Pengaruh Literasi Keuangan dan Layanan Fintech terhadap Perilaku Manajemen Keuangan Mahasiswa Pendidikan Ekonomi di Universitas PGRI Wiranegara

Auliya Ristiani ; Sugeng Pradikto
JUREKSI (Journal of Islamic Economics and Finance) 📅 2025 Vol 3, No 3 🔗 DOI: 10.59841/jureksi.v3i3.3023
Abstract
This study aims to analyze how financial literacy and the frequency of use of financial technology (fintech) services affect the financial management patterns of students in the Economics Education Study Program at Universitas PGRI Wiranegara. The digitalization era has changed the way students manage their finances, which now combine traditional financial understanding with the implementation of digital technology innovations. This research uses a quantitative method with an explanatory approach, involving respondents selected through random stratification to ensure balanced representation. Data collection uses a Likert scale questionnaire instrument, while data analysis applies a multiple linear regression model. Empirical results prove that financial literacy and fintech utilization both have a significant and positive impact on students' financial management patterns. Together, these two factors can explain most of the variation in respondents' financial behavior. These findings emphasize the importance of integrating fundamental financial knowledge with the ability to adapt to digital technology as a foundation for forming effective financial management competencies in the modern era. In terms of implementation, the results of this study suggest strengthening the economics education curriculum that includes learning digital financial literacy and the use of fintech services that are wise and ethical.
Keywords
Financial liteacy; fintech; fuinansial management behavior; students; digital era
How to Cite

Auliya Ristiani & Sugeng Pradikto (2025). Pengaruh Literasi Keuangan dan Layanan Fintech terhadap Perilaku Manajemen Keuangan Mahasiswa Pendidikan Ekonomi di Universitas PGRI Wiranegara . JUREKSI (Journal of Islamic Economics and Finance), 3(3). https://doi.org/10.59841/jureksi.v3i3.3023

Auliya Ristiani; Sugeng Pradikto, "Pengaruh Literasi Keuangan dan Layanan Fintech terhadap Perilaku Manajemen Keuangan Mahasiswa Pendidikan Ekonomi di Universitas PGRI Wiranegara ," JUREKSI (Journal of Islamic Economics and Finance), vol. 3, no. 3, 2025.

Auliya Ristiani; Sugeng Pradikto. "Pengaruh Literasi Keuangan dan Layanan Fintech terhadap Perilaku Manajemen Keuangan Mahasiswa Pendidikan Ekonomi di Universitas PGRI Wiranegara ." JUREKSI (Journal of Islamic Economics and Finance), vol. 3, no. 3, 2025.

Auliya Ristiani; Sugeng Pradikto. "Pengaruh Literasi Keuangan dan Layanan Fintech terhadap Perilaku Manajemen Keuangan Mahasiswa Pendidikan Ekonomi di Universitas PGRI Wiranegara ." JUREKSI (Journal of Islamic Economics and Finance) 3, no. 3 (2025).

Auliya Ristiani & Sugeng Pradikto (2025) 'Pengaruh Literasi Keuangan dan Layanan Fintech terhadap Perilaku Manajemen Keuangan Mahasiswa Pendidikan Ekonomi di Universitas PGRI Wiranegara ', JUREKSI (Journal of Islamic Economics and Finance), 3(3). doi: 10.59841/jureksi.v3i3.3023.

Auliya Ristiani; Sugeng Pradikto. Pengaruh Literasi Keuangan dan Layanan Fintech terhadap Perilaku Manajemen Keuangan Mahasiswa Pendidikan Ekonomi di Universitas PGRI Wiranegara . JUREKSI (Journal of Islamic Economics and Finance). 2025;3(3).

Artikel Terkait

Analisis Pengaruh Kualitas Pelayanan terhadap Kepuasan Pelanggan dengan Pendekatan Customer Satisfaction Index (CSI) pada PT Astra International Tbk – TSO Auto2000 Cabang Salemba

Melisa Melisa; Purwatiningsih Purwatiningsih

Pengaruh Penguasaan Mata Kuliah Kewirausahaan dan Dukungan Orang Tua Terhadap Minat Berwirausaha Pada Mahasiswa Pendidikan Ekonomi Semester 6 STKIP PGRI Nganjuk Tahun Akademik 2023/2024

Siti Nur Dianasyah

Inovasi Badan Usaha Milik Desa (BUMDes) Teluk Bakau Kabupaten Bintan dalam Meningkatkan Ekonomi Masyarakat Desa Tahun 2023

Amalia, Nabilla; Afrizal Afrizal; Rizky Octa Putri Charin

Analisis Efektivitas Insentif Ekonomi terhadap Upaya Pelestarian SDA dan Mitigasi Kerusakan Lingkungan

Satria Lam Syafi’i Simamora; Imsar Imsar

Analisis Pengelolaan Wakaf Saham di PT. MNC Sekuritas Surabaya Melalui Aplikasi Motion Trade

M Syarifudin; Abdur Rohman

Pengaruh Mental Health dan Work Life Balance terhadap Turnover Intention Karyawan Gen Z di Kota Medan

Iman Putra Jaya Hulu; Sumarni Kristiani Siregar; Bayu Teta
Tren Sitasi Jurnal