Pengaruh Literasi Keuangan, Efek Teman Sebaya, dan Sumber Informasi terhadap Perilaku Siswa dalam Penggunaan Aplikasi Fintech

Alamsjah; Zalkha Soraya; Siti Aisyah; Friska Dwiyanti; Annisa Sultan

doi:10.33395/owner.v8i4.2513

Authors

Alamsjah Program Studi Manajemen Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar
Zalkha Soraya Program Studi Manajemen Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar
Siti Aisyah Program Studi Manajemen Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar
Friska Dwiyanti Program Studi Manajemen Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar
Annisa Sultan Program Studi Manajemen Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar

DOI:

10.33395/owner.v8i4.2513

Keywords:

Financial Literacy, Peer Effects, Sources of Information, Fintech Usage Behavior

Abstract

This study aims to determine whether financial literacy, peer effects, and sources of information influence the behavior of students at Muhammadiyah 7 Makassar High School in using fintech. The research employs a quantitative approach to examine specific populations or samples with the goal of testing established hypotheses. The findings reveal that financial literacy does not have a significant impact on fintech usage behavior. Conversely, peer effects and sources of information have a significant impact on fintech usage behavior. The urgency of this research lies in the importance of understanding the factors that influence the adoption of financial technology among students, who are the future generation and potential users of fintech. By identifying key factors that affect their behavior, schools and policymakers can design more effective educational programs and interventions to enhance understanding and responsible use of fintech. Overall, financial literacy, peer effects, and sources of information collectively account for 71.9% of the influence on fintech usage behavior, while the remaining 29.1% is affected by other variables not discussed in this study.

Downloads

Download data is not yet available.

Plum-X Analityc

References

Ajzen, I. (2011). The theory of planned behaviour: Reactions and reflections. In Psychology & health (Vol. 26, Issue 9, pp. 1113–1127). Taylor & Francis.

Akbar, F., & Hidayat, S. (2022). Pengaruh Efisiensi, Kemudahan, Dan Keamanan Informasi Terhadap Minat Menggunakan Aplikasi Fintech. Jurnal Ekonomi Syariah Pelita Bangsa, 7(02), 196–204.

Arifin, Nasir, M., Murfat, M. Z., & Syahnur, M. H. (2022). Statistik (M. N. Hamzah (ed.)). Eureka Media Aksara.

Cahyani, P., & Rochmawati, R. (2021). Pengaruh Pengetahuan Keuangan, Teman Sebaya, dan Parental Income terhadap Perilaku Keuangan dengan Self-Control sebagai Moderasi. Jurnal Ecogen, 4(2), 224–239.

Harrison, D., & Arifin, A. Z. (2024). Faktor-faktor yang memengaruhi niat penggunaan fintech pada Generasi Y dan Z di Jabodetabek. Jurnal Manajemen Bisnis Dan Kewirausahaan, 8(4), 842–852.

Irfan, M., Suryanto, S., & Dzulfikar, I. (2023). Pengaruh financial technology (fintech) adoption dan kepuasan pelanggan terhadap niat menggunakan kembali layanan e-commerce aplikasi shopee. Fair Value: Jurnal Ilmiah Akuntansi Dan Keuangan, 5(11).

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. American Economic Journal: Journal of Economic Literature, 52(1), 5–44.

OECD. (2021). OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion.

Otoritas Jasa Keuangan. (2016). Peraturan Otoritas Jasa Keuangan Tahun 2016 tentang Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa Keuangan Bagi Konsumen dan/atau Masyarakat. Kementerian Hukum dan HAM Republik Indonesia.

Putri, S. D., & Listiana, S. M. (2022). Pengaruh literasi keuangan terhadap minat menggunakan fintech payment (PayLater) pada Shopee. Abstract of Undergraduate Research, Faculty of Economics, Bung Hatta University, 21(2), 1–2.

Rustam, S. (2022). PENGARUH LITERASI KEUANGAN, PEER EFFECTS, DAN SUMBER INFORMASI TERHADAP PERILAKU PENGGUNA FINTECH DI KOTA PALOPO. UNIVERSITAS MUHAMMADIYAH PALOPO.

Saleh, M. (2020). Pengaruh Literasi Keuangan dan Kualitas Pembelajaran Keuangan Terhadap Penggunaan Fintech Mahasiswa Manajemen Dan Akuntansi Universitas Fajar. Manor: Jurnal Manajemen Dan Organisasi Review, 2(2), 94–105.

Sugiyono, P. D. (2017). Metode Penelitian Bisnis: Pendekatan Kuantitatif. In Kualitatif, Kombinasi, Dan R&D.

Syahnur, M. H., & Bahari, A. F. (2023). Determinants of Neighborhood References, and Environmental Stimuli on Purchasing Decisions for Halal Products for Consumers. Golden Ratio of Marketing and Applied Psychology of Business, 3(1), 20–33.

Tajuddin, I., Mahmud, A., & Syahnur, M. H. (2023). Determinants of Strategic Factors for Digital Transformation in Micro and Small Enterprises in Makassar City. Signifikan: Jurnal Ilmu Ekonomi, 12(1), 131–144.

Tirto. (2024). 4 Tingkat Literasi Keuangan Menurut OJK dan Indikatornya.