PENGARUH FINTECH, LITERASI KEUANGAN, DAN JENIS KELAMIN TERHADAP PERILAKU KEUANGAN PADA MAHASISWA MANAJEMEN KEUANGAN SYARIAH UIN STS JAMBI

Abstrak

This study aims to analyze the influence of financial literacy, financial technology (fintech), and gender on students' financial behavior. The background of this research is based on the phenomenon of increasing use of digital financial services among the younger generation, especially students, which has not been fully balanced with an adequate understanding of financial literacy. This study uses a quantitative approach with a survey method through the distribution of questionnaires to 97 respondents. The collected data were analyzed using validity, reliability, multiple linear regression, t-test, and F test. The t-test showed that partially, the variables of financial literacy, financial technology, and gender had a significant effect on students' financial behavior. Meanwhile, the results of the F test prove that simultaneously these three variables have a significant effect on students' financial behavior. These findings suggest that a good financial understanding, utilization of financial technology, and demographic characteristics such as gender play an important role in shaping wise financial behaviors among college students. This research is expected to be a reference for educational institutions, governments, and financial industry players in designing financial literacy education strategies that are more effective and in accordance with the characteristics of the younger generation