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All Journal Lentera Pendidikan : Jurnal Ilmu Tarbiyah dan Keguruan Jurnal Ilmiah Wahana Akuntansi Owner : Riset dan Jurnal Akuntansi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Kumawula: Jurnal Pengabdian Kepada Masyarakat Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Jurnal Ilmiah Edunomika (JIE) Abdimas Toddopuli: Jurnal Pengabdian Pada Masyarakat Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmiah Raflesia Akuntansi Kontigensi: Jurnal Ilmiah Manajemen JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi)
Asriany Asriany
Universitas Muhammadiyah Palopo
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Analisis Penggunaan Aplikasi Keuangan & Kontrol Diri Terhadap Literasi Keuangan Mahasiswa Afriana Afriana; Asriany Asriany; Sari Ratna Dewi
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 1 (2026): Februari 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i1.5727

Abstract

This study aims to empirically analyze the effect of financial application usage and self-control on the financial literacy of students at Muhammadiyah University Palopo. The main objective of this study is to determine the extent to which the use of financial technology (financial applications) and students' level of self-control contribute to improving personal financial management skills. The approach used is a quantitative method with a survey technique. The research population consisted of 180 active fifth-semester students, and 64 respondents were selected as samples using probability sampling with the simple random sampling method. Data were collected through an online questionnaire and analyzed using multiple linear regression with the help of SPSS version 25. The results showed that both the use of financial applications and self-control had a significant effect on students' financial literacy, both partially and simultaneously. The self-control variable had a more dominant influence than the use of financial applications, with a joint contribution value (R²) of 50.2%. These findings indicate that students' financial literacy is not only determined by their ability to utilize financial technology but also by internal factors such as their ability to control themselves in managing finances. The results of this study are expected to serve as a basis for educational institutions to strengthen digital-based financial education programs and the formation of students' financial character.
Co-Authors Abid Ramadhan Afriana Afriana Alda Fadila Andi Sismar Arianti Latif Dicky Fahrezy Mulya Dicky Fahrezy Mulya Dinda Maharani Jaiz Eka Eka Syam Elva Amrin Firlianti Firlianti Goso , Goso Harma Dani Harma Dani Harmita Sari I Ketut Patra Ibrahim Halim Iksan Iksan Imam Pribadi Jumawan Jasman Nofa Atmayansih Utari Rahmad Solling Hamid Rahmawati Rahmawati Ratna Dewi Rina Rina Karim Riska Eka Putri Bachtiar Rismawati Rismawati Sari Ratna Dewi Sri Hardianti Suci Sudarman Moonai