ANALISIS PENGARUH FINANCIAL TECHNOLOGY, FINANCIAL SELF EFFICACY, SELF CONTROL DAN IMPULSIVE BUYING TERHADAP MANAJEMEN KEUANGAN PRIBADI MAHASISWA

Authors

  • Dwi Selvi Amalia Universitas Pembangunan Nasional Veteran Jawa Timur
  • Anik Yuliati Universitas Pembangunan Nasional Veteran Jawa Timur

DOI:

https://doi.org/10.31959/jm.v14i2.3102

Abstract

Introduction: This study aims to analyze the influence of Financial Technology, Financial Self-Efficacy, Self-Control, and Impulsive Buying on students’ personal financial management, with a focus on spending behavior and saving habits.
Methods: The sample consisted of 100 university students selected using probability sampling with a simple random sampling approach. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that only Self-Control has a significant effect on personal financial management. In contrast, Financial Technology, Financial Self-Efficacy, and Impulsive Buying did not show a significant influence.
Results: These findings highlight that self-control is a key internal factor in shaping prudent financial behavior. The implications emphasize the importance of strengthening psychological aspects, particularly self-control, in financial education and literacy programs for university students.

Keywords: Personal Financial Management, Financial Technology, Self-Efficacy, Self-Control, Impulsive Buying, Students

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Published

2025-06-29

Issue

Vol. 14 No. 2 (2025): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)

Section

Articles

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Copyright (c) 2025 Dwi Selvi Amalia, Anik Yuliati

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