Peran Manajemen Keuangan Pribadi Terhadap Kesejahteraan Finansial Melalui Financial Technology
DOI:
https://doi.org/10.63822/zhfhxw16Keywords:
Manajemen keuangan pribadi, Kesejahteraan finansial, Financial TechnologyAbstract
Penelitian ini bertujuan untuk mengkaji pengaruh manajemen keuangan pribadi terhadap kesejahteraan finansial dengan memfokuskan pada peran Financial Technology. Menggunakan pendekatan kuantitatif, penelitian ini melibatkan 100 responden dari mahasiswa Fakultas Ekonomi Universitas Negeri Makassar dengan metode purposive sampling. Pengumpulan data dilakukan melalui kuesioner online, dan analisis data dilakukan menggunakan Structural Equation Modeling-Partial Least Squares (PLS-SEM) melalui aplikasi SmartPLS 4.0. Hasil penelitian menunjukkan bahwa manajemen keuangan pribadi berpengaruh positif dan signifikan terhadap kesejahteraan finansial, baik secara langsung maupun tidak langsung melalui Financial Technology. Temuan ini juga mengonfirmasi bahwa Financial Technology berperan sebagai mediator yang memperkuat hubungan antara manajemen keuangan pribadi dan kesejahteraan finansial. Dengan demikian, penelitian ini diharapkan dapat memberikan gambaran yang lebih komprehensif mengenai pentingnya literasi keuangan dan pemanfaatan teknologi keuangan dalam upaya meningkatkan kondisi finansial mahasiswa.
Downloads
References
Aaron Beldiq, E., Callula, B., Aprila Yusuf, N., & Rahmania Az Zahra, A. (2024). Unlocking Organizational Potential: Assessing the Impact of Technology through SmartPLS in Advancing Management Excellence. APTISI Transactions on Management (ATM), 8(1), 40–48. https://doi.org/10.33050/atm.v8i1.2195
Ahmad, H. L. & A. (2022). Malaysia Association of Research and Education for Educators. In International Conference Of Research And Education For Educators (Icree) 2022 Conference Proceedings eISBN 978-629-97463-0-0 Tah.
Alashqar, M. M., Rahim, A. B. A., & Abd Aziz, A. S. Bin. (2023). Examining the trend of the research on cybercrime: a bibliometric review. Res Militaris, 13(3), 2945–2956.
Amos, A., Spss, D., Jumlah, U., Besar, S., Purwanto, A., Asbari, M., & Santoso, T. I. (2021). Analisis Data Penelitian Marketing: Perbandingan Hasil Antara Amos, Smartpls, Warppls, Dan Spss Untuk Jumlah Sampel Besar. Journal of Industrial Engineering & Management Research, 2(4), 216–227.
Bacatan, R. J. (2024). Mediating Effect of School Climate on the Relationship between Mathematical Resilience and Disposition of Senior High School Students. Twist, 19(2), 17–31.
Birkenmaier, J., Zhang, Y., & Huang, J. (2025). Financial services mistreatment, financial access, and financial well-being: A causal mediation analysis. Journal of Retailing and Consumer Services, 84, 104253. https://doi.org/10.1016/j.jretconser.2025.104253
Carlos Rodr ́ıgue, J., Van der Merwe, J., Muarif Wahid, S., Putra Cesna, G., & Aditiya Prabowo, D. (2024). Improving Natural Resource Management through AI: Quantitative Analysis using SmartPLS. International Transactions on Artificial Intelligence (ITALIC), 2(2), 135–142. https://doi.org/10.33050/italic.v2i2.548
Carpenter, C. S., Dasgupta, K., Merchant, Z., & Plum, A. (2025). Sexual orientation and financial well-being in the United States. Journal of Economic Behavior & Organization, 233, 106967. https://doi.org/10.1016/j.jebo.2025.106967
Cheah, J. H., Thurasamy, R., Memon, M. A., Chuah, F., & Ting, H. (2020). Multigroup analysis using smartpls: Step-by-step guidelines for business research. Asian Journal of Business Research, 10(3), I–XIX. https://doi.org/10.14707/ajbr.200087
Deshpande, S., Svetina, M., & Zhu, P. (2025). CEO and CFO conscientiousness and working capital management during global financial crisis. Journal of Behavioral and Experimental Finance, 45, 101026. https://doi.org/10.1016/j.jbef.2025.101026
