Pengaruh Literasi Keuangan Digital dan Teknologi Finansial terhadap Perilaku Pengelolaan Keuangan Pribadi pada Mahasiswa Program Studi Pendidikan Akuntansi

Authors

  • Sri Ningsih Universitas Negeri Semarang
  • Ita Nuryana Universitas Negeri Semarang

DOI:

https://doi.org/10.29408/jpek.v10i2.35851

Keywords:

Accounting Education Students, Digital Financial Literacy, Financial Technology, Personal Financial Management Behavior, University Students

Abstract

The rapid expansion of digital financial services has increased students’ access to financial transactions, yet previous studies have reported inconsistent findings regarding the roles of digital financial literacy and financial technology in shaping personal financial management behavior. This study investigates the effects of digital financial literacy and financial technology on the personal financial management behavior of Accounting Education students at Universitas Negeri Semarang. Using a quantitative approach, data were collected from 145 students of the 2022 cohort through questionnaires and analyzed using multiple linear regression. The findings reveal that both digital financial literacy and financial technology positively and significantly influence personal financial management behavior, with digital financial literacy exerting the stronger effect. Together, these variables explain 28% of the variance in financial management behavior, while the remaining 72% is attributed to factors beyond the research model. The results highlight the importance of strengthening digital financial literacy and promoting responsible financial technology use to enhance students’ financial management behavior.

References

AJZEN, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211.

Ananda, Y., Sulistyandari, & Misra. (2025). PENGARUH LITERASI KEUANGAN , FINANCIAL TECHNOLOGY DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN MAHASISWA PROGRAM STUDI MANAJEMEN UNIVERSITAS. Jurnal Ilmiah Mahasiswa Merdeka EMBA, 4(1), 235–248.

Asih, D. N. L., Andrianingsih, V., & Faisol, M. (2025). The impact of financial literacy, financial technology, social environment, and lifestyle on financial management. Jurnal Akademi Akuntansi, 8(2), 314–324. https://doi.org/10.22219/jaa.v8i2.37454

Bado, B., Hasan, M., TahirC, T., & Hasbiah, S. (2023). HOW DO FINANCIAL LITERACY, FINANCIAL MANAGEMENT LEARNING, FINANCIAL ATTITUDES AND FINANCIAL EDUCATION IN FAMILIES AFFECT PERSONAL FINANCIAL MANAGEMENT IN GENERATION Z? International Journal of Professional Business Review, 8(5), 1–29.

Barella, Y., Fergina, A., Mustami, M. K., Rahman, U., & Alajaili, H. M. A. (2024). Quantitative Methods in Scientific Research. JURNAL PENDIDIKAN SOSIOLOGI DAN HUMANIORA, 15(1), 281–287. https://doi.org/10.26418/j-psh.v15i1.71528

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

Diskhamarzaweny, Irwan, M., & Dewi, D. K. (2022). PENGARUH LITERASI KEUANGAN, SIKAP KEUANGAN, DAN GAYA HIDUP TERHADAP PERILAKU MANAJEMEN KEUANGAN MAHASISWA PROGRAM STUDI AKUNTANSI UNIVERSITAS ISLAM KUANTAN SINGINGI. Jurnal Ekonomi Al-Khitmah, 4(1), 35–49.

Florensa, M., Rengga, A., & Sanga, K. P. (2024). Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan Mahasiswa ( Studi Empiris pada Mahasiswa / i Program Studi Akuntansi Fakultas Ekonomi dan Bisnis Universitas Nusa Nipa ). Jurnal Mutiara Ilmu Akuntansi, 2(4), 210–234.

Irdiana, S., Lukiana, N., & Kasim, K. T. (2024). Implications of Financial Literacy, Lifestyle, and Social Factors on Student Financial Behavior. Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan Dan Pajak, 8(2), 111–117.

Kuswanto, Aryanti, S., & Arief, H. (2024). PENGARUH FINANCIAL TECHNOLOGY DAN MANAJEMEN KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA. Jurnal Pendidikan Ekonomi (JUPE), 12(2), 268–276.

Lusardi, A., & Mitchell, O. S. (2013). THE ECONOMIC IMPORTANCE OF FINANCIAL LITERACY: THEORY AND EVIDENCE. Journal of Economic Literature.

Novyarni, N., Atikah, D. A., Harni, R., & Krisnando. (2024). Pengaruh Financial Self Efficacy dan Financial Knowledge Terhadap Pengelolaan Keuangan Pribadi Mahasiswa S-1 Akuntansi. Jurnal Ekonomi Dan Manajemen Teknologi (EMT) KITA, 8(2), 570–578.

Pramesti, A. F. H., & Akbar, F. S. (2025). Influence Of Financial Literacy and Financial Technology On Financial. Bima Journal – Bussiness Management and Accounting, 6(2), 1099–1104.

Pratita, D. O., & Martono, S. (2024). Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Pengelolaan Keuangan Pribadi Mahasiswa FEB Universitas Kristen Satya Wacana The Effect of Financial Literacy and Financial Attitudes on Personal Financial Management in Satya Wacana Christian Universi. Jurnal Samudra Ekonomi Dan Bisnis, 15(225), 234–244. https://doi.org/10.33059/jseb.v15i2.9225.Article

Rahayu, D., & Pristiana, U. (2025). Pengaruh Literasi Keuangan , Gaya Hidup , dan Penggunaan Financial Technology terhadap Pengelolaan Keuangan pada Mahasiswa Program Studi S1 Manajemen Universitas 17 Agustus 1945 Surabaya. Jurnal Penelitian Ekonomi Manajemen Dan Bisnis, 4(1), 181–198.

Sari, N. R., & Listiadi, A. (2021). Pengaruh Literasi Keuangan , Pendidikan Keuangan di Keluarga , Uang Saku terhadap Perilaku Pengelolaan Keuangan dengan Financial Self-Efficacy sebagai Variabel Intervening. Jurnal Pendidikan Akuntansi (JPAK), 9(1), 58–70.

Sugiyono. (2013). METODE PENELITIAN KUANTITATIF, KUALITATIF, DAN R&D.

Downloads

Published

2026-08-28

Issue

Vol. 10 No. 2 (2026): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)

Section

Articles

License

Copyright (c) 2026 Sri Ningsih, Ita Nuryana

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

semua jurnal ini menjadi tanggung jawab penuh penulis, JPEK memberikan akses terbuka kepada siapapun agar informasi dan temuan pada artikel bermanfaat bagi semua orang, JPEK dapat diakses dan diunduh oleh siapapun tanpa dipungut biaya sesuai dengan lisensi creative common yang digunakan.