Pengaruh Literasi Keuangan, Pendapatan, Kontrol Diri dan Teknologi Finansial terhadap Perilaku Pengelolaan Keuangan Mahasiswa Fakultas Ekonomi Universitas Muhammadiyah Ponorogo

Adelia Putri Rismawati (Universitas Muhammadiyah Ponorogo)
Khusnatul Zulfa Wafirotin (Universitas Muhammadiyah Ponorogo)
Ardyan Firdausi Mustoffa (Universitas Muhammadiyah Ponorogo)

Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Vol. 8 No. 9 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah

This study aims to analyze the influence of financial literacy, income, self-control, and financial technology on the financial management behavior of students at the Faculty of Economics, Universitas Muhammadiyah Ponorogo. This research employed a quantitative descriptive approach. The population consisted of 982 active students, with a sample of 100 respondents selected using purposive sampling and proportionate stratified random sampling techniques. Data were collected through a questionnaire measured using a Likert scale and analyzed using multiple linear regression with SPSS version 25. The results indicate that financial literacy and income have a significant effect on financial management behavior, whereas self-control does not have a significant effect on financial management behavior. Simultaneously, financial literacy, income, self-control, and financial technology have a significant effect on students' financial management behavior. The Adjusted R Square value of 0.440 indicates that these four variables explain 44% of the variation in financial management behavior.