PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL SELF EFFICACY DAN FINTECH PAYMENT TERHADAP MANAJEMEN KEUANGAN PRIBADI MAHASISWA DALAM PERSPEKTIF EKONOMI ISLAM (Studi Pada Mahasiswa/i UIN Raden Intan Lampung Penerima Program Kartu Indonesia Pintar Kuliah Tahun 2020-2022)

YULI, RATNA SARI (2025) PENGARUH FINANCIAL KNOWLEDGE, FINANCIAL SELF EFFICACY DAN FINTECH PAYMENT TERHADAP MANAJEMEN KEUANGAN PRIBADI MAHASISWA DALAM PERSPEKTIF EKONOMI ISLAM (Studi Pada Mahasiswa/i UIN Raden Intan Lampung Penerima Program Kartu Indonesia Pintar Kuliah Tahun 2020-2022). Diploma thesis, UIN Raden Intan Lampung.

	PDF Download (4MB)
	PDF Restricted to Repository staff only Download (3MB)

Abstract

ABSTRAK Masalah keuangan pribadi kerap terjadi dikalangan mahasiswa karena tak jarang dari mereka yang kehabisan uang saku dalam kurun waktu kurang dari satu bulan. Maka mahasiswa dituntut agar dapat memahami ilmu tentang mengatur keuangan hingga nantinya diharapkan mereka sukses dalam mengelola keuangan dengan melakuakan investasi keuangan jangka panjang yang nantinya diharapkan dapat membantu perekonomian. Penelitian ini bertujuan untuk menjelaskan apakah financial knowledge, financial self efficacy, dan fintech payment dapat mempengaruhi manajemen keuangan pribadi pada mahasiswa/i penerima program Kartu Indonesia Pintar (KIP) kuliah UIN Raden Intan Lampung tahun 2020-2022 baik secara simultan maupun parsial. Penelitian ini menggunakan metode kuantitatif dengan menggunakan teknik pengumpulan data dengan menyabarkan kuesioner melalui google form. Sampel berjumlah 100 responden, dalam teknik pengambilan sampel menggunakan rumus slovin. Populasi dalam penelitian ini yaitu mahasiswa/i penerima program KIP kuliah UIN Raden Intan Lampung. Metode analisis data dalam penelitian ini mengguakan Partial Least Square (PLS) dengan uji koefisien outer model dan inner model. Hasil penelitian menunjukkan bahwa financial knowledge, financial self efficacy dan fintech payment berpengaruh positif dan signifikan terhadap manajemen keuangan pribadi pada mahasiswa/i penerima program Kartu Indonesia Pintar (KIP) kuliah UIN Raden Intan Lampung tahun 2020-2022. Serta cecara bersama-sama financial knowledge, financial self efficacy, dan fintech payment dapat mempengaruhi manajemen keuangan pribadi pada mahasiswa/i penerima program Kartu Indonesia Pintar (KIP) kuliah UIN Raden Intan Lampung tahun 2020-2022. Kata Kunci: Financial Knowledge, Financial Self Efficacy, Fintech Payment, Manajemen Keuangan Pribadi. ABSTRACT Personal financial problems often occur among students because they still rely on pocket money obtained from scholarships and pocket money from parents, the amount of which is usually set each month and if they don't use it properly, the pocket money can run out in less than one month.. Understanding financial management is very important, because managing finances is a reality that students always face in their lives, therefore students must behave wisely in managing their finances so that they do not get trapped in financial difficulties. So students are required to be able to understand the science of managing finances so that later they are expected to be successful in managing finances by making long-term financial investments which are expected to help the economy. This research aims to explain whether financial knowledge, financial self efficacy, And fintech payment can influence the personal financial management of students receiving the Kartu Indonesia Pintar (KIP) program at UIN Raden Intan Lampung in 2020 2022, either simultaneously or partially. This research uses a quantitative method by using data collection techniques by distributing questionnaires through google form. The sample consisted of 100 respondents, the sampling technique used a formula slovin. The population in this study were students who received the KIP program at UIN Raden Intan Lampung. The data analysis method in this research uses Partial Least Square (PLS) with coefficient test outer model And inner model. The research results show that financial knowledge positive and significant influence, financial self efficacy significant positive effect and fintech payment has a positive and significant effect on personal financial management for students receiving the Kartu Indonesia Pintar (KIP) program at UIN Raden Intan Lampung in 2020 2022. And talk together financial knowledge, financial self efficacy, And fintech payment can influence the personal financial management of students who receive the Kartu Indonesia Pintar (KIP) program at UIN Raden Intan Lampung in 2020-2022. Keywords : Financial Knowledge, Financial Self Efficacy, Fintech Payment, Personal Financial Management.

Actions (login required)

View Item