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Sitompul, Pandapotan
Universitas Katolik Santo Thomas Medan
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Journal : Economic Reviews Journal

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Analisis Faktor-Faktor yang Mempengaruhi Pengelolaan Keuangan pada Generasi Muda Profesional: Peran Fintech, Literasi, dan Perencanaan Finansial Indriani, Lau Rensia Riri; Girsang, Marianus Jhon Libert; Silalahi, Donalson; Sitompul, Pandapotan
Economic Reviews Journal Vol. 4 No. 4 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i4.932

Abstract

This study aims to analyze the influence of financial technology (fintech), financial literacy, and financial planning on financial management among young professionals using a descriptive quantitative approach and Structural Equation Modeling - Partial Least Squares (SEM-PLS) method. Data were collected through questionnaires distributed to 200 respondents aged 22–35 who are professionally employed in various sectors. Data analysis was conducted using SmartPLS software. The results show that all three independent variables—fintech, financial literacy, and financial planning—have a positive and significant effect on financial management. Financial literacy was found to be the most dominant influencing factor. These findings emphasize that enhancing financial knowledge, planning capabilities, and the wise use of financial technology plays a crucial role in shaping sound financial behavior among young professionals
Co-Authors Anitha P. Tinambunan Anitha Paulina Tinambunan Aritonang, Rinaldi Asmar Aritonang, Yenti Ayu Trisanti Bondar, Lastrinda Daely, Hele Dina Depari, Oyke Alfons Donalson Silalahi Elvin Susanto Telaumbanua Esli Silalahi Ginting, Bemi Prananta Girsang, Marianus Jhon Libert Girsang, Marianus Jhonlibert Gultom, Lamtiur lidia Gultom, Petra Aprianti Guteres, Juniana P Habeahan, Aprilia Harefa, Hilda Syaf’aini Hulu, Ruth Ansella Thalita Hutabarat, Agustina Purnama Sari Hutapea, Putri Hutapea, Putri Wildasari br. Imanuel Tarigan INDRIANI, LAU RENSIA RIRI Juniana P Guteres Kornel Munthe Lestari Pratiwi Sitanggang Manik, Artha Manjorang, Nesa Repinalia Br Marbun, Patricia Margery, Errie Mawar Nauli Mei Veronika Sri Endang Siagian Munthe, Alexander Chrisse Ginting Napitu, Olivia Nauli, Harum Nauli, Kembang Nauli, Mawar Nawary Saragih nur subiantoro Oslan Juliana Simbolon Oyke Alfons Depari Purba, Betniar Riko Fridolend Sianturi Ritawati Sirait Ruben Simangunsong S, Joni Kristian Firdaus Sagala, Roslinda SAUT PURBA Siagian, Mei Veronica Sri Endang Sibagariang, Oktaviana Gracella Br Sihombing, Thomas H Sihombing, Watalina Sihotang, Helena Silaban, Lovian Putri Silalahi, Donalson Simangunsong, Elisabeth Simangunsong, Ruben Simanihuruk, Peran Simbolon, Oslan Juliana Sinaga, Irma Suriyani Sinambela, Julivacius Gok Asi Sinar Ritonga Sinurat, Indriyani Sirait, Ritawati Sitanggang, Darna Sitanggang, Irwanto Sitanggang, Lestari Sitanggang, Lestari Pratiwi Sitio, Febri Liana Situmorang, Hesti Wahyuni Subambang Harsono Suriyani Sinaga, Irma Tambun, Erna Tambunan, Putri Handini Tampubolon, Anggun Noverita Tarigan , Miska Irani Tarigan, Miska Irani Tarigan, Miska Iriani Trisanti, Ayu