Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Keuangan Mahasiswa Program Studi Akuntansi Fakultas Ekonomi Universitas Persatuan Guru 1945 NTT

Abstract

This research is motivated by the increasing consumptive behavior of students and the low level of personal financial management skills amidst the development of digital technology and modern lifestyles. This study aims to determine the effect of financial literacy and lifestyle on the financial behavior of students in the Accounting Study Program, Faculty of Economics, Universitas Persatuan Guru 1945 NTT. This research employs a quantitative approach with multiple linear regression methods. The theories used are the Financial Literacy Theory by Lusardi and Mitchell and the psychographic theory by Kotler and Keller. Data collection techniques were carried out through distributing questionnaires to 31 student respondents from the Accounting Study Program, class of 2022–2023. Data analysis was conducted using validity tests, reliability tests, normality tests, simple linear regression, multiple linear regression, t-tests, F-tests, and coefficient of determination using SPSS 22. The results show that financial literacy has a positive and significant effect on financial behavior, with a calculated t-value of 4.414 > t-table 2.045 and a significance of 0.000 < 0.05. Lifestyle also has a positive effect on financial behavior with a regression coefficient of 0.201. Simultaneously, financial literacy and lifestyle affect students' financial behavior. Thus, the better the students' financial literacy and lifestyle management, the better their financial behavior will be.