Pengaruh Literasi Keuangan, Financial Technology Dan Self Control Terhadap Pengelolaan Keuangan Mahasiswa Di Universitas Mitra Indonesia

Objective: This study aims to analyze the effect of financial literacy, financial technology, and self-control on students’ financial management at Universitas Mitra Indonesia. Methods: This study used a quantitative approach with a survey method. Data were collected through questionnaires from 166 students of the Faculty of Business selected using purposive sampling. Data analysis was conducted using multiple linear regression with SPSS. Results: The results showed that financial literacy did not have a significant effect on students’ financial management. Financial technology and self-control had positive and significant effects. Simultaneously, financial literacy, financial technology, and self-control significantly affected students’ financial management. Novelty: The study highlights that the use of financial technology and self-control may have a stronger practical role in students’ financial management than financial literacy alone. The model explained 39.4% of the variation in financial management based on Adjusted R Square.