Article Per Year (5 Year)
p-Index From 2021 - 2026
1.857
P-Index
This Author published in this journals
All Journal Indonesian Journal of Engagement, Community Services, Empowerment and Development (IJECSED) Batara Wisnu : Indonesian Journal of Community Services Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside National Conference on Applied Business, Education & Technology (NCABET) Jurnal Mahasiswa Manajemen dan Akuntansi Journal of Practical Management Studies INCOME : Jurnal Akuntansi dan Keuangan Jurnal Ekonomi Bisnis dan Akuntansi
Novi Handayani
Universitas Bina Bangsa
Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

Published : 11 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 11 Documents
Search

 1   2 
Pengaruh Fintech, Literasi Keuangan, dan Pengelolaan Keuangan terhadap Perilaku Menabung pada Mahasiswa Generasi Z Fakultas Ekonomi dan Bisnis Universitas Bina Bangsa Sabila Febriyanti; Mochamad Fahru Komarudin; Novi Handayani
Jurnal Mahasiswa Manajemen dan Akuntansi Vol. 5 No. 2 (2026): Oktober : JUMMA'45: Jurnal Mahasiswa Manajemen dan Akuntansi
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/jumma45.v5i2.7890

Abstract

Saving behavior has become an important issue for Generation Z students amid the rapid growth of financial technology that has not been matched by adequate financial literacy and financial management. This study aims to analyze the effect of fintech, financial literacy, and financial management on the saving behavior of Generation Z students at the Faculty of Economics and Business, Universitas Bina Bangsa, both partially and simultaneously. This study used a quantitative causal associative approach with a survey method involving 95 of 2,073 students determined through the Slovin formula with a 10 percent margin of error and proportionate stratified random sampling. Primary data were collected through a 1-4 Likert scale questionnaire and analyzed using multiple linear regression with IBM SPSS version 31.0. The t-test results show that fintech has no significant effect on saving behavior, financial literacy has a positive and significant effect, while financial management has no significant effect. The F-test results show that the three variables simultaneously have a significant effect on saving behavior, with an Adjusted R Square of 0.621. These findings indicate that financial literacy is the most dominant factor shaping student saving behavior, while the convenience of financial technology and financial management skills alone are not sufficient to encourage saving habits without individual awareness and intention.
Co-Authors Adib Faqih Robbani Agung Ramadhan Aldi Fatwa Ali Andika Deva Yani Angeli Raulinata Anshori Anshori Diah Permata Sari Elsi Afriani Eti Kuryati Evi Dora Sembiring Fadilla Aprilia Ningsi Fatiya Nuraini Friska Lia Imelda Isnadia Tri Alisba Komarudin, Mochamad Fahru Listiawati Listiawati Moch Fahru Komarudin Muhammad Angga Anggriawan Neneng Yuyu Yunida Husniawati Novrita Tri Yulvia Nur Sri Udayani Pertiwi, Sari Putri Puspita Maelani Raden Irna Afriani Rizki Badrussalam Sabila Febriyanti Samsinar, Ade Yasril Muluk