a positive and significant influence simultaneously on the variables of financial literacy and the use of financial digitalization on the financial behavior of students of the Management Study Program, Universitas Buana Perjuangan Karawang, Class of 2021. The implications of this study indicate that increasing financial literacy and utilizing financial digitalization can encourage the formation of wiser, more planned, and more responsible financial behavior of students, with an increase in the number of students who pay their UKT on time.
Co-Authors Abdul Anhar Hidayat Alfanny Alfanny Ari Awaludin Atik Srirahayu Barkah Ibnu Romadon Cantika Dwinur Hariri Cita Rizki Dendy Barqah Devina Delta Maharani Dewi Patimah Anggari Dexi Triadinda Didit Supriyadi Diktia Nurfadilah Dita Sukma Palupi Durrotunnashihatil Unsaa Dhiyaa Ulhaqqi Ega Muhammad Hidayat Erna Apriani Ery Rosmawati Fajar Ahmad Prasetyo Febryani, Anastasya Maurita Fikri Irfan Muhyidin Radiningrat Janu Andrifar ZanahZubir Lepat Raharjo Lisa Sulistiyowati Lulu Kamelia Malika Hayatun Nisa Melanda Wulandari Meliyani Melly Maryana Muhamad Sapto Nugroho Muhammad Tandi Prasetyo Mulia Manda Masyhuroh Nurhalimah Nurhalimah Putri Sri Lestari Rengga Madya Pranata Rizky Ahmad Pribadi Robby Fauji Salma Nurmalia Santi Pertiwi Hari Sandi Siti Aisyah Siti Amamilah Sunita Dasman Syahrul Gunawan Tasya Tania Putri Umniyah Viona Marsela Wanta Widiastuti Widiastuti Wike Pertiwi Yessy Shafira Danti Widyasari Yuli Manda Sari Zulfa Zakiatul Hidayah