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Eko Budi Satoto
Manajemen, Universitas Muhammadiyah Jember Indonesia
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Journal : Jurnal Simki Economic

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Pengaruh Fintech Payment, Lifestyle, dan Lingkungan Kampus terhadap Manajemen Keuangan Pribadi Mahasiswa Universitas Muhammadiyah Jember Putri, Shafa Tamtowi; Satoto, Eko Budi; Samsuryaningrum, Ira Puspitadewi
Jurnal Simki Economic Vol 8 No 2 (2025): Volume 8 Nomor 2 Tahun 2025
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v8i2.1231

Abstract

Personal financial management is a systematic and structured approach to managing various aspects of personal finance. For students, personal financial management includes monitoring income and expenses related to basic needs, including education costs, transportation, food, and other basic needs. Using variables such as fintech payments, lifestyle, and the overall educational environment, this study will examine personal financial management at the University of Muhammadiyah Jember. Overall, 380 people were part of this quantitative study. To analyze the data, SPSS 28 was used along with multiple linear regression. The results of this study indicate that fintech payments, lifestyle and school environment each have a good and significant influence on the personal financial management of students at the University of Muhammadiyah Jember.
Pengaruh Gender, Self Efficacy, Financial Knowledge dan Uang Saku terhadap Pengelolaan Keuangan Pribadi pada Mahasiswa di Kabupaten Jember Insani, Iqbal Bagus Satria; Satoto, Eko Budi; Wijayantini, Bayu
Jurnal Simki Economic Vol 8 No 2 (2025): Volume 8 Nomor 2 Tahun 2025
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v8i2.1269

Abstract

Personal finance is an important aspect for students to achieve financial stability. This study aims to analyze the influence of gender, self-efficacy, financial knowledge, and pocket money on personal finance in college students in Jember. This study uses quantitative research methods and uses questionnaire survey techniques on 100 students from various universities. The data collection tool was a questionnaire and the analysis was conducted using multiple linear regression analysis. The results showed that self-efficacy and financial knowledge have a significant influence on student financial management, while gender and pocket money do not have a significant influence on student financial management. This indicates that self-efficacy and financial understanding are more decisive than demographic factors and the amount of money received. This study suggests the need for applicable financial education to improve students' financial literacy and confidence in managing their finances. Other variables such as financial attitudes and social influence can be investigated in the future.
Co-Authors Abadi Sanosra Aditya Dimas Pratama Aditya Surya Manggala Agus Prasetyo Utomo Ahmad Firdaus, Ahmad Ahmad Izzuddin Amri Gunasti Andri Setiawan Andri Setiawan Anggraeni, Novi Annisa Fitriana Artiantyo Wirjo Utomo Aspirandi, Rendy Mirwan Bayu Wijayantini, Bayu Budi Santoso Budi Satria Bakti Camelia, Mirza Hidayatul Daris Gunarto Dewi, Nindi Kumala Diah Ayu Lestari, Diah Ayu Diniah, Ainul Duwi Antoro DWI CAHYONO Endang Fatmawati Erna Ipak Rahmawati Gunarto, Daris Hairul Anwar, Hairul Halim, Moh Hamduwibawa, Rofi Budi Herlambang, Toni Hidayatullah, Rachmad Dando Hosen, Hosen Ida Ayu Putu Sri Widnyani Insani, Iqbal Bagus Satria Irianti, Lutvia Ragilta Iskandar Umarie Izzudin, Ahmad Kosjoko Kosjoko Krisnadhi Hariyanto, Krisnadhi Laella Wardiah Lien Maulina Mahardika, Husein Satria Maheni Ika Sari Malik , M. Musthabiq Dzikril Masno Marjohan Moh. Halim Moh. Thamrin, Moh. Mufarida, Nely Ana Muhammad Lutfi Muhammad Umam Mubarok Muhtar Muhtar Murtaliningtyas, Wenny Mu’ah Nanang Saiful Rizal Nathasya, Fara Ditha Nely Ana Mufarida Ni Nyoman Putu Martini G Nursaid Nursaid Nursaid Nursaid Nursaidah Nursaidah Nursaidah, Nursaidah Nurul Qomariah Onny Purnamayudhia P.A.N, Febriyan Palupi, Anita Dyaning Paramitha Rakhmawati Permatasari, Desta Intan Pratiwi, Yuli Eka Priyono, Pujo Puspitadewi S, Ira Putra, Alfian Perdana Putri, Mika Masarina Putri, Shafa Tamtowi Putu Martini, Ni Nyoman Rakhmawati, Paramitha Restian, Yhoni Rina Ari Ruliati Roshida, Alzena Rusdiyanto Rusdiyanto, Rusdiyanto Sahida, Ayunda Septia Wulandari Samsuryaningrum, Ira Puspitadewi Sarifuddin Setiyo Ferdi Yanuar Setyawan, Ari Sherry Adelia Sofi Aliyah Sofyan Rofi Sri Suherning Sumowo, Seno Susbiyani, Arik Suyanto Suyanto Syah, Aldi Firman Tatit Diansari Reskiputri, Tatit Diansari Taufan Abadi Thamrin, Mohammad Toni Herlambang Toni Herlambang Totok Dwi Kuryanto Trisafe Lukman Candra Umamy, Septy Holisa Umarie, Iskandar Umarie, Winda Islamiyah Valentha, Fangky Vedhia Wati, Agustina Setyo Wenny Murtaliningtyas Wibowo, Yohanes Gunawan Widuri, Ayu Winahyu, Pawestri Wulandari, Dwi Agustin Yandari, Aprilya Dwi Yanuar, Setiyo Ferdi Yohanes Gunawan Wibowo Yudyarto, Koeshar Zainullah, Anas Wahyu Zalkha Soraya