PENGARUH FINANCIAL TECHNOLOGY, FINANCIAL LITERACY, DAN HEDONISM LIFESTYLE TERHADAP PENGELOLAAN KEUANGAN PESERTA DIDIK DI SMKN 4 SURABAYA

THE EFFECTS OF FINANCIAL TECHNOLOGY, FINANCIAL LITERACY, AND HEDONISM LIFESTYLE ON THE FINANCIAL MANAGEMENT OF STUDENTS AT SMKN 4 SURABAYA

 Penelitian ini bertujuan untuk mengetahui pengaruh financial technology, financial literacy, dan hedonism lifestyle terhadap pengelolaan keuangan peserta didik di SMKN 4 Surabaya. Jenis penelitian ini adalah penelitian ex-post facto dengan subyek penelitian yaitu peserta didik kelas XI jurusan akuntansi keuangan dan lembaga di SMKN 4 Surabaya yang berjumlah 102 peserta didik. Teknik pengambilan sampel menggunakan purposive sampling dengan jumlah 64 peserta didik. Teknik analisis data menggunakan analisis regresi linear berganda dengan software SPSS 25.

Hasil penelitian menunjukkan bahwa (1) financial technology, financial literacy, dan hedonism lifestyle secara simultan berpengaruh signifikan terhadap pengelolaan keuangan peserta didik. (2) financial technology berpengaruh positif dan siginifikan terhadap pengelolaan keuangan peserta didik. (3) financial literacy berpengaruh positif dan siginifikan terhadap pengelolaan keuangan peserta didik. (4) hedonism lifestyle berpengaruh positif dan siginifikan terhadap pengelolaan keuangan peserta didik. Adapun nilai adjusted R square dalam penelitian ini sebesar 50,5% yang berarti bahwa kontribusi pengaruh financial technology, financial literacy, dan hedonism lifestyle terhadap pengelolaan keuangan peserta didik sebesar 50,5% Sedangkan sisanya sebesar 49,5% dipengaruhi oleh variabel lain diluar penelitian ini.

Kata Kunci : Pengelolaan Keuangan, Financial Technology, Financial Literacy, Dan Hedonism Lifestyle.

The pupose of this research was to determine the effects of financial technology, financial literacy, and hedonism lifestyle on the financial management of students at SMKN 4 Surabaya. This type of research is es-post facto, the research subjects is students of financial accounting and institutions grade XI at SMKN 4 Surabaya amount 102 stundents. The number of samples is 64 students using purposive sampling technique. The analysis technique uses multiple linear regression analysis with software SPSS 25.

The results showed that (1) financial technology, financial literacy, and hedonism lifestyle had significant effect on the financial management of students. (2) financial technology have a positive and significance effect on the financial management of students. (3) financial literacy have a positive and significance effect on the financial management of students. (4) hedonism lifestyle have a positive and significance effect on the financial management of students. The adjusted R square value in this study is 50,5% it means the contribution of financial technology, financial literacy, and hedonism lifestyle on the financial management is 50,5% while the remaining 49,5% is influenced by another variabels.

Keywords : Financial Management, Financial Technology, Financial Literacy, and Hedonism Lifestyle