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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Lusi Susanti
Universitas Putera Batam
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Fintech, Sikap Keuangan, dan Lingkungan Sosial Terhadap Perilaku Keuangan Mahasiswa di Kota Batam Lusi Susanti; Dian Efriyenti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 3 (2026): 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.v8i3.11335

Abstract

This study was prompted by the massive escalation in the use of financial technology (fintech) among students, particularly in Batam City, which serves as a competitive industrial and service hub. Although this digital innovation offers transaction convenience, unrestricted access has the potential to lead to consumptive behavior if not balanced with a mature financial attitude and a supportive social environment. Based on this phenomenon, this study aims to evaluate the influence of fintech, financial attitude, and social environment on the financial management behavior of Accounting students in Batam City. The research approach used is descriptive quantitative with a survey questionnaire method. The study sample involved 267 respondents selected through purposive sampling, with the size determined using the Slovin formula to ensure data representation. All data were analyzed statistically using multiple linear regression via IBM SPSS Statistics 30. The research findings reveal that fintech, financial attitude, and social environment consistently provide a significant influence on students' financial behavior, both partially and simultaneously. In conclusion, the integration of intelligent technology utilization, sound personal financial principles, and a positive social ecosystem are the main determinants in creating disciplined, healthy, and accountable financial management in the digital economic era.
Co-Authors Dian Efriyenti