Published: 2025-06-01

Pengaruh Spending Self-Control dan Fintech Payment Terhadap Manajemen Keuangan Pribadi (Studi Kasus: Mahasiswa Universitas Teknologi Digital)

DOI: 10.35870/jemsi.v11i3.4070

Siti Sa’adah Khoeriyah, Rola Manjaleni
  • Siti Sa’adah Khoeriyah: Universitas Teknologi Digital ROR
  • Rola Manjaleni: Universitas Teknologi Digital ROR
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Abstract

This study evaluates the impact of Spending Self Control and Fintech Payment on personal financial management of students at Universitas Teknologi Digital. Spending Self Control refers to an individual's ability to limit spending to avoid unplanned consumer behavior, while Fintech Payment is a means of digital financial transactions carried out via the internet. The approach applied is quantitative, with information collection techniques carried out through questionnaires. The research findings indicate that both variables contribute significantly to personal financial management, both separately and together. However, there are other elements outside the scope of this study that also play a role in influencing students' financial behavior. Therefore, further research is recommended to include a wider number of participants and consider additional variables to obtain a more in-depth picture. Students are advised to use Fintech Payment carefully, control spending in a disciplined manner, and strengthen Spending Self Control by reducing the tendency to shop impulsively and making a budget plan that is in accordance with actual needs.

Keywords

Spending Self Control; Fintech Payment; Personal Financial Management

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How to Cite

Khoeriyah, S. S., & Manjaleni, R. (2025). Pengaruh Spending Self-Control dan Fintech Payment Terhadap Manajemen Keuangan Pribadi (Studi Kasus: Mahasiswa Universitas Teknologi Digital). JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 11(3), 1238-1246. https://doi.org/10.35870/jemsi.v11i3.4070
Article Information

This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.

  • Issue: Vol. 11 No. 3 (2025)

  • Section: Articles

  • Published: 2025-06-01

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Author Biographies
Siti Sa’adah Khoeriyah, Universitas Teknologi Digital
Google Scholar ResearchGate ORCID

Program Studi Manajemen, Universitas Teknologi Digital, Jl. Cibogo No. Indah 3, Mekarjaya, Kec. Rancasari, Kota Bandung, Jawa Barat 40000.

Rola Manjaleni, Universitas Teknologi Digital
Google Scholar ResearchGate ORCID

Program Studi Manajemen, Universitas Teknologi Digital, Jl. Cibogo No. Indah 3, Mekarjaya, Kec. Rancasari, Kota Bandung, Jawa Barat 40000.

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