Pengaruh Financial Literacy, Fintech Payment, dan Marketplace Tiktok Shop terhadap Financial Behavior pada Mahasiswa S1 Fakultas Ekonomika dan Bisnis Universitas Negeri Surabaya

The Effect of Financial Literacy, Fintech Payment, and Marketplace Tiktok Shop on Financial Behavior in Undergraduate Students of the Faculty of Economics and Business, Surabaya State University

Mahasiswa menjadi salah satu agen perubahan yang akan dijadikan pelopor atau contoh bagi masyarakat. Namun, seiring berjalannya waktu kualitas dan perilaku keuangan dari mahasiswa dapat dikatakan naik turun karena dengan adanya kemudahan teknologi yang serba digital berdampak pada perilaku keuangan dalam kehidupan sehari-hari. Penelitian ini bertujuan untuk mengetahui pengaruh antara financial literacy, fintech payment, dan marketplace tiktok shop terhadap financial behavior pada mahasiswa S1 Fakultas Ekonomika dan Bisnis Universitas Negeri Surabaya. Jenis penelitian ini adalah kuantitatif dengan menggunakan data primer yang bersumber dari jawaban responden. Populasi penelitian ini merupakan mahasiswa S1 Fakultas Ekonomika dan Bisnis Universitas Negeri Surabaya dengan teknik pengambilan probability sampling dan didapatkan sebanyak 64 responden sebagai sampel dalam penelitian ini.

Data penelitian ini diolah menggunakan software IBM SPSS Statictics 22 dan dianalisis dengan metode regresi linier berganda. Hasil dari penelitian menunjukkan bahwa variabel financial literacy berpengaruh secara negatif signifikan terhadap financial behavior. Sedangkan, variabel fintech payment berpengaruh positif signifikan terhadap variabel financial behavior dan marketplace tiktok shop tidak berpengaruh terhadap financial behavior. Financial literacy memiliki pengaruh secara negatif karena mahasiswa cenderung kurang memahami makna literasi keuangan dengan baik. Fintech payment memiliki pengaruh positif karena di era modern yang serba digital diharuskan untuk mengikuti perkembangan modern. Marketplace tiktok shop cenderung berkaitan dengan perilaku konsumsi seseorang.

Kata Kunci : financial behavior, financial literacy, fintech payment, dan marketplace tiktok shop

Students are one of the agents of change who will be used as pioneers or examples for the community. However, over time the quality and financial behavior of students can be said to go up and down because the ease of digital technology has an impact on financial behavior in everyday life. This study aims to determine the effect of financial literacy, fintech payment, and tiktok shop marketplace on financial behavior in undergraduate students of the Faculty of Economics and Business, Surabaya State University. This type of research is quantitative using primary data sourced from respondents' answers. The population of this study were undergraduate students of the Faculty of Economics and Business, Surabaya State University with probability sampling technique and 64 respondents were obtained as samples in this study.

This research data was processed using IBM SPSS Statictics 22 software and analyzed using multiple linear regression methods. The results showed that the financial literacy variable had a significant negative effect on financial behavior. Meanwhile, the fintech payment variable has a significant positive effect on the financial behavior variable and the tiktok shop marketplace has no effect on financial behavior. Financial literacy has a negative influence because students tend to not understand the meaning of financial literacy well. Fintech payment has a positive influence because in the modern era that is all digital it is required to keep up with modern developments. The tiktok shop marketplace tends to be related to a person's consumption behavior.

Keywords : financial behavior, financial literacy, fintech payment, dan marketplace tiktok shop