Pengaruh Literasi Keuangan, Penggunaan Financial Technology dan Gaya Hidup terhadap Pengelolaan Keuangan pada Mahasiswa FEB Universitas Bumigora

Abstrak

Financial management is an important life skill for college students, yet many students still experience difficulties in managing their finances due to low financial literacy, use of financial technology, and a consumptive lifestyle. This study aims to analyze the influence of financial literacy, financial technology, and lifestyle on the financial management of students at the Faculty of Economics and Business, Bumigora University, Mataram. The study used an associative quantitative approach with a survey method involving 91 respondents selected using the Slovin formula with a 10% margin of error and a purposive sampling technique. Data were collected through a Likert-scale questionnaire and analyzed using multiple linear regression with SPSS 29. The results showed that financial literacy and lifestyle had a positive and significant effect on financial management, while financial technology had no significant effect. Simultaneously, all three variables had a significant effect with a coefficient of determination of 81.6%. These findings indicate that lifestyle is the most dominant factor influencing students' financial management. This research contributes to the development of studies on student financial behavior, particularly in Eastern Indonesia, and emphasizes the importance of controlling consumption behavior in addition to improving financial literacy.