Simangunsong, Juan Fajar Samuel (2026) PENGARUH FINANCIAL TECHNOLOGY, LIFESTYLE HEDONSIME, DAN PENDAPATAN TERHADAP PERSONAL FINANCIAL MANAGEMENT PADA STUDI KASUS UPN "VETERAN" SURABAYA, UNAIR, UNESA, DAN UIN SUNAN AMPEL SURABAYA. Undergraduate thesis, UPN Veteran Jawa Timur.
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Abstract
This study aims to analyze the influence of Financial Technology, Hedonistic Lifestyle, and Income on Personal Financial Management among accounting students. The rapid development of digital financial services has made financial transactions and financial management more convenient. However, the increasing use of technology has also been accompanied by the emergence of consumptive behavior and a hedonistic lifestyle among students. In addition, income is an important factor that determines an individual's ability to allocate and manage financial resources effectively. This study employed a quantitative approach by collecting data through questionnaires distributed to accounting students. The data were analyzed using the multiple linear regression method. The results indicate that Financial Technology has a positive and significant effect on Personal Financial Management, whereas Hedonistic Lifestyle and Income do not have a significant effect on Personal Financial Management. Simultaneously, Financial Technology, Hedonistic Lifestyle, and Income have a significant effect on Personal Financial Management. These findings suggest that students need to optimize the utilization of financial technology and improve their financial discipline in managing their finances in order to achieve better financial well-being.
| Item Type: | Thesis (Undergraduate) | ||||||||
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| Subjects: | H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance. Corporation finance | ||||||||
| Divisions: | Faculty of Economic and Business > Departement of Accounting | ||||||||
| Depositing User: | Juan Fajar juan Simangunsong | ||||||||
| Date Deposited: | 21 Jul 2026 04:09 | ||||||||
| Last Modified: | 21 Jul 2026 06:54 | ||||||||
| URI: | https://repository.upnjatim.ac.id/id/eprint/55683 |
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