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All Journal Indonesian Journal of Law and Economics Review Indonesian Journal of Education Methods Development Indonesian Journal of Innovation Studies
Rahmawati , Imelda Dian
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Computer Science & IT Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice

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Student Financial Literacy Determinants in Accounting Education: Faktor-Faktor yang Mempengaruhi Literasi Keuangan Mahasiswa dalam Pendidikan Akuntansi Supriyaningsih , Ika; Rahmawati , Imelda Dian
Indonesian Journal of Law and Economics Review Vol. 20 No. 4 (2025): November
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v20i4.1462

Abstract

General Background Financial literacy is an essential competency for individuals in managing personal finances and making informed economic decisions. Specific Background University students, particularly accounting students, are assumed to possess higher financial knowledge due to their academic exposure, yet empirical findings remain inconsistent. Knowledge Gap Previous studies show mixed results regarding the role of demographic factors in shaping student financial literacy, indicating the need for context-specific investigation. Aims This study examines the relationship between gender, parents’ socioeconomic status, and allowance with financial literacy among accounting students at Muhammadiyah University of Sidoarjo. Results Using a quantitative explanatory approach with 62 respondents, the findings reveal that gender, parents’ socioeconomic status, and allowance are not statistically associated with students’ financial literacy, either partially or simultaneously. Novelty This study provides empirical evidence that demographic characteristics do not necessarily differentiate financial literacy levels among accounting students within a local Indonesian university context. Implications The findings suggest that financial literacy development should prioritize experiential learning, behavioral aspects, and structured financial education rather than relying solely on demographic assumptions. Keywords: Financial Literacy, Accounting Students, Socioeconomic Status, Gender, Allowance Key Findings Highlights: Demographic characteristics do not differentiate literacy levels among accounting students. Parental background variables show no statistical association with financial knowledge. Financial understanding appears independent of monthly student spending capacity.
Co-Authors a Fitri , Evi Kurni Abdul Haris Cahyono, Teguh Catur Hayuningtyas, Widya Retno Murtafi’a, Lutfi Ainun Noviyanti , Vivi Pradhana, Muhammad Farid Fathul Huda Ramadhin S, Ede Rochani, Oktavia Siti Rulitasari, Shindy Gresilya Septiani, Neli Sulistiyowati, Elik Supriyaningsih , Ika Susetyo, Qotrunnada Aisyah Mega Zahrina A, Nilamsari