Ahmad Maulana, Arna Purtina, Istighfaris Rezki

Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Pengelolaan Keuangan Mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Universitas Muhammadiyah Palangkaraya

Introduction

Pengaruh literasi keuangan dan gaya hidup terhadap pengelolaan keuangan mahasiswa fakultas keguruan dan ilmu pendidikan universitas muhammadiyah palangkaraya. Pelajari pengaruh literasi keuangan dan gaya hidup terhadap pengelolaan keuangan mahasiswa FKIP Universitas Muhammadiyah Palangkaraya. Hasil studi menunjukkan tidak ada pengaruh signifikan.

Abstract

Penelitian ini bertujuan untuk: (1) mengetahui pengaruh literasi keuangan terhadap Penelolaan keuangan mahasiswa fakultas keguruan dan ilmu pendidikan, (2) mengetahui pengaruh gaya hidup terhadap pengelolaan keuangan mahasiswa fakultas keguruan dan ilmu pendidikan, (3) mengetahui pengaruh literasi keuangan dan gaya hidup terhadap pengelolaan keuangan mahasiswa fakultas keguruan dan ilmu pendidikan. Populasi dalam penelitian ini adalah mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Universitas Muhammadiyah Palangkaraya yang berjumlah 76 orang dengan sampel penelitian Pendidikan Guru Sekolah Dasar berjumlah 52 Orang, Pendidikan Ekonomi berjumlah 14 Orang dan Bimbingan Konseling berjumlah 10 Orang. Pengambilan sampel ini menggunakan teknik Proportional Random Sampling. Hasil penelitian menunjukkan bahwa berdasarkan analisis regresi linearberganda Literas Keuangan tidak berpengaruh signifikan terhadap pengelolaan Keuangan karena nilai signifikansi 0,086 > 0,05 sedangkan gaya hidup tidak memiliki pengaruh terhadap Penelolaan Keuangan secara simultan dengan nilai signifikansi 0,584 > 0,05. Berdasarkan hasil secara simultan Literasi Keuangan dan Gaya Hidup tidak memiliki pengaruh terhadap Pengelolaan Keuangan secara simultan dengan nilai signifikan 0,140 > 0,05 Kemudian, berdasarkan hasil determinasi (R2) Literasi Keuangan dan Gaya Hidup tidak berpengaruh terhadap Penelolaan Keuangan.

Review

The study, titled "Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Pengelolaan Keuangan Mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Universitas Muhammadiyah Palangkaraya," investigates the crucial topic of financial management among university students. The research clearly articulates its objectives: to assess the individual influences of financial literacy and lifestyle on students' financial management, and to examine their combined impact. This area of inquiry holds significant relevance, particularly given the increasing complexity of personal finance and the formative stage of university students' financial habits. The study focuses on students from the Faculty of Teacher Training and Education at Muhammadiyah University Palangkaraya, involving a sample of 76 students drawn using a proportional random sampling technique. Methodologically, the study employs multiple linear regression analysis to test its hypotheses. Contrary to expectations often found in related literature, the findings presented are quite striking. The results indicate that financial literacy does not significantly influence financial management (p-value 0.086), nor does lifestyle (p-value 0.584). Furthermore, when financial literacy and lifestyle are considered simultaneously, their combined effect on financial management is also found to be statistically insignificant (p-value 0.140). The reported coefficient of determination (R2) reinforces these conclusions, suggesting that these two variables explain very little of the variance in students' financial management practices within this specific sample. The non-significant findings, particularly regarding financial literacy, present a compelling point for further scholarly discussion and investigation. While the statistical analysis suggests no direct influence, it prompts questions about the operationalization and measurement of the constructs (financial literacy, lifestyle, and financial management) in this specific context. It is possible that the instruments used did not fully capture the nuances relevant to this student population, or that other, unmeasured variables suchate cultural norms, parental influence, or the specific economic environment of Palangkaraya, exert a stronger influence. Future research could greatly benefit from incorporating qualitative approaches to explore the underlying reasons behind these counter-intuitive results, or expanding the model to include a broader range of potential determinants of financial behavior, thereby enriching our understanding of student financial management beyond the scope of this study.

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