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All Journal TRANSBORDERS: International Relations Journal JURNAL PENDIDIKAN TAMBUSAI Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Jurnal Lentera Pendidikan Pusat Penelitian LPPM UM Metro Journal of Informatics Management and Information Technology EJOIN : Jurnal Pengabdian Masyarakat Innovative: Journal Of Social Science Research Paradigma Journal of Administration Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Bina Desa JMAEKA: Jurnal Manajemen Ekonomi Akuntansi
Salsabila, Amanda
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Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Pengaruh Literasi Keuangan, Pencatatan Keuangan, dan Pemanfaatan Teknologi Digital terhadap Perilaku Keuangan Individu Oktaviansyah, Nabila; Salsabila, Amanda; Alaida, Saqilla Nur; Qilla, Zahra Marsya; Fatma, Kayla Aura; Rudianto, Rudianto
Jurnal Mnajemen | Ekonomi | Akuntansi Vol 2 No 3 (2026): Juni 2026 - Agustus 2026
Publisher : CV Warnak Johanna Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63921/jmaeka.v2i3.482

Abstract

Abstract – The development of digital technology and the rise of financial services have changed the way people, especially the younger generation manage their finances. However, this convenience is not commensurate with financial literacy and financial recording. The purpose of this study is to examine the extent to which financial literacy, financial record-keeping, and the use of digital technology affect individual financial behavior, especially in students who have incomes. In this study, the author used a quantitative approach by distributing questionnaires to respondents. Data were analyzed using a multiple linear regression approach through IBM SPSS Statistics 26 software, which included hypothesis testing (t-test and F-test), classical assumption testing, and data quality testing. That the significance value of financial literacy based on the t-test was obtained by tcal > ttable (2.063 > 1.985), thus Ho1 was rejected. The significance value of financial recording based on the t-test was obtained by tcal > ttable (2.108 > 1.985), thus Ha2 was accepted. The significance value of the use of digital technology based on the t-test was obtained by tcal > ttable (2.605 > 1.985), thus Ho3 was rejected. In addition, the results of the simultaneous analysis show that the combination of cognitive, behavioral, and technological aspects can strengthen an individual's ability to make financial decisions.
Co-Authors Abdul Syahid Akmal, Elfi Fauzana Alaida, Saqilla Nur Andri Anto Tri Susilo, Andri Anto Aprilia Findayani, Aprilia Astuti, Findhi Aulia, Norin Nur A’yun, Nada Qurrota Dedi Kurniawan Dedi Mardiansyah Desy Rufaidah, Desy Dias, Ummi Hajra Fatma, Kayla Aura Fitrian, Novia Hafidzudin, Hasan Hendry Putra, Hendry Ichsanti, Alfa Taulia Julia Kusumaningrum, Tria Angela L, Resti Amelinda I. Masitoh, Berti Lisia Maulana, Vyola Meilyani, Annisa Metra, Pol Mulyono, Aldila Rahfa Putri Nanda, Marisa Shermia Nelly Khairani Daulay Nurkaidah, Nurkaidah Nusarini Nusarini, Nusarini Oktara, Ridho Oktaviansyah, Nabila Qilla, Zahra Marsya Qomariah, Zaitun Riandityo, MHD Malzi Rudianto Rudianto Syamsul Bahri Syifa Chairunnisa, Syifa Zumiyati, Zumiyati