Pengaruh Gaya Hidup, Financial Literacy dan Pendapatan Terhadap Pengelolaan Keuangan Mahasiswa Akuntansi Universitas Hindu Indonesia
DOI:
https://doi.org/10.32795/ezhbxr75Keywords:
Financial Literacy, Income, Financial ManagementAbstract
The low level of financial literacy among the younger generation indicates that students do not yet possess sufficient knowledge to manage their finances wisely. Although there has been some progress, it has not been fully matched by an adequate understanding of accounting. Financial management is influenced by many factors, such as lifestyle, financial literacy and income. This study aims to determine the influence of lifestyle, financial literacy and income on financial management. The research was conducted at the Indonesian Hindu University and involved 82 respondents. The data analysis techniques used were Validity and Reliability Tests, Classical Assumptions, Multiple Linear Regression, F-Test, t-Test and Coefficient of Determination. The findings show that lifestyle has a positive and significant influence on financial management, financial literacy has a positive and significant influence on financial management, and income has a positive and significant influence on financial management. The magnitude of the influence of the independent variables on financial management is 65%. Therefore, it is recommended that accounting students at the University of Hindu Indonesia are expected to always manage their lifestyle well, improve their financial literacy through academic learning or financial seminars, and increase their income by seeking additional work opportunities
References
Arumasi, susanti. (2024). Creative Commons Attribution-ShareAlike 4.0 International License. https://doi.org/10.62710/f0wjq456
Bagaskara, K. (2022). Pengaruh Mental Accounting dan Financial LiteracyTerhadap Pengelolaan Keuangan.
Erina Wati. (2023). Analisis Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Pengelolaan Keuangan Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Iain.
Januar Resnaputra. (2023). Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Pengelolaan Keuangan Pada Mahasiswa Program Studi Manajemen Universitas Islam Indonesia Angkatan 2019-20.
Kisanthini Arcana, F. A., Septiani Barasa, W., & Fahmi, M. (2025). Pengaruh Gaya Hidup, Literasi Keuangan, Serta Pinjaman Online Terhadap Pengelolaan Keuangan Mahasiswa Di Kota Medan. In Management Studies and Entrepreneurship Journal (Vol. 6, Number 5). http://journal.yrpipku.com/index.php/msej
Kristina Dewi, S. G. Y. A. (2021). Pengaruh Literasi Keuangan, Gaya Hidup Hedonisme, Dan Pendapatan Terhadap Pengelolaan Keuangan Mahasiswa Unmas. Jurnal Emas.
Mardianto, D., Afrianti, R., Nanda, T., Manajemen, J., Universitas, E., Barat, S., & Manajemen, M. J. (2024c). Pengaruh Gaya Hidup Dan Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Pribadi.
Mas Dewi Harahap, Bhakti Helvy Rambe, & Usmala Dewi Siregar. (2025). Pengaruh Literasi Keuangan, Gaya Hidup, dan Pendapatan Terhadap Pengelolaan Keuangan Mahasiswa Prodi Manajemen Universitas Labuhanbatu. JUMBIWIRA : Jurnal Manajemen Bisnis Kewirausahaan, 4(1), 107–119. https://doi.org/10.56910/jumbiwira.v4i1.2059
Mawarti, A., & Sri Utami, E. (2024). Pengaruh Gaya Hidup, Literasi Keuangan Dan Inklusi Keuangan Terhadap Pengelolaan Keuangan (Studi Kasus Mahasiswa Universitas Mercu Buana Yogyakarta). 8(3).
Salasa Gama, A. W., Buderini, L., & Astiti, N. P. Y. (2023). Pengaruh Literasi Keuangan, Gaya Hidup, Dan Pendapatan Terhadap Kkemampuan Pengelolaan Keuangan Pribadi Mahasiswa Generasi Z. Krisna: Kumpulan Riset Akuntansi, 15(1), 90–101. https://doi.org/10.22225/kr.15.1.2023.90-101
Sanggarwati, B., Yulianti, G., & Singgih, T. S. (n.d.). Pengaruh Literasi Keuangan, Gaya Hidup dan Fintech Digital Payment terhadap Perilaku Pengelolaan Keuangan Generasi Z. https://doi.org/10.30640/ekonomika45.v13i1.4924
Sharma Dian Safitri. (2025). Pengaruh Literasi Keuangan, Pendapatan, Dan Gaya Hidup Hedonisme Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Dengan Kecerdasan Spiritual. https://digilib.uinkhas.ac.id/45698/1/SHARMA%20DIAN%20SAFITRI_214105010003_watermark.pdf
Siti Istiqomah. (2023). Pengaruh Literasi Keuangan, Gaya Hidup Hedonisme Dan Pendapatan Terhadap Perilaku Keuangan.
Suzanna, Y. (2022). 24-Article Text-192-2-10-20230429.
Syahidurrohim, N., Rismayani, G., Rahayu, I., Ekonomi, F., Bisnis, D., Tasikmalaya, P., & Alamat, T. (2025a). Perilaku Keuangan, Mental Accounting dan Digitalisasi Ekonomi terhadap Gaya Hidup Mahasiswa pada Generasi Z (Survei pada Mahasiswa Generasi Z di Provinsi Jawa Barat) (Vol. 7).
Yuniarsih, E., Tiarani, R., Fariyanda, R., Yuli, E., Raki, A., & Damayanti, F. (n.d.-a). Pengaruh Gaya Hidup Dan Mental Accounting Terhadap Pengelolaan Keuangan Mahasiswa Penerima Kip Kuliah (Studi Kasus: Mahasiswa FEB Untan). (13), 111–137. https://doi.org/10.26418/jaakfe.v13i1.81912
