IIJSE
Vol 9 No 1 (2026): Sharia Economics

The Effect of Digital Financial Literacy, Digital Lifestyle, and Perceived Ease of Use on the Financial Management of E-Wallet Users among Students in Pontianak

Nia Aprianti (Universitas Muhammadiyah Pontianak, Pontianak, Indonesia)
Dedi Hariyanto (Universitas Muhammadiyah Pontianak, Pontianak, Indonesia)
Heni Safitri (Universitas Muhammadiyah Pontianak, Pontianak, Indonesia)



Article Info

Publish Date
11 Apr 2026

Abstract

This study aims to identify the effect of digital financial literacy, digital lifestyle, and perceived ease of use on the financial management of student e-wallet users in Pontianak City. This study uses an associative method. The population in this study consists of all active students domiciled in Pontianak City, with a sample of 150 respondents determined using purposive sampling techniques. Instrument testing techniques in this study include validity and reliability tests. Furthermore, the classical assumption tests used consist of normality, linearity, and multicollinearity tests. Hypothesis testing was carried out using multiple linear regression analysis, correlation coefficient, coefficient of determination, simultaneous test (F test), and partial test (t test). Based on the simultaneous test results, the calculated F value is 47.857 > the F table value of 2.67 with a significance level of 0.000 < 0.05, which means that digital financial literacy, digital lifestyle, and perceived ease of use simultaneously have a positive and significant effect on the financial management of student e-wallet users in Pontianak City. The partial test results show that digital financial literacy, digital lifestyle, and perceived ease of use individually have a positive and significant effect on financial management.

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Journal Info

Abbrev

iijse

Publisher

Subject

Economics, Econometrics & Finance

Description

The Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) is Sharia Economics Journal published by Sharia Economics Department Institut Pesantren KH. Abdul Chalim, Mojokerto. The Journal focuses on the issues of Sharia Economics, the History of Islamic Economic Thought, Islamic Law, Local ...