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Pengaruh literasi Keuangan dan Perilaku Keuangan Terhadap Manajemen Keuangan Mahasiswa Kelas Karyawan Achmad Nuruddin; Andi Cahya Putra; Tri Yani; Rayhan Gunaningrat
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 1 (2026): Jurnal Riset Multidisiplin Edukasi (Januari 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i1.1578

Abstract

This study aims to analyze the effect of financial literacy and financial behavior on the implementation of financial management. The study uses a quantitative approach with a survey method involving 54 respondents. The data were analyzed using multiple linear regression after undergoing classical assumption tests, including normality, multicollinearity, and autocorrelation tests. The test results show that the regression model meets all classical assumptions. The coefficient of determination (R Square) value of 0.832 indicates that financial literacy and financial behavior can explain 83.2% of the variation in the implementation of financial management. The simultaneous test results show that financial literacy and financial behavior together have a significant effect on the implementation of financial management. However, partially, only financial behavior has a positive and significant effect, while financial literacy does not show a significant effect. These findings indicate that the implementation of financial management is more influenced by actual individual behavior than by the level of financial knowledge alone. This study emphasizes the importance of a behavioral finance approach in improving the quality of individual financial management.
Co-Authors Achmad Nuruddin Adelya Ardhana Adivarani Diaz Rahmawati Agus Suyatno Alima Nur Fadillah Andi Cahya Putra Anggi Septiana Sari Anisa Tri Rahayu Anita Karlina Gunawan Anita Nurul Cahyani Annasya Al Sadhilla Apriliana Nur Choirun Nisa Atala Cindy Fatya Berta Berlianda Chandra Gita Damar Putranto Dea Ananda Destifa Umari Ramadhanti Dewi Aprilia Nugraheni Dewi Wulandari Dinnova Ryo Kristanto Efi Pertiwi Rahayu Eka Darma Ningtyas Enik Tri Afrika Erna Chotidjah Suhatmi Esti Dwi Rahmawati Etika Indah Fani Anisa Fani fidiana putri Fathimatuzzahro Febi Ardhani Febryana Nawantoro Febyola Puspa Dewani Firda Rona Hafizhoh Habib Fajar Aditya Hanifah Dian Hastuti Hesti Widyastuti Indra Hastuti Intan Isra’ Nur Laily Brilian Intan Yunitasari Intana Wahyu Putri Ismi Munfarida KHABIB ALIA AKHMAD Krisna Yusuf Anggoro Kurniasih Kurniasih Latifatun Nikmah Leny Arsita Sari Leny Septyawati Melvin Reinaldi Miftahul Nur Latifa Monica Farissa Zain Monyka Dayu Astuti Muftiyanto, Taufiq Nur Muhammad Annang Fahmi Roziq Muhammad Fadilah Muhammad Zulfikar Romadhon Munawaroh - Ni Made Lintang Purnaasa Niken Vera Kusumawati Nindia mayerli Nur Fajar Ali Maulana Nurullia Rizkyani Oktafianis Oktafianis Olivia Stephanie Sarwono Putri PUPUT MELATI R Taufik Nur Muftiyanto R Taufiq Nur Muftiyanto R. Taufik Nur Muftiyanto R.Taufiq Nur Muftiyanto Rahayu, Istiyawati Ratna Ariyanti Restu Putri Permatasari Ria Nofita Praptiwi Riana Amalia Sacrivi Rieke Alisyiya Nur Safitri Riski Apriani Risma Nur Pratiwi Rita Haju Kaesti Rizki Darmawan Prasetya Saskia Anggun Choirunnisa Septiyanitha Dwi Maharani Putri Silvia Putri Siti Huzaimah Siti Mudurikah Sri Wulan Handayani Sukma Bayu Sumarah Budi Santoso Syahri Romadhon Tiara Kartika Sari Tri Yani Velani Nur Kholifah Wina Yuniarti Winda Saputri Yana Kumara Kristanti Yoseph Adi Nugroho