Pengaruh Literasi Keuangan Terhadap Kemampuan Pengelolaan Keuangan Mahasiswa Digitech University
DOI:
https://doi.org/10.35870/jemsi.v11i3.4089Keywords:
Financial Literacy, Financial Management, Students, Budget Planning, InvestmentAbstract
Students need financial literacy to manage their finances effectively. Education expenditures, everyday requirements, and future planning are common financial issues for students. However, insufficient financial literacy might hinder financial management. money literacy and Digitech University students' money management abilities are examined in this research. This research technique is quantitative with a descriptive approach. Data were obtained through a survey of students of the Management and Accounting Study Program, class of 2021. The research found a favorable association between financial knowledge and student financial management. Most students grasp finance fundamentals, but they lack everyday financial abilities. Higher financial literacy respondents save more, budget better, and handle funds wisely. This research emphasizes the necessity of financial education for students to better their finances. Therefore, colleges should be able to conduct more organized and relevant financial literacy programs.
Downloads
References
Albertus, S. S., Leksono, A. W., & Vhalery, R. (2020). Pengaruh Literasi Keuangan Dan Lingkungan Kampus Terhadap Manajemen Keuangan Pribadi Mahasiswa. Research and Development Journal of Education, 1(1), 33-39.
Aminatus Zahriyah, S. E., Suprianik, S. E., Agung Parmono, S. E., & Mustofa, S. E. (2021). Teknik dan Aplikasi dengan SPSS.
Artha, F. A., & Wibowo, K. A. (2023). Pengaruh literasi keuangan, perencanaan keuangan, dan sikap keuangan terhadap pengelolaan keuangan pribadi. Value Added: Majalah Ekonomi Dan Bisnis, 19(1), 1-9.
Atikah, A., & Kurniawan, R. R. (2021). Pengaruh Literasi Keuangan, Locus of Control, dan Financial Self Efficacy Terhadap Perilaku Manajemen Keuangan. JMB: Jurnal Manajemen Dan Bisnis, 10(2). http://dx.doi.org/10.31000/jmb.v10i2.5132.
Choerudin, A., Widyaswati, R., Warpindyastuti, L. D., Khasanah, J. S. N., Harto, B., Oktaviani, N. F., ... & Paramita, V. S. (2023). Literasi Keuangan. Global Eksekutif Teknologi.
Gama, A. W. S., Buderini, L., & Astiti, N. P. Y. (2023). Pengaruh Literasi Keuangan, Gaya Hidup dan Pendapatan Terhadap Kemampuan Pengelolaan Keuangan Pribadi Mahasiswa Generasi Z. KRISNA: Kumpulan Riset Akuntansi, 15(1), 90-101.
Ghozali, I. (2006). Aplikasi analisis multivariate dengan program SPSS. Badan Penerbit Universitas Diponegoro.
Hidajat, S., & Wardhana, W. T. (2023). Pengaruh literasi keuangan dan sikap keuangan terhadap pengelolaan keuangan mahasiswa. Journal of Economics and Business UBS, 12(2), 1036-1048.
Mardiatmoko, G. (2020). Pentingnya uji asumsi klasik pada analisis regresi linier berganda (studi kasus penyusunan persamaan allometrik kenari muda [canarium indicum l.]). BAREKENG: Jurnal Ilmu Matematika Dan Terapan, 14(3), 333-342. https://doi.org/10.30598/barekengvol14iss3pp333-342.
Mulyadi, D. R., Subagio, N., & Riyadi, R. (2022, July). Kemampuan pengelolaan keuangan mahasiswa Pendidikan ekonomi Universitas Mulawarman. In Educational Studies: Conference Series (Vol. 2, No. 1, pp. 25-32). https://doi.org/10.30872/escs.v2i1.1186.
Mutmainah, M. I. (2024). Analisis Data Kuantitatif Uji Instrumen, Uji Asumsi Klasik, Uji Korelasi, dan Regresi Linier Berganda.
Napitupulu, J. H., Ellyawati, N., & Astuti, R. F. (2021). Pengaruh literasi keuangan dan sikap keuangan terhadap perilaku pengelolaan keuangan mahasiswa Kota Samarinda. Jurnal Pendidikan Ekonomi (JUPE), 9(3), 138-144. https://doi.org/10.26740/jupe.v9n3.p138-144.
Rumbianingrum, W., & Wijayangka, C. (2018). Pengaruh literasi keuangan terhadap pengelolaan keuangan UMKM. Almana: Jurnal Manajemen dan Bisnis, 2(3), 156-164. https://doi.org/10.36555/almana.v2i3.162.
Sugiharti, H., & Maula, K. A. (2019). Pengaruh literasi keuangan terhadap perilaku pengelolaan keuangan mahasiswa. Accounthink: Journal of Accounting and Finance, 4(2).
Syarifuddin, S., & Saudi, I. A. (2022). Metode riset praktis regresi berganda menggunakan spss.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Ghania Nurinayah, Susilawati
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Copyright Retention and Open Access License
Authors retain copyright of their work and grant the journal non-exclusive right of first publication under the Creative Commons Attribution 4.0 International License (CC BY 4.0).
This license allows unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
2. Rights Granted Under CC BY 4.0
Under this license, readers are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material for any purpose, including commercial use
- No additional restrictions — the licensor cannot revoke these freedoms as long as license terms are followed
3. Attribution Requirements
All uses must include:
- Proper citation of the original work
- Link to the Creative Commons license
- Indication if changes were made to the original work
- No suggestion that the licensor endorses the user or their use
4. Additional Distribution Rights
Authors may:
- Deposit the published version in institutional repositories
- Share through academic social networks
- Include in books, monographs, or other publications
- Post on personal or institutional websites
Requirement: All additional distributions must maintain the CC BY 4.0 license and proper attribution.
5. Self-Archiving and Pre-Print Sharing
Authors are encouraged to:
- Share pre-prints and post-prints online
- Deposit in subject-specific repositories (e.g., arXiv, bioRxiv)
- Engage in scholarly communication throughout the publication process
6. Open Access Commitment
This journal provides immediate open access to all content, supporting the global exchange of knowledge without financial, legal, or technical barriers.
