Pengaruh Literasi Keuangan dan Penggunaan Aplikasi E-Wallet Terhadap Pengelolaan Keuangan Pribadi Mahasiswa

Abstract

The background of this study is based on the poor personal financial management among students at the Faculty of Teacher Training and Education, Siliwangi University, as well as the importance of students’ personal financial management skills in the digital age. This study aims to determine the influence of financial literacy and the use of e-wallet applications on students’ personal financial management. This study uses a quantitative approach with a survey research method. The population in this study is FKIP Universitas Siliwangi students, with a sample size of 379 respondents taken using a simple random sampling technique. Data collection techniques use questionnaires with a Likert scale, and data analysis uses multiple linear regression. The results of the study show that: 1) financial literacy has a positive and significant effect on personal financial management with a significance value of 0.000 < 0.05. The use of e-wallet applications has a positive effect on personal financial management with a significance value of 0.002 < 0.05. 3) Financial literacy and the use of e-wallet applications simultaneously have a positive and significant effect on financial management, with a significance value of 0.000 < 0.05. The implication of this research is the importance of literacy and the use of technology, such as e-wallet applications, in improving the quality of financial management effectively and efficiently. These findings are expected to serve as a reference for students, educational institutions, and future researchers in financial literacy to enhance students' personal financial management.