The Influence of Fintech on Financial Management Behavior: A Case Study in Sigli City, Pidie Regency

Nasruddin Nasruddin, Surya Darni, Sri Wahyuni, Sutan Febriansyah

Abstract


This study aims to analyze the influence of Fintech Payment, Financial Literacy, and Service Accessibility on Financial Management among the residents of Sigli City. The research employs a quantitative approach with a survey method, involving 100 respondents selected using the Lemeshow technique. Data analysis uses Structural Equation Modeling-Partial Least Square (SEM-PLS) with SmartPLS 3.0. The findings indicate that all indicators have good validity and reliability. The evaluation of the structural model suggests that the variables of Fintech Payment, Financial Literacy, and Service Accessibility have a positive and significant impact on Financial Management. Fintech Payment assists the community in managing their finances through the features provided, Financial Literacy enhances individuals' ability to make better financial decisions, and Service Accessibility improves the ease with which the community can utilize financial services.

Keywords


Fintech; Digital Technologi; Financial Management Behavior; Financial Literacy; Accessibility

Full Text:

PDF

References


Abbasi K, Alam A, Brohi NA, Brohi IA, Nasim S. (2021). P2P lending Fintechs and SMEs’ access to finance. Econ Lett. 204:109890.

Adugna, H. (2024). Fintech dividend: How would digital financial services impact income inequality across countries? Technol Soc. 77:1-36.

Adji, Y.B., Muhammad, W. A., Akrabi, A. N. L., & Noerlina. (2023). Perkembangan Inovasi Fintech di Indonesia. Business Economic, Communication, and Social Sciences Journal (BECOSS), 5(1):47-58.

Andrew, V., & Linawati, N. (2014). Hubungan Faktor Demografi dan Pengetahuan Keuangan Dengan Perilaku Keuangan Karyawan Swasta di Surabaya. Finesta, 2(2): 35-39

Arelsa, K. D. & Sholahuddin, M. (2023). Does the effectiveness of the fintech platform affect interest in paying infaq and sadaqah?. Sebelas Maret Business Review, 8(1), 1. https://doi.org/10.20961/smbr.v8i1.75080

Azzahraa, T., & Kartini. (2022). Pengaruh Financial Technology Payment, Financial Attitude, dan Financial Knowledge terhadap Financial Management Behavior bagi Mahasiswa di Yogyakarta. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen, 1(2): 78-91

Bai, R. (2023). Impact of financial literacy, mental budgeting and self control on financial wellbeing: Mediating impact of investment decision making. Plos One, 18(11), e0294466

Chen F, Jiang G. (2022). The Roles of Fintech with Perceived Mediators in Consumer Financial Satisfaction with Cashless Payments. Mathematics, 10(19).

Ghozali, I. (2014). Partial Least Squares: Konsep, Teknik, dan Aplikasi. Badan Penerbit Universitas Diponegoro.

Chen H, Volpe, Ronald P. (1998). An Analysis of Personal Literacy among College Students. Financial Service Review, 7(2):107-128

Choung, Youngjoo & Chatterjee, Swarn & Pak, Tae-Young. (2023). Digital financial literacy and financial well-being. Finance Research Letters, Elsevier, 58(PB).

Cummins M., Haskel J. H., & Jenkins S. (2009). Financial Attitudes And Spanding Habits Of University Fresmen. Journal Of Economics And Economic Education Research, 10 (1)

Waluyo, D. (2023). Kemajuan Nyata Pasar Digital Indonesia". Indonesia.go.id. Diterbitkan pada Jumat, 10 November 2023. Tersedia di: https://indonesia.go.id/kategori/editorial/7734/kemajuan-nyata-pasar-digital-indonesia [Diakses pada 20 Maret 2024]

Griffin, N., Uña, G., Bazarbash, M., & Verma, A. (2023). Fintech Payments in Public Financial Management: Benefits and Risks. IMF Working Papers, (020), 1.

Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (2nd ed.). SAGE Publications.

Khadijah, K., & Janrosl, V. S. E. 2022. Pengaruh Persepsi Manfaat Dan Persepsi Kemudahan Terhadap Fintech Menggunakan Tam (Technology Acceptance Model) Di Kota Batam. JRAK (Jurnal Riset Akuntansi Dan Bisnis), 8(1):48-55.

Litamahuputty JV. (2020). Tingkat literasi keuangan mahasiswa politeknik negeri ambon. Intelektiva: Jurnal Ekonomi, Sosial & Humaniora, 2(1):83-89.

Mahdzan, N.S., & Tabiani, S. (2013). The Impact of Financial Literacy on Individual Saving: an Exploratory study in the Malaysia Context”: Transformations in Business & economics, 12(1): 41-55.

