Article Sidebar

Download
Download Article

Main Article Content

Abstract

This study examines the influence of hedonistic lifestyle, financial technology, and financial literacy on the financial behavior of students in the Management Study Program at Open University SALUT Kartini Rembang. Data were collected using a questionnaire and a proportional random sampling technique. The data were analyzed using multiple linear regression with IBM SPSS Statistics (version 25). The results indicate that financial literacy and financial technology significantly and positively affect the financial behavior of students in the Management Study Program at Open University SALUT Kartini Rembang. Meanwhile, a hedonistic lifestyle has a negative but relatively weak effect on students' financial behavior. The coefficient of determination (R²) shows that 16.7% of the variation in financial behavior can be explained by the variables included in the model, while the remaining 83.3% is influenced by other factors not examined in this study.

Keywords

Financial Literacy Financial Technology Hedonistic Lifestyle Financial Behavior

Article Details

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

How to Cite
Nafisah, D., & Sari , D. A. (2026). Determinants of the Financial Behavior of Universitas Terbuka Students at SALUT Kartini Rembang. Golden Ratio of Mapping Idea and Literature Format, 6(3), 2151–2159. https://doi.org/10.52970/grmilf.v6i3.2031
Download Citation
Endnote/Zotero/Mendeley (RIS)
BibTeX

References

  1. Acep Ihsanudin, and Azib. 2022. "The Impact of Hedonism Lifestyle and Spiritual Intelligence on Personal Financial Management." Bandung Conference Series: Business and Management 2(2): 1152–55. https://doi.org/10.29313/bcsbm.v2i2.3919
  2. Agustin, Amalia, and Detak Prapanca. 2023. "The Impact of Hedonism Lifestyle and Spiritual Intelligence on Generation Z's Financial Behavior with a Locus of Control." IJIEB: Indonesian Journal of Islamic Economics and Business 8(2): 304.
  3. Akib, Rafika, Jumawan Jasman, and Asriany. 2022. "The Influence of Financial Technology on Financial Behavior Moderated by Locul of Control." SEIKO: Journal of Management & Business 6(1): 558–72. https://doi.org/10.37531/sejaman.v6i1.3729
  4. Andiani, Devina Amelia Putri, and Rina Maria. 2023. "The Influence of Financial Technology and Financial Literacy on Financial Behavior in Generation Z." Journal of Business and Economic Accounting 9(2): 3468–75. https://doi.org/10.33197/jabe.vol9.iss2.2023.1226
  5. Ariska, Siti Nur, Jumawan Jusman, and Asriany. 2023. "The Influence of Financial Literacy, Financial Technology and Hedonism Lifestyle on Student Financial Behavior." Owner 7(3): 2662–73. https://doi.org/10.33395/owner.v7i3.1472
  6. Citra Wardhani, Aulia, and Iramani. 2023. "Family Financial Planning Models: The Role of Literacy, Financial Attitudes, and Income." Journal of Management Science 11(2): 473–81.
  7. Erlangga, Muchammad Yudha, and Astrie Krisnawati. 2020. "The Influence of Fintech Payment on Student Financial Management Behavior." Journal of Management and Business Research 15(1): 53. https://doi.org/10.21460/jrmb.2020.151.348
  8. Ferdinan Ramadhan, Ferdian Ali. 2021. "Upajiwa Dewantara, Vol. 5 No. 2 December 2021." Upajiwa Dewantara 5(2): 76–85.
  9. Haqiqi, A. F. Z., and Pertiwi, T. K. 2022. "The Influence of Financial Technology, Financial Literacy, and Financial Attitudes on Generation Z's Financial Behavior in the Covid-19 Pandemic Era in UPN 'Veteran' East Java Students." SEIKO: Journal of Management & Business 5(2): 355–67. https://www.journal.stieamkop.ac.id/index.php/seiko/article/view/2301.
  10. Imawati, Reza. 2020. "The Influence of Income, Financial Attitudes, and Internal Locus of Control on Financial Behavior through Financial Literacy through Financial Literacy as an Intervening Variable." Thesis, Semarang State University, Indonesia.
  11. Rahma, Fina, and Damayanti. 2022. "Factors Influencing Family Financial Planning." JAS (Journal of Sharia Accounting) 6(1): 127–39. https://doi.org/10.46367/jas.v6i1.580
  12. Sari, Dian Anita, and Thoriqul Ulum. 2023. "Financial Behavior: Is It Influenced By Hedonic Lifestyle and Financial Literacy?" STABILITY: Journal of Management & Business 6(2): 130–40. http://journal.upgris.ac.
  13. Sitriani, Afifah, Fatlina Zainuddin, M. Muslimin, and Rian Risendy. 2025. "The Influence of Financial Literacy and Financial Digitalization on the Profitability." Golden Ratio of Finance Management 5(1): 228–38. https://doi.org/10.52970/grfm.v5i1.997
  14. Trixsiana, Ajeng Faculty of Economy and Business, Hayam Wuruk University Perbanas Surabaya Wiwik, and Hayam Wuruk University Perbanas Surabaya Lestari2, Wiwik Faculty of Economy and Business. 2024. "February 2024, Revised: 13." Expectations: Journal of Business and Management 8(1): 64–79.
  15. Wahyuni, Sri Fitri, Radiman Radiman, and Dini Kinanti. 2023. "The Influence of Financial Literacy, Hedonistic Lifestyle and Personal Financial Attitudes on Student Financial Behavior." Owner 7(1): 656–71. https://doi.org/10.33395/owner.v7i1.1304
  16. Wijayanti, Handayani Tri, and Sriyanto S.. 2024. "Exploring the Impact of Fintech Innovation on Financial Stability and Regulation: A Qualitative Study." Golden Ratio of Finance Management 5(1): 21–33. https://doi.org/10.52970/grfm.v5i1.423
  17. Wulandari, Sacred Fitri. 2022. "The Influence of Financial Literacy and Financial Technology on the Financial Behavior of Online Motorcycle Taxi Drivers of the Grab Partner Community in Jambi City." Thesis. Repository of the Faculty of Economics and Business, University of Jambi, 2015.
  18. Wulandari, Try, Lazuarni, S., and Sari, R. 2022. "The Influence of Financial Literacy and Payment Gateway on the Financial Behavior of Private Management Students in Palembang City." Journal of Global Ecoment 7(2). https://doi.org/10.35908/jeg.v7i2.2269