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All Journal Jurnal Ekonomi dan Bisnis Jagaditha Ilmu Administrasi Publik Holistic Journal Of Management Research JAKPP : Jurnal Analisis Kebijakan & Pelayanan Publik Jurnal Organisasi Dan Manajemen Jurnal Pendidikan Terbuka Dan Jarak Jauh SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Bisma: Jurnal Bisnis dan Manajemen JMS : Jurnal Manajemen Sinergi Hibualamo : Seri Ilmu-Ilmu Sosial dan Kependidikan AkMen JURNAL ILMIAH JISIP: Jurnal Ilmu Sosial dan Pendidikan Journal of Saintech Transfer Akuntabilitas: Jurnal Ilmiah Ilmu-Ilmu Ekonomi Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton Journal Of Management Science (JMAS) Jurnal Pendidikan Cakrawala Management Business Journal International Journal of Economics Development Research (IJEDR) Jurnal Ilmiah Profesi Pendidikan Jurnal Ilmiah Manajemen Kesatuan Enrichment : Journal of Management Journal of Economic, Public, and Accounting (JEPA) BJRM (Bongaya Journal of Research in Management) Al Qisthi: Jurnal Sosial dan Politik Coopetition : Jurnal Ilmiah Manajemen Journal of Management and Bussines (JOMB) Akrab Juara : Jurnal Ilmu-ilmu Sosial Al-Qisthi: Jurnal Sosial dan Politik Terbuka Journal of Economics and Business INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Indonesian Community Journal Studi Akuntansi, Keuangan, dan Manajemen Jurnal Pengabdian Mandiri JURNAL SIPISSANGNGI: Jurnal Pengabdian Kepada Masyarakat JAQ Jurnal Ekonomika Manajemen Dan Bisnis Jurnal Manajemen, Akuntansi, Ekonomi Journal of Artificial Intelligence and Digital Business JAMAS: Jurnal Abdi Masyarakat Jurnal Strategi Bisnis Teknologi Asian Journal of Management, Entrepreneurship and Social Science Society Jurnal Riset Multidisiplin Edukasi Journal of Management Branding Indonesia Economic Journal Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah
Anfas, Anfas
Jurusan Manajemen, Fakultas Ekonomi, Universitas Terbuka
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The Impact of Financial Behavior and FinTech Utilization on Student Retention at Universitas Terbuka Kendari Anfas Anfas; Arifuddin Mas’ud; H. Hendrian; Julia Safitri
Jurnal Ekonomi dan Bisnis Jagaditha Vol. 13 No. 1 (2026): Jurnal Ekonomi dan Bisnis Jagaditha
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jj.13.1.2026.66-73

Abstract

This study employs a quantitative approach to examine the effect of financial behavior (X1) and fintech utilization (X2) on student study retention (Y). The population of this research consists of students at Universitas Terbuka Kendari, with a total sample of 204 respondents. Data were analyzed using linear regression, both in partial and multiple models. The findings reveal that: (1) Financial behavior has a significant impact on student retention, indicating that students who manage their finances more responsibly are more likely to complete their studies. (2) Fintech utilization also significantly affects student retention, as the ease of financial transactions facilitated by fintech supports students in meeting their academic obligations. (3) Collectively, financial behavior and fintech utilization explain 49.9% of the variance in student retention, underscoring the critical role of financial aspects in sustaining academic continuity, particularly within the context of Universitas Terbuka Kendari, a higher education institution operating through a distance learning system.
Fintech's Mediating Role in Financial Efficacy, Risk, and Investment Decisions Anfas, Anfas; Syamsuddin, Fajar Rakasiwi
Studi Akuntansi, Keuangan, dan Manajemen Vol 5 No 3 (2026): January
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v5i3.5741

