PENGARUH LITERASI KEUANGAN TERHADAP PERILAKU KEUANGAN DENGAN FINANCIAL TECHNOLOGY (FINTECH) SEBAGAI VARIABEL INTERVENING PADA MAHASISWA PROGRAM STUDI KEPERAWATAN UNIVERSITAS MUHAMMADIYAH GOMBONG

Rizky Nur Cahyani, Salsabila Nasywa Syifathania, Hafid Syarif Hidayatulloh, Siti Barokah

= https://doi.org/10.26753/hombis.v3i1.1417
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Abstract


Abstract

 

This study aims to examine the effect of financial literacy on financial behavior with financial technology (Fintech) as an intervening variable. This study uses quantitative methods and data collection through surveys with questionnaire media. Respondents in this study were 115 students of the Nursing Study Program of the Muhammadiyah Gombong University Undergraduate Program who were taken from a population of 582 students. The data analysis technique used in this research is quantitative data analysis technique with a test tool using Smart PLS (Partial Least Square). The results of this study indicate that financial literacy has a positive and significant effect on the financial behavior of students of the Nursing Study Program of the Muhammadiyah Gombong University Undergraduate Program, and financial literacy has a positive and significant effect on financial behavior through financial technology variables in Nursing Study Program students of the Muhammadiyah Gombong University Undergraduate Program.

Keywords: Financial Literacy, Financial Technology, Financial Behavior

Abstrak

Penelitian ini bertujuan untuk meneliti pengaruh literasi keuangan terhadap perilaku keuangan dengan financial technology (Fintech) sebagai variabel intervening. Penelitian ini menggunakan metode kuantitatif dan pengumpulan data melalui survei dengan media kuesioner. Responden dalam penelitian ini sebanyak 115 mahasiswa Program Studi Keperawatan Program Sarjana Universitas Muhammadiyah Gombong yang diambil dari populasi sebanyak  582 mahasiswa. Teknik analisis data yang digunakan dalam penelitian ini adalah teknik analisis data kuantitatif dengan alat uji menggunakan Smart PLS (Partial Least Square). Hasil penelitian ini menunjukkan Literasi keuangan berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa Program Studi Keperawatan Program Sarjana Universitas Muhammadiyah Gombong, dan literasi keuangan berpengaruh positif dan signifikan terhadap perilaku keuangan melalui variabel financial technology pada mahasiswa Program Studi Keperawatan Program Sarjana Universitas Muhammadiyah Gombong.

Kata kunci: Literasi Keuangan, Financial Technology, Perilaku Keuangan


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