Determinan Perilaku Keuangan Mahasiswa: Peran Literasi Keuangan dan Pengendalian Diri
DOI:
https://doi.org/10.35870/ljit.v4i1.7379Keywords:
literasi keuangan; pengendalian diri; perilaku keuangan; mahasiswa.Abstract
Perilaku keuangan mahasiswa menjadi isu penting karena mahasiswa berada pada fase transisi menuju kemandirian ekonomi dan semakin sering menggunakan layanan keuangan digital. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan pengendalian diri terhadap perilaku keuangan mahasiswa Jurusan Ilmu Akuntansi Universitas Negeri Makassar. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian eksplanatori. Responden penelitian adalah 95 mahasiswa yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner tertutup berbasis skala Likert lima poin dan dianalisis menggunakan Partial Least Squares-Structural Equation Modeling dengan bantuan SmartPLS. Literasi keuangan berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa dengan koefisien sebesar 0,275, t-statistic sebesar 3,520, dan p-value < 0,001. Pengendalian diri juga berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa dengan koefisien sebesar 0,391, t-statistic sebesar 5,118, dan p-value < 0,001.Temuan ini menunjukkan bahwa perilaku keuangan mahasiswa dapat diperkuat melalui peningkatan pemahaman keuangan dan kemampuan mengendalikan dorongan konsumtif dalam pengambilan keputusan keuangan sehari-hari.
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