The Impact of Fintech Payments and Financial Literacy on Student Financial Management Behaviour

Khusnul Khotimah; Intan Puspitasari; Mahendra Galih Prasaja

doi:10.30651/blc.v22i1.23795

Penulis

Khusnul Khotimah Management, Faculty of Economics and Business, Universitas Muhammadiyah Purworejo, Indonesia
Intan Puspitasari Management, Faculty of Economics and Business, Universitas Muhammadiyah Purworejo, Indonesia
Mahendra Galih Prasaja Management, Faculty of Economics and Business, Universitas Muhammadiyah Purworejo, Indonesia

DOI:

https://doi.org/10.30651/blc.v22i1.23795

Kata Kunci:

Financial Literacy, Fintech Payment, Student Financial Management Behavior

Abstrak

This study aims to ascertain how much fintech payments and financial literacy influence the money management behaviors of Muhammadiyah University Purworejo students. Students at the Muhammadiyah University Purworejo Class of 2019–2021 served as the research population. Using non-probability sampling approaches and a quantitative methodology, 318 respondents made up the study's sample. Multiple linear regression analysis approaches are used for initial data processing in SPSS version 25 (Statistical Package for Social Science). The study's findings demonstrate that students' money management practices are significantly and favorably impacted by financial literacy to some extent. Fintech payments significantly and advantageously impact how students handle their finances. Financial literacy and fintech payments simultaneously have a significant, positive impact on students' money management practices. You can effectively manage your fintech payment usage and make wiser and more fruitful future financial decisions if you thoroughly understand money

Referensi

Annur, Cindy. 2021. Survei: OVO Rajai Pangsa Pasar E-Wallet Indonesia Pada 2020. Diakses dari Databoks.katadata.co.id pada 4 oktober 2023 pukul 20.00 WIB.

Ariadin, M., & Safitri, T. A. (2021). Perilaku Manajemen Keuangan Pada Umkm Sentra Kerajinan Kayu Di Kabupaten Dompu. Among Makarti, 14(1), 31–43. https://doi.org/10.52353/ama.v14i1.203

Bhatti, A., Akram, H., Basit, H. M., & Khan, A. U. (2020). E-commerce trends during COVID-19 Pandemic E-commerce trends during COVID-19 Pandemic. July.

Fatihudin, D., Wikanta, W., Mauliddah, N., & Iis, H. (2022). The Linkage of Salt Farmer’s Financial Literacy with Salt’s Productivity, Capital, Price and Market Access. Matrik: Jurnal Manajemen, Strategi Bisnis dan Kewirausahaan, 16(1), 141-150. https://doi.org/10.24843/MATRIK:JMBK.2022.v16.i01.p11

Ghozali,I. 2018. Aplikasi Multivariate Dengan Program IBM SPSS 25. Semarang: Badan Penerbit Universitas Diponegoro.

Ihsanny, M. L., Adawiyah, S. A., Arfitsa, F., & Munajat, R. (2023). Pengaruh Fintech Payment dan Literasi Keuangan terhadap Perilaku Manajemen Keuangan Mahasiswa. Jurnal Pendidikan Tambusai, 7(1), 466-470.

Intan, Novita (2021). Survei: Dana Darurat Masyarakat Hanya Cukup Sepekan. Diakses dari https://ekonomi.republika.co.id/berita/r1xy7x485/survei-dana-darurat-masyarakat-hanya-cukup-sepekan pada tanggal 3 Oktober 2023 pukul 19.30.

