The effect of financial literacy on financial management behavior among non-economic vocational students: Evidence from digital office management students
DOI:
https://doi.org/10.67964/zrk91f55Keywords:
Financial literacy, Financial management behavior, Vocational students, Digital office management, Financial decision-makingAbstract
Financial literacy is important for university students because the ability to understand and manage finances may influence how they make financial decisions in everyday life. This study aims to analyze the effect of financial literacy on the financial management behavior of students in the Digital Office Management program at Universitas Airlangga. A quantitative associative study was conducted with 64 students from the 2024–2025 cohorts selected through purposive sampling, with data collected using a questionnaire and analyzed using simple linear regression. Financial literacy had a positive and significant effect on financial management behavior (B = 0.283; t = 3.580; p < 0.001), with an R² of 0.171, indicating that financial literacy explained 17.1% of the variance in financial management behavior. This finding contributes to the development of research on financial behavior among non-economic vocational students and highlights the importance of strengthening financial literacy to support students’ financial management practices.
Abstrak
Literasi keuangan menjadi penting bagi mahasiswa karena kemampuan memahami dan mengelola keuangan dapat memengaruhi cara mereka mengambil keputusan finansial dalam kehidupan sehari-hari. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan terhadap perilaku manajemen keuangan mahasiswa D4 Manajemen Perkantoran Digital Universitas Airlangga. Penelitian kuantitatif asosiatif dilakukan terhadap 64 mahasiswa angkatan 2024–2025 yang dipilih menggunakan purposive sampling, dengan data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi linear sederhana. Literasi keuangan berpengaruh positif dan signifikan terhadap perilaku manajemen keuangan (B = 0,283; t = 3,580; p < 0,001), dengan R² = 0,171, yang menunjukkan bahwa literasi keuangan menjelaskan 17,1% variasi perilaku manajemen keuangan. Temuan ini berkontribusi pada pengembangan kajian perilaku keuangan mahasiswa vokasi non-ekonomi dan menunjukkan pentingnya penguatan literasi keuangan dalam mendukung pengelolaan keuangan mahasiswa.
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Copyright (c) 2026 Ricka Irkhatul Aini, Muhammad Daffa Cahya Putra Hariono, Amaliyah Amaliyah, Erindah Dimisyqiyani, Gagas Gayuh Aji, Rizky Amalia Sinulingga (Author)
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