The Influence of Financial Literacy and Financial Technology on Student Financial Behavior in Yogyakarta

Authors

  • Mela Rizka Nuringtyas Management Study Program, Faculty of Business and Economics, Universitas Islam Indonesia
  • Kartini Kartini Management Study Program, Faculty of Business and Economics, Universitas Islam Indonesia

DOI:

https://doi.org/10.46799/ijssr.v3i4.326

Keywords:

Financial literacy, financial technology, and financial behavior

Abstract

This study aims to test the influence of financial literacy and financial technology on financial behavior in students in Yogyakarta. This study uses a purposive sampling method that can help researchers in determining research samples. This study used a sample of 300 respondents. The methods carried out in this study are descriptive analysis methods and multiple linear analysis. The data used in this study are primary data obtained from the distribution of questionnaires. This research data was processed using SPSS software. The results of this study show that: (1) financial literacy has a positive effect on student financial behavior in Yogyakarta and (2) financial technology has a positive effect on student financial behavior in Yogyakarta.

References

Adiputra, I. G. (2021). The influence of financial literacy, financial attitude and locus of control on financial satisfaction: Evidence from the community in Jakarta. KnE Social Sciences, 636–654.

Al Kholilah, N., & Iramani, R. (2013). Studi financial management behavior pada masyarakat surabaya. Journal of Business & Banking, 3(1), 69–80.

Arianti, B. F. (2018). The influence of financial literacy, financial behavior and income on investment decision. Economics and Accounting Journal, 1(1), 1–10.

Barberis, N., & Thaler, R. (2003). A survey of behavioral finance. Handbook of the Economics of Finance, 1, 1053–1128.

Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128.

Cheng, T. C. E., Lam, D. Y. C., & Yeung, A. C. L. (2006). Adoption of internet banking: an empirical study in Hong Kong. Decision Support Systems, 42(3), 1558–1572.

CHONG, K. F., SABRI, M. F., MAGLI, A. S., ABD RAHIM, H., MOKHTAR, N., & OTHMAN, M. A. (2021). The effects of financial literacy, self-efficacy and self-coping on financial behavior of emerging adults. The Journal of Asian Finance, Economics and Business, 8(3), 905–915.

Danes, S. M., & Haberman, H. (2007). Teen financial knowledge, self-efficacy, and behavior: A gendered view. Journal of Financial Counseling and Planning, 18(2).

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 319–340.

de Bassa Scheresberg, C. (2013). Financial literacy and financial behavior among young adults: Evidence and implications. Numeracy, 6(2), 5.

Farida, M. N., Soesatyo, Y., & Aji, T. S. (2021). Influence of financial literacy and use of financial technology on financial satisfaction through financial behavior. International Journal of Education and Literacy Studies, 9(1), 86–95.

Featherman, M. S., & Pavlou, P. A. (2003). Predicting e-services adoption: a perceived risk facets perspective. International Journal of Human-Computer Studies, 59(4), 451–474.

Ghozali, I. (2012). Application of Multivariate Analysis with IBM SPSS Program. Semarang: Diponegoro University. Semarang Univ. Diponegoro.

Herawati, N. T. (2015). Contribution of Learning in Higher Education and Financial Literacy to Student Financial Behavior. Journal of Education and Teaching, 48(1–3), 60–70.

Irawan, N. N., & Matoati, R. (2021). The Influence of Financial Literacy and Behavior In Using Fintech Payments on The Financial Management of Jabodetabek Students. Management, 6(02).

Kadoya, Y., & Khan, M. S. R. (2020). What determines financial literacy in Japan? Journal of Pension Economics & Finance, 19(3), 353–371.

Mukti, V. W., Rinofah, R., & Kusmawardhani, R. (2022). Pengaruh Fintech Payment dan Literasi Keuangan Terhadap Perilaku Manajemen Keuangan Mahasiswa. AKUNTABEL: Jurnal Akuntansi Dan Keuangan, 19(1), 52–58. https://doi.org/10.29264/JAKT.V19I1.10389

Pertiwi, T. K., & Purwanto, E. (2021). Analysis Of Adopting Millennial Generation Financial Technology (Fintech) Services. International Journal of Business Management and Economic Review.

Septiansari, D., & Handayani, T. (2021). Pengaruh belanja online terhadap perilaku konsumtif pada mahasiswa di masa pandemi covid-19. Jurnal Ekonomi Dan Manajemen Teknologi, Wonosobo: UNMUH Prof. Dr. Hamka (UHAMKA), 5.

Subagyo, A., Syari’udin, A., & Yunani, A. (2022). Determinant residential real estate of millennial generation in adapting housing microfinance case Indonesia chapter. International Journal of Housing Markets and Analysis, ahead-of-print.

Sumani, S., Awwaliyah, I. N., Suryaningsih, I. B., & Nurdin, D. (2022). Financial Behavior on Financial Satisfaction and Performance of The Indonesian Batik Industry. Jurnal Aplikasi Manajemen, 20(4), 820–832.

Downloads

Published

2023-04-17