Financial Management Behavior: Pengaruh Financial Technology, Locus of Control, dan Financial Literacy Mahasiswa

Authors

  • Mayhendra Satria Pamungkas STIM YKPN Yogyakarta, Indonesia
  • Tri Utomo Prasetyo STIM YKPN Yogyakarta, Indonesia

DOI:

https://doi.org/10.35917/cb.v6i1.573

Keywords:

financial behavior, college students, financial technology, locus of control, financial literacy

Abstract

Financial management behavior refers to how a person organizes and manages their financial resources. This study aims to analyze the influence of financial technology, locus of control, and financial literacy on the financial management behavior of Management students in the Special Region of Yogyakarta. Students face many challenges in managing their own finances, such as allocating pocket money for daily needs, tuition fees, and spending on social and entertainment activities. This study attempts to confirm the results of previous studies by using different scopes and data analysis methods. This study involved 126 students majoring in Management in the Special Region of Yogyakarta who used financial technology applications to manage their finances. Sampling was carried out using a non-probability sampling method with a combination of purposive sampling and convenience sampling techniques using an online questionnaire. Data were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM) to test the research hypotheses. The results of the study indicate that financial technology, locus of control, and financial literacy partially have a positive and significant effect on financial management behavior, where locus of control is the most dominant variable

Downloads

Download data is not yet available.

References

Andriyani, L. I. R., & Cipta, W. (2023). Pengaruh Income Dan Financial Knowledge Serta Locus of Control Terhadap Financial Management Behavior. Jurnal Ilmiah Akuntansi Dan Humanika, 13(1), 13–22. https://doi.org/10.23887/jiah.v13i1.44651

Arraniri, I., & Lutpiyah, V. S. (2024). Assessing the mediating role of locus of control on financial literacy, financial attitude, and financial management behavior in Generation Z. Kompartemen: Jurnal Ilmiah Akuntansi, 22(2), 226–242. https://doi.org/10.12928/ jombi.v1i2.759

Atikah, A., & Kurniawan, R. R. (2020). Pengaruh Literasi Keuangan, Locus of Control, dan Financial Self Efficacy Terhadap Perilaku Manajemen Keuangan (Studi Pada PT. Panarub Industry Tangerang). JMB : Jurnal Manajemen Dan Bisnis, 10(2), 284–297. https://doi. org/10.31000/jmb.v10i2.5132

Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1016/s1057- 0810(99)80006-7

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319– 339. https://doi.org/10.2307/249008

Dew, J. P., & Xiao, J. J. (2011). The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43–59.

Digdowiseiso, K., & Sugiyanto, E. (2023). Effect of Financial Literacy and Financial Technology on Financial Management Behavior with Intentions as Intervening Variables (Student Study Faculty of Economics and Business National University). Journal of Hunan University Natural Sciences, 50(7). https://doi.org/10.55463/issn.1674-2974.50.7.4

Djibran, S. U., Ekaningtias, D., & Nahumury, J. (2024). Determinan Pengelolaan Keuangan Pribadi Mahasiswa dengan Self-Efficacy sebagai Variabel Moderasi. Jurnal Administrasi Dan Manajemen, 02(01), 1–9.

Fatimah, S. N., & Fathihani, F. (2023). Pengaruh Literasi Keuangan, Gaya Hidup, dan Locus of Control Terhadap Perilaku Keuangan Generasi Z pada Cashless Society. Jurnal Ilmu Manajemen Terapan, 4(6), 868–877. https://www.dinastirev.org/JIMT/article/view/1637

Fetesond, M., & Cakranegara, P. A. (2022). Pengaruh Literasi Keuangan, Kemampuan Akademis, Dan Pengalaman Bekerja Terhadap Perilaku Keuangan Mahasiswa. Jurnal Ekonomi Dan Bisnis, 9(1), 259–274. https://caritulisan.com/media/394513-none-a7372c04.pdf

Firlianti, J., & Asriany. (2023). The Influence Of Financial Technology (Fintech), Financial Attitudes And Financial Knowledge On The Financial Behavior Of The Millenial Generation. Management Studies and Entrepreneurship Journal, 4(2), 1882–1891. http:// journal.yrpipku.com/index.php/msej

Hair, J. F., Howard, M. C., & Nitzl, C. (2020). Assessing measurement model quality in PLS-SEM using confirmatory composite analysis. Journal of Business Research, 109, 101– 110. https://doi.org/10.1016/j.jbusres.2019.11.069

Haqiqi, A. F. Z., & Pertiwi, T. K. (2022). Pengaruh Financial Technology, Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan Generasi Z di Era Pandemi Covid-19 pada Mahasiswa UPN “Veteran†Jawa Timur. SEIKO : Journal of Management & Business,5(2), 355–366. https://www.journal.stieamkop.ac.id/index.php/seiko/article/ view/2301

Ida, I., & Dwinta, C. Y. (2010). Pengaruh Locus of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131– 144. https://doi.org/10.35446/akuntansikompetif.v2i1.278

Kamilah, F., Khairani, Z., & Soviyanti, E. (2024). Pengaruh Fintech Payment dan Literasi Keuangan Terhadap Perilaku Manajemen Keuangan Mahasiswa Akuntansi Universitas Lancang Kuning. Jurnal Daya Saing, 10(2), 334–339.

