Pengaruh Financial Technology Terhadap Financial Management Behavior Pada Mahasiswa di Kota Semarang

Beta  Baroka Imania; Ratih  Pratiwi

doi:10.37817/ikraith-ekonomika.v9i2.5557

Beta Baroka Imania Universitas Wahid Hasyim Semarang
Ratih Pratiwi Universitas Wahid Hasyim Semarang

DOI: https://doi.org/10.37817/ikraith-ekonomika.v9i2.5557

Keywords: financial technology, financial management behavior, mahasiswa

Abstract

ABSTRAK
Perkembangan teknologi keuangan (financial technology) telah membawa perubahan
signifikan dalam perilaku pengelolaan keuangan, khususnya di kalangan generasi muda. Penelitian
ini bertujuan untuk menganalisis pengaruh financial technology terhadap financial management
behavior di Kota Semarang. Metode penelitian yang digunakan adalah pendekatan kuantitatif
dengan teknik survei. Data diperoleh melalui penyebaran kuesioner kepada mahasiswa pengguna
layanan financial technology yang dipilih menggunakan teknik purposive sampling. Variabel
independen dalam penelitian ini adalah penggunaan financial technology, sedangkan variabel
dependen adalah financial management behavior yang mencakup aspek perencanaan,
pengendalian, dan pengambilan keputusan keuangan. Analisis data dilakukan dengan uji validitas,
reliabilitas, dan regresi linier sederhana untuk menguji pengaruh variabel. Hasil penelitian
diharapkan dapat memberikan gambaran mengenai sejauh mana pemanfaatan fintech
memengaruhi perilaku pengelolaan keuangan mahasiswa, serta menjadi masukan bagi mahasiswa
dalam meningkatkan literasi dan kedisiplinan keuangan, maupun bagi penyedia layanan fintech
dalam mengembangkan produk yang lebih edukatif.

ABSTRACT
The development of financial technology (fintech) has brought significant changes in financial
management behavior, especially among the younger generation. This study aims to analyze the
influence of financial technology on the financial management behavior of students in Semarang
City. The research method used is a quantitative approach with a survey technique. Data were
obtained by distributing questionnaires to students who use fintech services, selected using
purposive sampling. The independent variable in this study is the use of financial technology, while
the dependent variable is financial management behavior, which includes aspects of financial
planning, control, and decision-making. Data analysis was performed using validity, reliability,
and simple linear regression tests to examine the influence of the variables. The results of this study
are expected to provide an overview of the extent to which the use of fintech affects students'
financial management behavior, as well as provide input for students in improving their financial
literacy and discipline, and for fintech service providers in developing more educational products.

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