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All Journal Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Riwayat: Educational Journal of History and Humanities
Zulfialdi, M. Farid
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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PENGARUH LITERASI KEUANGAN, GAYA HIDUP DAN PENGENDALIAN DIRI TERHADAP PERILAKU KEUANGAN PADA MAHASISWA PTKIN DI JAWA TIMUR Zulfialdi, M. Farid; Sulhan, Muhammad
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 7 No 2 (2023): Edisi Mei - Agustus 2023
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v7i2.3056

Abstract

Penelitian ini mempunyai tujuan untuk mengetahui apakah perilaku keuangan pada mahasiswa Fakultas Ekonomi PTKIN di Jawa Timur dipengaruhi oleh literasi keuangan, gaya hidup, dan pengendalian diri. Populasi penelitian ini adalah seluruh mahasiswa Fakultas Ekonomi PTKIN di Jawa Timur, dan menggunakan sebanyak 100 mahasiswa sebagai sampel dengan menggunakan teknik purposive sampling dalam memilihnya. Penelitian ini adalah jenis penelitian kuantitatif. Penelitian ini menggunakan data primer yang berasal dari kuesioner online. Analisis data menggunakan uji asumsi klasik dan analisis regresi linier berganda dengan menggunakan IBM SPSS Statistics 25.0. Berdasarkan hasil penelitian yang telah diperoleh, dapat disimpulkan bahwa: (1) secara parsial variabel literasi keuangan memiliki pengaruh positif secara signifikan terhadap variabel perilaku keuangan, (2) secara parsial variabel gaya hidup mempunyai pengaruh negatif secara tidak signifikan terhadap variabel perilaku keuangan, (3) secara parsial variabel pengendalian diri mempunyai pengaruh positif secara signifikan terhadap variabel perilaku keuangan, (4) secara simultan variabel literasi keuangan, variabel gaya hidup, dan variabel pengendalian diri mempunyai pengaruh pada perilaku keuangan mahasiswa Fakultas Ekonomi PTKIN di Jawa Timur.
The Effect of Financial Attitude, Financial Literacy, and Financial Technology on Financial Inclusion With Financial Self-Efficacy as a Mediator: A Study on FEB Students at State Universities in Surabaya Zulfialdi, M. Farid; Hartono, Ulil; Haryono, Nadia Asandimitra
Riwayat: Educational Journal of History and Humanities Vol 8, No 3 (2025): July, Social Studies, Educational Research and Humanities Research.
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i3.47998

Abstract

This study aims to analyze the influence of financial attitude, financial literacy, and financial technology on financial inclusion with financial self-efficacy as a mediating variable among students of the Faculty of Economics and Business at public universities in Surabaya. This research uses a quantitative approach, with data collected through questionnaires distributed to 209 respondents selected using purposive sampling. The data were analyzed using Structural Equation Modeling (SEM) with AMOS software. The results show that financial attitude and financial literacy do not significantly affect financial self-efficacy, while financial technology has a significant effect. Furthermore, financial attitude and financial technology have a positive effect on financial inclusion, whereas financial literacy does not show a significant effect. The mediation test reveals that financial self-efficacy only mediates the relationship between financial literacy and financial inclusion. These findings emphasize the importance of strengthening self-efficacy and utilizing digital financial technology as effective strategies to encourage student participation in formal financial systems.
Co-Authors Muhammad Sulhan Nadia Asandimitra Haryono Ulil Hartono