Junadi, & Sfenrianto. (2015). A Model of Factors Influencing Consumer’s Intention to Use E-payment System in Indonesia. Procedia Computer Science, 59(Iccsci), 214–220. https://doi.org/10.1016/j.procs.2015.07.557

Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https://doi.org/10.14414/jbb.v3i1.255

Lee, E. S., & Ida, I. (2022). Faktor-Faktor Yang Memengaruhi Literasi Keuangan Mahasiswa Fakultas Bisnis Universitas Kristen Maranatha. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 6(1), 117. https://doi.org/10.24912/jmieb.v6i1.17062

Mauliddah, N., Danurwindo, M. A., Ulum, B., Wibowo, O. I., & Pravitasari, G. N. (2023). Mediation of Financial Literacy in Predicting Risk Tolerance on Muhammadiyah Organization Members in East Java. Sentralisasi:, 12(2), 46-59. https://doi.org/10.33506/sl.v12i2.2400

Mukti, V. W., Rinofah, R., & Kusumawardhani, R. (2022). Pengaruh fintech payment dan literasi keuangan terhadap perilaku manajemen keuangan mahasiswa. Akuntabel, 19(1), 52–58. https://doi.org/10.30872/jakt.v19i1.10389

Nababan, D., & Sadalia, I. (2013). Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara. Jurnal Media Informasi Manajemen, 1(1), 1–16.

Otoritas Jasa Keuangan (2022). Siaran Pers : Survei Nasional Literasi Dan Inklusi Keuangan Tahun 2022. Diunduh dari https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/pages/survei-nasional-literasi-dan-inklusi-keuangan-tahun- 2022 pada tanggal 17 Mei 2023.

Permana, ikhsan. 2022. Survei OCBC NISP membuktikan 76% Kesehatan keuangan masyarakat Indonesia belum baik. Diakses dari ekbis.sindonews.com pada 3 oktober 2023 pukul 19.40.

Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Locus of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(1), 96. https://doi.org/10.24252/minds.v6i1.9274

Puspitasari, I., Wahyudi, S., & Pangestuti, I. R. D. (2020). Investor Behavior In Green Investment Information. Journal of Islamic Finance and Banking, 2(1), 47–60. https://doi.org/10.21580/al-arbah.2020.2.1.5497

Rahma, F. A., & Susanti, S. (2022). Pengaruh Literasi Keuangan, Financial Self Efficacy dan Fintech Payment terhadap Manajemen Keuangan Pribadi Mahasiswa. Edukatif : Jurnal Ilmu Pendidikan, 4(3), 3236–3247. https://doi.org/10.31004/edukatif.v4i3.2690

Remund, D. L. (2010). DigitalCommons @ University of Nebraska - Lincoln Financial Literacy Explicated : The Case for a Clearer Definition in an Increasingly Complex Economy Financial Literacy Explicated : The Case for a Clearer Definition in an Increasingly Complex Economy. 44, 276–295. https://doi.org/10.1111/j.1745-6606

Rusnawati, R., Farild, M., & MS, E. I. (2022). The Fintech E-Payment: The Impact to Financial Behavior. LAA MAISYIR : Jurnal Ekonomi Islam, 9(1), 20–32. https://doi.org/10.24252/lamaisyir.v9i1.23793

Sikapi Uangmu OJK (2019). Hasil Survei Literasi dan Inklusi Keuangan Nasional Meningkat. Diunduh di https://sikapiuangmu.ojk.go.id/frontend/cms/article/20549 pada tanggal 17 Mei 2023.

Sugiyono. 2020. Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung : Alfabeta.

Widiastuti, E., Jati, D. P., & Nawarini, A. T. (2020). Analisis Dampak Inovasi Layanan Keuangan Berbasis Teknologi Dan Literasi Keuangan Terhadap Perilaku Keuangan. Prosiding Seminar Nasional Dan Call for Papers, 10(1), 32–39. http://jurnal.lppm.unsoed.ac.id/ojs/index.php/Prosiding/article/view/1425

Xue, P., Wang, Z., Zhang, R., Wang, Y., & Liu, S. (2016). Highly efficient measurement technology based on hyper-spectropolarimetric imaging. Zhongguo Jiguang/Chinese Journal of Lasers, 43(8), 107–128. https://doi.org/10.3788/CJL201643.0811001