Pengaruh Literasi Keuangan, Efikasi Diri Keuangan, Penggunaan Fintech Terhadap Pengelolaan Keuangan Mahasiswa S1 Akuntansi Universitas Wijaya Kusuma Surabaya

Maharani, Merlin (2026) Pengaruh Literasi Keuangan, Efikasi Diri Keuangan, Penggunaan Fintech Terhadap Pengelolaan Keuangan Mahasiswa S1 Akuntansi Universitas Wijaya Kusuma Surabaya. [Tugas Akhir/Skripsi]

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Abstract

This study aims to analyze the influence of financial literacy, financial self-efficacy, and the use of financial technology (fintech) on the financial management of undergraduate Accounting students at Wijaya Kusuma University Surabaya. This study uses a quantitative approach with an associative research type. The population in this study consists of all active undergraduate Accounting students at Wijaya Kusuma University Surabaya in the 2025/2026 academic year, with a sample size of 104 respondents selected using purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression analysis with the assistance of SPSS software. The results of the study indicate that financial literacy has a positive and significant effect on students' financial management. Financial self-efficacy also has a positive and significant effect on students' financial management. However, the use of fintech does not have a significant impact on students' financial management. Simultaneously, financial literacy and financial self-efficacy have a significant effect on students' financial management. The results of this study indicate that improving students' financial management skills is more influenced by internal factors in the form of knowledge and self-confidence than by the mere use of financial technology. Therefore, enhancing financial literacy and financial self-efficacy should be the main focus in efforts to develop better financial management behavior among students.

Item Type:	Tugas Akhir/Skripsi
Subjects:	H Social Sciences > H Social Sciences (General)
Divisions:	Faculty of Economic and Business > Accounting Study Program
Depositing User:	43 Merlin Maharani UWKS
Date Deposited:	20 Apr 2026 02:09
Last Modified:	20 Apr 2026 02:09
URI:	http://erepository.uwks.ac.id/id/eprint/22426

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