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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah IJEMA
Pebi Pebrianti
Universitas Buana Perjuangan Karawang
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Literasi Keuangan, Gaya Hidup dan Financial Technology Terhadap Perilaku Keuangan pada Mahasiswa Universitas Buana Perjuangan Karawang Pebi Pebrianti; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7747

Abstract

The purpose of this study was to analyze the influence of financial literacy, lifestyle, and financial technology on financial behavior in students of Universitas Buana Perjuangan Karawang. The method used is quantitative research with a descriptive verification approach, involving 100 students of Universitas Buaan Perjuangan Karawang as a sample taken through purposive sampling techniques. Data were collected through online questionnaires and multiple linear regression analysis. The results of the study indicate that financial literacy and financial technology have a positive and significant effect on financial behavior, while lifestyle has no effect on financial behavior. The results of financial literacy, lifestyle, and financial technology simultaneously have an effect on financial behavior with a determination coefficient showing 40.6% of the variation in financial behavior is influenced by the three independent variables. This study concludes that improving good financial behavior is from the level of understanding of financial literacy and the proper use of financial technology. This study implies that students can be wiser in managing finances, planning expenses, and avoiding excessive lifestyles, as well as expanding knowledge about investment to achieve higher financial literacy and good financial behavior.
Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Pengelolaan Keuangan Pribadi Pada Mahasiswa FEB Universitas Buana Perjuangan Karawang Pebi Pebrianti; Enjang Suherman
Indonesian Journal of Economics Management and Accounting Vol. 1 No. 7 (2024): IJEMA - Juli 2024
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Gaya hidup generasi muda berubah akibat perkembangan zaman, khususnya kemajuan teknologi. Meskipun demikian, sangat penting bagi generasi muda khususnya pelajar memiliki pemahaman yang cukup tentang pengelolaan uang yang bertanggung jawab. Penelitian ini bertujuan untuk mengetahui dampak pilihan gaya hidup dan literasi keuangan terhadap pengelolaan uang pribadi mahasiswa Universitas Buana Perjuangan, Fakultas Ekonomi dan Bisnis Karawang. Pengambilan sampel acak sederhana digunakan dalam metode kuantitatif untuk pengumpulan data. Validitas, reliabilitas, normalitas, regresi linier berganda, uji t parsial, uji F simultan, dan uji koefisien determinasi (R) kemudian dilakukan dengan menggunakan software SPSS. Temuan penelitian ini menunjukkan bahwa pilihan gaya hidup dan literasi keuangan secara signifikan dan menguntungkan mempengaruhi kemampuan mahsiswa untuk mengelola keuangan mereka sendiri. Gaya hidup yang disiplin dan pengetahuan keuangan yang tinggi merupakan faktor kunci dalam meningkatkan kapasitas siswa dalam mengelola keuangan pribadinya
Co-Authors Enjang Suherman Rengga Madya Pranata Ujang Suherman