Pengaruh Financial Technology dan Lingkungan Sosial Terhadap Perilaku Pengelolaan Keuangan Mahasiswa dengan Locus of control Sebagai Moderasi (Studi Kasus Pada Mahasiswa Universitas Slamet Riyadi Surakarta)

Dyah Ayu Ratri Pramesti(1*) , Bambang Widarno(2)


(1) Fakultas Ekonomi dan Bisnis, Universitas Slamet Riyadi Surakarta
(2) Fakultas Ekonomi dan Bisnis, Universitas Slamet Riyadi Surakarta
(*) Corresponding Author

Abstract


This research seeks to analyze the impact of financial technology and the social environment on students' financial management behavior, with locus of control serving as a moderating variable. The study employs a quantitative approach, utilizing primary data as its source. The population targeted consists of students from Slamet Riyadi University Surakarta, with a total sample of 378 respondents selected through purposive sampling. Data analysis was conducted using multiple linear regression and moderated regression analysis (MRA). The findings reveal that both financial technology and the social environment have a significant positive influence on students' financial management behavior. However, locus of control does not significantly moderate this relationship. This suggests that while locus of control may theoretically affect personal financial management, its moderating effect on the influence of financial technology and the social environment is limited. Therefore, it is essential to enhance individual awareness and responsibility in managing financial behavior, as well as to promote education on the effective use of financial technology and the role of the social environment in fostering independent and responsible financial decision-making.

Keywords


Financial Technology; Social Environment; Locus of Control; Financial Management Behavior

References


Abdurrahman, S. W., & Oktapiani, S. (2020). dampak literasi keuangan serta lingkungan sosial terhadap perilaku keuangan mahasiswa Universitas Teknologi Sumbawa. Jurnal Ekonomi serta Bisnis Indonesia, 5(2), 50-55.

Agustina, F., Anita, E., & Muthmainnah, M. (2024). dampak Literasi Keuangan serta Lingkungan Sosial Terhadap Perilaku Keuangan Mahasiswa FEBI UIN STS Jambi. Maslahah: Jurnal Manajemen serta Ekonomi Syariah, 2(1), 69-81.

Aisyah, N., Maharani, B., Afif, N., & Dewi, V. S. (2024). dampak Literasi Keuangan, Gaya Hidup, Lingkungan Sosial, Locus of control, serta Financial technology terhadap Perilaku Keuangan. In UMMagelang Conference Series (pp. 234-247).

Ajzen, I. (1991). The Theory of Planned Behavior. Organization Behavior andHuman Decision Processes, 50(2), 179211. https://doi.org/https://doi.org/10.1016/0749-5978(91)90020-

Alawi, N. M., Asih, V. S., & Sobana, D. H. (2020). dampak Literasi Keuangan serta Inklusi Mahasiswa UIN Sunan Gunung Djati Bandung Terhadap Penggunaan Sistem Financial technology. Jurnal Maps (Manajemen Perbankan Syariah), 4(1), 36-44.

Erlangga, M. Y. (2020). dampak Fintech Payment terhadap Perilaku Manajemen Keuangan Mahasiswa (Studi Kasus di Wilayah Bandung Raya.

Eugenianda, A. N., & Safitri, M. (2024). dampak Literasi Keuangan, Locus of control serta Financial technology Terhadap Perilaku Pengelolaan Keuangan Individu. Jurnal Ekonomi serta Bisnis, 3(1), 24-36.

Fontanella, H. (2023). dampak Penggunaan Financial technology, Gaya Hidup serta Pendapatan Orang Tua Terhadap Perilaku Keuangan Mahasiswa. Akuntansi serta Manajemen, 18(1), 5172

Hariyani, R. (2024). dampak Financial technology, Locus of control, serta Literasi Keuangan Terhadap Perilaku Keuangan Mahasiswa. Jurnal Perspektif, 22(1), 16-21

INDEF. (2024). Studi Dampak Fintech P2P Lending terhadap Perekonomian Nasional. Retrieved January 5, 2024, from https://indef.or.id/source/research/StudiDampak Fintech P2P Lending terhadapPerekonomian Nasional.pdf%0A%0A,

Lesminda, E. & R. (2021). dampak Uang Saku, Teman Sebaya, Lingkungan sekitar Terhadap Pengendalian Diri Mahasiswa Pada Pengelolaan Keuangan Di Era Covid-19

Natan, E., & Mahastanti, L. (2022). Analisis dampak Financial Literacy serta Locus of control sebagai variabel moderating terhadap Management Behaviour. Owner: Riset serta Jurnal Akuntansi, 6(3), 2354-2363

OJK. (2021). Infografis Hasil Survei Nasional Literasi serta Inklusi Keuangan Tahun 2021. https://ojk.go.id/id/berita- dan-kegiatan/info- terkini/Pages/Infografis-Survei-Nasional-Literasi- dan-Inklusi-Keuangan-Tahun-2022.aspx (diakses pada tanggal 17 Oktober 2024)

Pambudi, R. D. (2019). Perkembangan fintech di kalangan mahasiswa UIN Walisongo. Harmony: Jurnal Pembelajaran IPS serta PKN, 4(2), 74-81

Rabbani, A. A., Tubastuvi, N., Rahmawati, I. Y., & Widyaningtyas, D. (2024). dampak literasi keuangan, status sosial ekonomi, lingkungan sosial, locus of control serta gaya hidup terhadap pengelolaan keuangan mahasiswa. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 8(1), 456-475

Rambe, J., Irianis, Y., & Eriyanto, D. (2023). Dampak Literasi Keuangan serta Financial technology Terhadap Pengelolaan Keuangan Umkm Cimanggis Depok. Jurnal Edukasi serta Multimedia, 1(3), 1-6

Reviandani, W. (2022). dampak Locus of control, Financial Knowledge serta Parental Income terhadap Perilaku Pengelolaan Keuangan (Studi pada Mahasiswa Baru Program Studi Manajemen Tahun 2021 Universitas Muhammadiyah Gresik). JMK (Jurnal Manajemen serta Kewirausahaan), 7(2), 6877. https://doi.org/10.32503/jmk.v7i2.2481

Rokhmah, R. N. (2021). dampak Literasi Keuangan serta Lingkungan Sosial Terhadap Perilaku Keuangan Mahasiswa Fakultas Ekonomi serta Bisnis Unismuh Makassar.

Sada, Y. M. V. K. (2022). dampak Literasi Keuangan, Gaya Hidup serta Lingkungan Sosial Terhadap Perilaku Keuangan Mahasiswa: Jurnal Literasi Akuntansi, 2(2), 86-99

Wardhani, P. F. K. (2024). dampak Perceived Ease Of Use E-Wallet serta Social Environment Terhadap Perilaku Keuangan Mahasiswa Se-Kabupaten Gresik Dengan Locus of control Sebagai Variabel Moderasi (Doctoral Dissertation, Universitas Internasional Semen Indonesia)




DOI: https://doi.org/10.36587/probank.v10i1.1895

Article Metrics

Abstract views: 17 | PDF (Bahasa Indonesia) views: 2

Refbacks

  • There are currently no refbacks.


Bookmark and Share


 
©  ProBank: Jurnal Ekonomi dan Perbankan
View Probank Stats