Khaidir, M. N. (2024). Implementasi Literasi Manajemen Keuangan Mahasiswa Ekonomi Terhadap Kehidupan Sehari Hari. Digibe: Digital Business and Entrepreneurship Journal, 2(1), 1–16. https://www.journal.feb.uniku.ac.id/digibe/article/view/14%0Ahttps://www. journal.feb.uniku.ac.id/digibe/article/download/14/10

Kim, Y., Park, Y.-J., Choi, J., & Yeon, J. (2015). An Empirical Study on the Adoption of “Fintech†Service: Focused on Mobile Payment Services. Advanced Science and Technology Letters, 114, 136–140. https://doi.org/10.14257/astl.2015.114.26

Kurnia, G., & Halim, M. (2023). Pengaruh Fintech (Paylater), Literasi Keuangan dan Perilaku Konsumtif Terhadap Perilaku Keuangan Mahasiswa. SEIKO : Journal of Management & Business, 6(1), 704–711. https://doi.org/10.37531/sejaman.v6i1.3996

Murty, W. O. S., Sarita, B., Saleh, S., Nurwati, Hamid, W., & Masri, M. (2024). Pengaruh Financial Literacy, Fintech Payment, dan Locus of Control Terhadap Financial Management Behavior pada Mahasiswa Pasca Sarjana. Jurnal Manajemen Dan Kewirausahaan, 16(2), 124–136. http://jmk.uho.ac.id/index.php/journal/index

Nuringtyas, M. R., & Kartini. (2023). The Influence of Financial Literacy and Financial Technology on Student Financial Behavior In Yogyakarta. International Journal of Social Service and Research, 03(04), 919–925. https://doi.org/10.1007/978-3-031-53555-0_2

Prasetyo, T. U., Resmi, S., & Ermawati. (2022). Peningkatan Literasi Keuangan Siswa SMKN 2 Depok Sleman melalui Pelatihan Keuangan Pribadi. SENAPSI : Seminar Nasional Pengabdian Masyarakat Prodi Bahasa Dan Sastra Indonesia, 1(1), 9–19.

Putri, A. N., & Friyatmi, F. (2023). Pengaruh Financial Technology Terhadap Financial Management Behavior Tenaga Kerja Milenial Kota Padang. Jurnal Kompetitif, 12(1), 83–91. https://doi.org/10.52333/kompetitif.v12i1.118

Putri, W. D., Fontanella, A., & Handayani, D. (2023). Pengaruh Penggunaan Financial Technology, Gaya Hidup dan Pendapatan Orang Tua Terhadap Perilaku Keuangan Mahasiswa. Akuntansi Dan Manajemen, 18(1), 51–72. https://akuntansi.pnp.ac.id/jam

Rotter, J. B. (1966). Generalized Expectancies for Internal Versus External Control of Reinforcement. Psychological Monographs: General and Applied, 80(1), 1–28. https:// doi.org/10.1037/h0092976

Sari, A. L. A., & Widoatmodjo, S. (2023). Pengaruh Literasi Keuangan, Gaya Hidup, Dan Locus of Control Terhadap Perilaku Keuangan Mahasiswa Di Jakarta. Jurnal Manajerial Dan Kewirausahaan, 05(02), 549–558.

Sari, W. P., & Nikmah. (2023). Pengaruh Literasi Keuangan, Financial Technology, Pendidikan Keuangan Di Keluarga Dan Pengendalian Diri Terhadap Perilaku Keuangan Mahasiswa. Jimea, 7(3), 1592–1608. https://doi.org/10.4018/978-1-59140-061-5.ch001

Selfia, L., Rokhmawati, A., & Rahmayanti, E. (2024). The Effect of Income, Locus of Control on Financial Management Behavior of K-Popers Community Members in Pekanbaru City with Hedonism Lifestyle as a Moderating Variable. IJEBA (INTERNATIONAL JOURNAL OF ECONOMIC, BUSINESS AND APPLICATIONS), 142–159.

Siskawati, E. N., & Ningtyas, M. N. (2022). Financial Literature, Financial Technology and Student Financial Behavior. DIALEKTIKA: Jurnal Ekonomi Dan Ilmu Sosial, 7(2), 102–113. https://doi.org/10.36636/dialektika.v7i2.1334

Susanti, R., & Wangdra, R. (2024). Pengaruh Literasi Keuangan Sikap Keuangan dan Locus of Control Terhadap Perilaku Manajemen Keuangan Mahasiswa Jurusan Akuntansi. ECo- Buss, 6(3), 1152–1164.

Wulantari, L. R., & Anwar, M. (2024). Pengaruh Financial Literacy dan Financial Planning Terhadap Perilaku Pengelolaan Keuangan pada Generasi Z di Surabaya dengan Financial Self Efficacy sebagai Variabel Mediasi. COSTING: Journal of Economic, Business and Accounting Volume, 7(5), 3752–3760. https://doi.org/10.5860/choice.50-4199

Zarkasyi, M. I., & Purwanto, E. (2022). Pengaruh Literasi Keuangan, Financial Technology, dan Gaya Hidup terhadap Perilaku Keuangan Guru TK: Studi Kasus pada IGTKI Kecamatan Sukolilo Kota Surabaya. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(2), 290–307. https://doi.org/10.47467/alkharaj.v4i2.640

Downloads

Published

2025-04-23

How to Cite

Pamungkas, M. S., & Prasetyo, T. U. (2025). Financial Management Behavior: Pengaruh Financial Technology, Locus of Control, dan Financial Literacy Mahasiswa. Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa, 6(1), 76–88. https://doi.org/10.35917/cb.v6i1.573

Issue

Vol. 6 No. 1 (2025): April

Section

Articles

Citation Check

Similar Articles

<< < 1 2 3 

You may also start an advanced similarity search for this article.