Guo, J., Yu, J., & Tian, Z. (2025). Financial Technology, population aging, and corporate innovation. International Review of Financial Analysis, 100, 103956. https://doi.org/10.1016/j.irfa.2025.103956
Harfizar, Wicaksono, M. W., Hakim, M. B., Wijaya, F. H., Saleh, T., & Sana, E. (2024). Analyzing the Influence of Artificial Intelligence on Digital Innovation: A SmartPLS Approach. IAIC Transactions on Sustainable Digital Innovation (ITSDI), 5(2), 108–116. https://doi.org/10.34306/itsdi.v5i2.659
Hassan, N. C., Abdul-Rahman, A., Hamid, S. N. A., & Amin, S. I. M. (2024). What factors affecting investment decision? The moderating role of fintech self-efficacy. PLoS ONE, 19(4 April), 1–25. https://doi.org/10.1371/journal.pone.0299004
Hussain, K., Jian, Z., & Khan, A. (2025). Circular economy and EU’s energy transition: The moderating and transitioning effects of financial structure and circular carbon technology innovation: Evidence from C-Lasso and PSTR approaches. Journal of Cleaner Production, 145434. https://doi.org/10.1016/j.jclepro.2025.145434
Nathie, M., Mahdzan, N. S., Hanifa, M. H., Ahmad, W. M. W., & Zainudin, R. (2023). Islamic and Conventional Financial Literacy: Systematic and Bibliometric Literature Analyses. Journal of King Abdulaziz University, Islamic Economics, 36(2), 29–60. https://doi.org/10.4197/Islec.36-2.2
Quarshie, M. A., & Otoo, M. (2022). Entrepreneurial Intentions of Students in the University of Energy and Natural Resources , Ghana : Does Personality Trait Matter ? 8(1), 27–38. https://doi.org/10.26796/jenrm.v8i1.188
Sabri, M. F., Anthony, M., Law, S. H., Rahim, H. A., Burhan, N. A. S., & Ithnin, M. (2024). Impact of financial behaviour on financial well-being: evidence among young adults in Malaysia. Journal of Financial Services Marketing, 29(3), 788–807. https://doi.org/10.1057/s41264-023-00234-8
Tarawneh, A., Abdul-Rahman, A., Mohd Amin, S. I., & Ghazali, M. F. (2024). A Systematic Review of Fintech and Banking Profitability. International Journal of Financial Studies, 12(1), 1–21. https://doi.org/10.3390/ijfs12010003
Vieira, K. M., Matheis, T. K., Pereira, B. A. D., & Klein, L. L. (2025). Financial well-being of the older adult Brazilians. Revista Española de Geriatría y Gerontología, 60(4), 101631. https://doi.org/10.1016/j.regg.2025.101631
Wang, H., & Sun, H. (2025). New energy pilot policy, financial subsidies and green technology progress. International Journal of Hydrogen Energy, 115, 400–409. https://doi.org/10.1016/j.ijhydene.2025.01.406
Wu, Y., & Ziqi, L. (2025). Are advancements in renewable energy technologies being driven by the digital economy and financial structure? An overview of the key eight nations. Energy Strategy Reviews, 59, 101679. https://doi.org/10.1016/j.esr.2025.101679
Yang, L., & Li, R. (2025). Government governance, family financial support, and financial well-being of the elderly: Evidence from CHARLS Data. Finance Research Letters, 74, 106807. https://doi.org/10.1016/j.frl.2025.106807
Yun, L., & Mao, Z. (2025). Psychological security, financial market participation, and residents’ subjective well-being: An empirical analysis based on CFPS data. International Review of Economics & Finance, 97, 103744. https://doi.org/10.1016/j.iref.2024.103744
Zeng, W., Tu, Y., Juan, X., & Tian, G. (Li). (2025). Financial regulation, digital currency, and risk management. Finance Research Letters, 79, 107279. https://doi.org/10.1016/j.frl.2025.107279
Zhu, A. Y. F. (2025). Unlocking financial literacy with machine learning: A critical step to advance personal finance research and practice. Technology in Society, 81, 102797. https://doi.org/10.1016/j.techsoc.2024.102797
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Sri Utami, Hikmayani Subur (Author)
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
