Pengaruh Financial Technology, Impulsive Buying, dan Financial Self-Efficacy terhadap Perilaku Pengelolaan Keuangan Mahasiswa Akuntansi di Perguruan Tinggi Jawa Timur

Perilaku pengelolaan keuangan merupakan aspek krusial bagi mahasiswa akuntansi, khususnya dalam konteks perkembangan teknologi digital dan pola konsumsi yang semakin kompleks. Penelitian ini dimaksudkan untuk mengkaji pengaruh Financial Technology, Impulsive Buying, dan Financial Self-Efficacy Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Akuntansi di Perguruan Tinggi Jawa Timur. Penelitian menggunakan pendekatan kuantitatif dengan metode explanatory research. Sebanyak 380 mahasiswa akuntansi dijadikan sampel penelitian melalui teknik purposive sampling. Pengolahan data dilakukan menggunakan analisis regresi linier berganda melalui aplikasi SPSS versi 26. Hasil penelitian menunjukkan bahwa financial technology memiliki pengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan mahasiswa. Variabel impulsive buying berpengaruh negatif dan signifikan, yang berarti semakin tinggi kecenderungan pembelian impulsif, maka semakin rendah kualitas pengelolaan keuangan mahasiswa. Selain itu, financial self-efficacy terbukti berpengaruh positif dan signifikan, menandakan bahwa keyakinan individu terhadap kemampuan dalam mengatur keuangan berkontribusi pada terbentuknya perilaku keuangan yang lebih baik. Secara simultan, ketiga variabel tersebut memberikan pengaruh signifikan terhadap perilaku pengelolaan keuangan mahasiswa akuntansi.

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Financial management behavior is a crucial aspect for accounting students, especially in the context of digital technology development and increasingly complex consumption patterns. This study aims to examine the influence of Financial Technology, Impulsive Buying, and Financial Self-Efficacy on the Financial Management Behavior of Accounting Students in Higher Education Institutions in East Java. This study used a quantitative approach with an explanatory research method. A total of 380 accounting students were sampled using purposive sampling. Data processing was performed using multiple linear regression analysis through the SPSS version 26 application. The results showed that financial technology had a positive and significant effect on students’ financial management behavior. The impulsive buying variable had a negative and significant effect, meaning that the higher the tendency for impulsive buying, the lower the quality of students’ financial management. In addition, financial self- efficacy was found to have a positive and significant effect, indicating that an individual’s belief in their ability to manage finances contributes to the formation of better financial behavior. Simultaneously, these three variables have a significant effect on the financial management behavior of accounting students.