PENGARUH FINANCIAL STRESS, SOCIAL INFLUENCE, DAN DIGITAL FINANCIAL LITERACY TERHADAP FINANCIAL MANAGEMENT BEHAVIOR MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS NEGERI JAKARTA

SALSABILA SHAFIYAH RIHAB, . (2026) PENGARUH FINANCIAL STRESS, SOCIAL INFLUENCE, DAN DIGITAL FINANCIAL LITERACY TERHADAP FINANCIAL MANAGEMENT BEHAVIOR MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS NEGERI JAKARTA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Financial Stress, Social Influence, dan Digital Financial Literacy terhadap Financial Management Behavior pada mahasiswa Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta (FEB UNJ). Latar belakang penelitian ini didasarkan pada fenomena mahasiswa yang telah memiliki akses luas terhadap layanan keuangan digital, namun belum sepenuhnya diimbangi dengan kemampuan pengelolaan keuangan yang optimal, serta adanya tekanan finansial dan pengaruh lingkungan sosial yang turut memengaruhi perilaku pengelolaan keuangan. Penelitian ini menggunakan pendekatan kuantitatif dengan desain asosiatif kausal. Populasi dalam penelitian ini adalah mahasiswa FEB UNJ angkatan 2022 sebanyak 626 mahasiswa, dengan sampel akhir sebanyak 244 responden yang ditentukan menggunakan rumus Slovin dan teknik simple random sampling. Data dikumpulkan melalui kuesioner daring (Google Form) dengan skala Likert 1–5 dan dianalisis menggunakan regresi linear berganda melalui aplikasi SPSS versi 31. Hasil penelitian menunjukkan bahwa: (1) Financial Stress berpengaruh negatif dan signifikan terhadap Financial Management Behavior, yang berarti semakin tinggi tingkat tekanan keuangan, maka semakin menurun kualitas pengelolaan keuangan; (2) Social Influence berpengaruh positif dan signifikan terhadap Financial Management Behavior, yang menunjukkan bahwa dukungan dan pengaruh lingkungan sosial mampu mendorong perilaku pengelolaan keuangan yang lebih baik; (3) Digital Financial Literacy berpengaruh positif dan signifikan terhadap Financial Management Behavior, yang mengindikasikan bahwa pemahaman terhadap layanan keuangan digital berkontribusi dalam meningkatkan kemampuan pengelolaan keuangan. (4) Secara simultan, ketiga variabel tersebut berpengaruh signifikan terhadap Financial Management Behavior. Hal ini menunjukkan bahwa kombinasi faktor psikologis, pengaruh lingkungan sosial, serta pemahaman terhadap keuangan digital secara bersama-sama berperan dalam membentuk perilaku pengelolaan keuangan mahasiswa. ***** This study aims to analyze the influence of Financial Stress, Social Influence, and Digital Financial Literacy on Financial Management Behavior among students of the Faculty of Economics and Business at Universitas Negeri Jakarta (FEB UNJ). The background of this research is based on the phenomenon of students who have extensive access to digital financial services, but whose financial management abilities have not yet been fully optimized, as well as the presence of financial pressure and social environmental influences that also affect Financial Management Behavior. This research uses a quantitative approach with a causal associative design. The population in this study consists of 626 students from the 2022 cohort of FEB UNJ, with a final sample of 244 respondents determined using the Slovin formula and the simple random sampling technique. Data were collected thru an online questionnaire (Google Form) with a 1–5 Likert scale and analyzed using multiple linear regression thru the SPSS version 31 application. The research results show that: (1) Financial Stress has a negative and significant effect on Financial Management Behavior, meaning that the higher the level of Financial Stress, the lower the quality of financial management; (2) Social Influence has a positive and significant effect on Financial Management Behavior, indicating that support and influence from the social environment can encourage better Financial Management Behavior; (3) Digital Financial Literacy has a positive and significant effect on Financial Management Behavior, indicating that understanding digital financial services contributes to improving financial management skills; (4) simultaneously, these three variables have a significant effect on Financial Management Behavior. This indicates that the combination of psychological factors, social environmental influences, and understanding of digital finance together play a role in shaping students' Financial Management Behavior.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Erika Takidah, S.E., Ak., M.Si., CA., Ph.D. ; 2). Susi Indriani, SE., M.S.Ak., Ph.D.
Subjects:	Ilmu Sosial > Industri, Buruh, Produksi > Pendidikan Ekonomi Ilmu Sosial > Keuangan Manajemen > Manajemen , Business Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Salsabila Shafiyah Rihab .
Date Deposited:	08 Jul 2026 07:29
Last Modified:	08 Jul 2026 07:29
URI:	http://repository.unj.ac.id/id/eprint/66540

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