Mende, C. D., & Dewi, Y. E. P. (2021). Pengaruh Manajemen Talenta Terhadap Employee Engagement dan Work From Home Sebagai Variabel Moderasi. Jurnal Administrasi Bisnis, 10(1): 45-56. https://doi.org/10.14710/jab.v10i1.36055

Mirchandani, A., Gupta, N., & Ndiweni, E. (2020). Understanding the Fintech Wave: A Search for a Theoretical Explanation, 10(5):331-343.

Mukti, V. W., Rinofah, R., & Kusumawardhani, R. (2022). Pengaruh Fintech Payment dan Literasi Keuangan terhadap Perilaku Manajemen Keuangan Mahasiswa. Jurnal Akuntansi dan Keuangan Vol 19 No 1, 52-58.

Munawar, A. H., Subrata, A., & Nugraha, C. (2023). Kontribusi financial technology (fintech) payment terhadap perilaku manajemen keuangan pada masa pandemi covid-19 di Kota Banjar. Inovasi : Jurnal Ekonomi, Keuangan, Dan Manajemen, 19(3):798-807.

Mustafa, J. A., Marie, A., Al-Amarneh, A., & Al-Abbadi, A. (2023). The Role of Fintech Payment Instruments in Improving Financial Inclusion. Information Sciences Letters, 12(6), 2659–2670.

Nasruddin, & Putri, S. A. (2023). Pengaruh Talent Management dan Knowledge Management Terhadap Employee Retention pada Millennials Workforce yang di Moderasi oleh Employee Engagement. Jurnal EMT KITA, 7(4):974-984.

Ningsih DR. (2020). Peran Financial Technology (Fintech) Dalam Membantu Perkembangan Wirausaha UMKM. Prosiding Seminar Nasional Pendidikan Program Pascasarjana Universitas Pgri Palembang: 270-277.

Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh Pengetahuan Keuangan dan Sikap Keuangan terhadap Locus of Control dan Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(1):96.

Purwanti. (2021). Pengaruh Financial Knowledge, Financial Attitude, Persepsi Kemudahan, Sosial Demografi Penggunaan Dana Dompet Digital Terhadap Financial Management Behavior (Studi Empiris Konsumen Mahasiswa di Pelita Bangsa). Jurnal Daya Saing, 7(1): 58-66.

Rahayu, N. K. D. S., & Meitriana, M. A. (2023). Pengaruh Literasi Keuangan dan Sikap Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Prodi Pendidikan Ekonomi Undiksha. Ekuitas: Jurnal Pendidikan Ekonomi, 11(2): 219-225.

Rustiaria A.P., Silvy M., (2017), Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Tingkat Pendidikan Terhadap Perilaku Pengelolaan Keuangan Keluarga, e journal Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya.

Saad, A. B. M., Jonathan, G., Md Kassim, A. A., & Nejad, M. Y. (2023). Money Management Behavior among Adults in Indonesia. Information Management and Business Review, 15(4(SI)I): 146-154.

Safitri, T. A. (2021). Kontribusi Fintech Payment terhadap Perilaku Manajemen Keuangan di Masa Pandemi Covid-19. Jurnal Ekonomi Manajemen Sumber Daya, 23(2): 140-145.

Sari, W. A., Fiorintari, F., & Ardhi, Q. (2023). Persepsi generasi-z dalam penggunaan fintech payment. Eksos, 19(1), 17-26. https://doi.org/10.31573/eksos.v19i1.509

Stefanus, S & Vany, E., A. (2014). Pengaruh Employee Engagement dan Workplace Well-being terhadap Turnover Intention (Studi pada Kantor Akuntan Publik ABC & Rekan). Jurnal Organisasi dan Manajemen. 1(2): 1-24.

Suleiman, A., Dewaranu, T., & Anjani, N. H. (2022). Creating informed consumers: Tracking financial literacy programs in Indonesia. Center for Indonesian Policy Studies (CIPS), 49.

Sun R, Zhang B. (2023). Can fintech make corporate investments more efficient? A study on financing constraints and agency conflicts. Economic Research-Ekonomska Istrazivanja, 36(3).

Vučinić M. (2020). Fintech and Financial Stability Potential Influence of Fintech on Financial Stability, Risks and Benefits. Journal of Central Banking Theory and Practice, 9(2):43-66.

Winarti W, Supyan IS. (2022). Peranan Literasi Keuangan Dalam Mengatur Perencanaan Keuangan Individu. Prosiding FRIMA (Festival Riset Ilmiah Manajemen Dan Akuntansi), 6681(4):49-56.

Zeidy, I. A. (2022). The role of financial technology (FINTECH) in changing financial industry and increasing efficiency in the economy. COMESA Monetary Institute, 1–20.




DOI: https://doi.org/10.29103/jak.v12i2.18262

Article Metrics

 Abstract Views : 220 times
 PDF Downloaded : 24 times

Refbacks

  • There are currently no refbacks.


Copyright (c) 2024 Nasruddin Nasruddin, Surya Darni, Sri Wahyuni, Sutan Febriansyah

Jurnal Akuntansi dan Keuangan (JAK)

ISSN 2301-4717