Optimal: Jurnal Ekonomi dan Manajemen
Vol. 6 No. 3 (2026): September: OPTIMAL: Jurnal Ekonomi dan Manajemen

Pengaruh Gaya Hidup dan Literasi Keuangan terhadap Pengelolaan Keuangan Mahasiswa Program Studi Manajemen Angkatan 2021 di Universitas Teknologi Digital

Kemala Dewi Kencana (Universitas Teknologi Digital)
Vina Anggilia Puspita (Universitas Teknologi Digital)



Article Info

Publish Date
07 Aug 2026

Abstract

This study aims to analyze the influence of lifestyle and financial literacy on the financial management of Management Study Program students, Class of 2021, at the Digital Technology University. The study used a quantitative approach with a questionnaire as the data collection instrument and involved 120 respondents. Data analysis included descriptive analysis and multiple linear regression analysis, accompanied by tests of validity, reliability, partial tests (t-test), simultaneous tests (F-test), and coefficient of determination. The results showed that lif, style had an average value of 3.841, financial literacy was in the high category for 84.2% of respondents, and financial management had an average value of 4.089. Partially, lifestyle had a significant effect on financial management with a calculated t-value of 2.549 and a significance of 0.012, while financial literacy had a significant effect with a calculated t-value of 3.323 and a significance of 0.001. Simultaneously, both variables had a significant effect with a calculated F-value of 8.009 and a significance of 0.001. The Adjusted R Square value of 0.105 indicates that the two variables explain 10.5% of the variation in financial management.

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Journal Info

Abbrev

optimal

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Subject

Description

OPTIMAL: Jurnal Ekonomi dan Manajemen berfokus pada penerbitan artikel berkualitas tinggi yang didedikasikan untuk semua aspek penelitian, masalah, dan perkembangan terbaru di bidang Ilmu Manajemen. Topik dalam Jurnal ini berkaitan dengan aspek apapun dari manajemen, namun tidak terbatas pada topik ...