PENGARUH FEAR OF MISSING OUT (FoMO), SELF-CONTROL, DAN DIGITAL FINANCIAL LITERACY TERHADAP PERILAKU KEUANGAN MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS NEGERI JAKARTA

AINI SHABRINA NURINSANI, . (2026) PENGARUH FEAR OF MISSING OUT (FoMO), SELF-CONTROL, DAN DIGITAL FINANCIAL LITERACY TERHADAP PERILAKU KEUANGAN MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS NEGERI JAKARTA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Fear of Missing Out (FoMO), self-control, dan digital financial literacy terhadap perilaku pengelolaan keuangan mahasiswa Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta (FEB UNJ). Latar belakang penelitian ini didasarkan pada meningkatnya penggunaan teknologi digital dalam aktivitas keuangan mahasiswa yang berpotensi memengaruhi pola pengambilan keputusan finansial. Fenomena FoMO yang dipicu oleh media sosial, tingkat kontrol diri individu, serta kemampuan literasi keuangan digital menjadi faktor penting yang diduga berkontribusi terhadap perilaku pengelolaan keuangan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui kuesioner yang disebarkan kepada mahasiswa FEB UNJ sebagai responden. Teknik analisis data yang digunakan adalah regresi linier berganda untuk menguji pengaruh masing-masing variabel independen terhadap variabel dependen. Hasil penelitian diharapkan menunjukkan bahwa self-control dan digital financial literacy berpengaruh positif terhadap perilaku pengelolaan keuangan, sedangkan FoMO berpengaruh negatif. Penelitian ini diharapkan dapat memberikan kontribusi dalam pengembangan literatur terkait perilaku keuangan mahasiswa serta menjadi bahan pertimbangan bagi institusi pendidikan dalam meningkatkan literasi keuangan digital dan pengendalian diri mahasiswa. Kata kunci: Fear of Missing Out, self-control, digital financial literacy, perilaku pengelolaan keuangan, mahasiswa. ***** This study aims to analyze the influence of Fear of Missing Out (FoMO), self-control, and digital financial literacy on the financial management behavior of students at the Faculty of Economics and Business, Universitas Negeri Jakarta (FEB UNJ). The background of this research is based on the increasing use of digital technology in students’ financial activities, which potentially affects their financial decision-making behavior. The phenomenon of FoMO driven by social media, individual self-control, and digital financial literacy are considered key factors influencing financial management behavior. This research employs a quantitative approach using a survey method. Data were collected through questionnaires distributed to FEB UNJ students as respondents. The data analysis technique used is multiple linear regression to examine the effect of each independent variable on the dependent variable. The results are expected to show that self-control and digital financial literacy have a positive effect on financial management behavior, while FoMO has a negative effect. This study is expected to contribute to the development of literature related to student financial behavior and serve as a reference for educational institutions in improving students’ digital financial literacy and self-control. Keywords: Fear of Missing Out, self-control, digital financial literacy, financial management behavior, students.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Erika Takidah, S.E., Ak., M.Si., CA, Ph.D; 2). Susi Indriani, M.S.Ak., Ph.D.
Subjects:	Ilmu Sosial > Keuangan Manajemen > Pendidikan, Riset Penelitian Bisnis Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Pendidikan Ekonomi
Depositing User:	Aini Shabrina Nurinsani .
Date Deposited:	18 Aug 2026 04:39
Last Modified:	18 Aug 2026 04:39
URI:	http://repository.unj.ac.id/id/eprint/71018

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