Abstract

Purpose: This study examines the mediating role of financial technology (fintech) in the relationship between financial efficacy, risk perception, and investment decisions among Indonesian millennials in the capital market. Methodology: A quantitative approach was employed, utilizing an online questionnaire distributed to millennial investors in Indonesia. The collected data were analyzed using multiple linear regression analysis with SPSS to test both direct effects and mediating relationships. Findings: The results indicate that financial efficacy positively influences investment decisions, while risk perception exerts a significant negative effect. Fintech significantly mediates the relationships between both financial efficacy and investment decisions, and between risk perception and investment decisions. The complete model explains 56.8% of the variance in investment decisions. Conclusion: The study concludes that fintech platforms serve as a crucial mechanism through which financial efficacy and risk perception influence millennial investment behavior. Enhancing fintech features can effectively channel financial confidence while mitigating risk apprehensions, ultimately promoting capital market participation among younger investors. Limitations: The study's limitations include a relatively small sample size and the use of purposive sampling, which may affect the generalizability of the findings to the broader population of millennial investors. Contribution: Theoretically, this research extends Self-Efficacy Theory by validating fintech's mediating role in investment behavior. Practically, it suggests that securities companies and fintech developers should enhance user-friendly interfaces, educational features, and platform transparency to boost investor confidence and facilitate informed decision-making.
Co-Authors ., Milwan Abdul Latif Abdul Latif Abdul Latif Abdul Rahman rahim Abdul Rahman Rahim Agus Joko Purwanto Agustiani, Wulan Ananda, Siti Hadrayanti Andi Irdan Atjo Mea Ari Sujipto Arifuddin Mas’ud AS Aku, AS Buamonabot, Irfandi Bulkis Bulkis Bulkis Bulkis Dedu, La Ode Arfan Edinna, Melfin Eko Ady Prabowo Fajar Rakasiwi Syamsuddin Fajar Rakasiwi Syamsuddin Fatana, Nurul Fausiah, Andi Gultom, Rosdelita H. Hendrian Hafel, Muhlis Hamida A. Jasin Harapin Hafid H. Harli A. Karim Helmi Hi. Yusuf Hendrian Hi. Adam, Muhammad Darsan Hi. Yusuf, Helmi Ibnu Sina Hi. Yusuf Ibnu Sina Hi. Yusuf Ibnu Sina Hi. Yusuf Ida Hidayanti Ida Hidayanti Irma Iqlima Nurussa’ban Jamil, Julfi Julfi Jamil Julia Safitri Lilis Suryani Lisda Ariani Simabur Lisda Ariani Simabur Lisda Ariani Simabur Mas'ud, Arifuddin Masrikha, Rahma Nur Meirani Harsasi Milwan, Milwan Minrohayati . Mohbir Umasug Muh. Arman Yamin Pagala Muhamad Dhanutirto F. Tuwow Muhammad Amrullah Pagala Muhammad Sajidin Nabila, Faiza Rahma Nahda Nahda Nur Indah Sari Arbit Nurallikha Cinta Emdys Nurdyah Prabowo, Eko Ady Purwanto, Agus Joko Putri, Vivi Ariani Qaizar Qaizar Rifka Rahmawati Rina Astarika, Rina Risma Ridayanti Rismayani, Bella Riva'i, Dian Rahmayanti Safitri, Julia Said, Samsuardi Simabur, Lisda Ariani Sudarwo, Raden Sudarwo, Raden Sujipto*, Ari Sukmawan, Sandi Suparjo Razasli Carong Suriana AR Mahdi Suriana AR. Mahdi, Suriana AR. Syafiuddin Syafiuddin Syafiuddin Syahrinullah Syahrinullah Syamsuddin, Fajar Rakasiwi Tamrin, Saddam Husain Thamrin, Saddam Husain TRIATMOKO Umasugi, Mohbir Umikalsum Arfa Wahyuddin Wulandari, Futri Ayu Yusuf Yusuf Yusuf Yusuf Yusuf, Yusuf Zainuddin Zainuddin Zainuddin, Zainuddin Zulkarnain Umar