JURNAL MANAJEMEN MOTIVASI
Vol 21 No 2 (2025): Jurnal Manajemen Motivasi

The Influence Of Financial Technology (Fintech) On Student Financial Management (A Case Study Of Students At Politeknik Muhammadiyah Makassar)

Amelia, Ingrid (Unknown)
Jaya, Asri (Unknown)
Syahriani, A. Tenri (Unknown)

Article Info

Publish Date
07 Aug 2025

Abstract

This study investigates the impact of Financial Technology (Fintech) on student financial management at Muhammadiyah Polytechnic Makassar. A quantitative approach was used with 92 respondents who are fintech users, using surveys and SPSS for data analysis. The results show a positive and significant influence (t = 5.201, p < 0.05), indicating fintech improves planning, controlling, and optimizing student expenses. These findings highlight fintech’s role in supporting better financial habits, but also underline the need for increased financial literacy to prevent excessive spending. This research suggests the importance of responsible fintech use to help students manage finances effectively and sustainably.

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...