SISKA TRI WULANDARI, NPM 2210100031 (2026) PENGARUH UANG SAKU, LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP PERILAKU KEUANGAN MAHASISWA (STUDI KASUS MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS LABUHANBATU). Skripsi thesis, Universitas Labuhanbatu.
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Abstract
Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh uang saku, literasi keuangan, dan gaya hidup terhadap perilaku keuangan mahasiswa baik secara parsial maupun simultan. Pengumpulan data dilakukan dengan menggunakan kuesioner. Pengolahan data menggunakan bantuan komputer dengan software SPSS versi 26.0 for Windows. Sampel dalam penelitian ini sebanyak 93 responden mahasiswa yang ditentukan dengan teknik probability sampling menggunakan metode simple random sampling serta rumus Slovin. Hasil penelitian menunjukkan bahwa secara simultan uang saku (X1), literasi keuangan (X2), dan gaya hidup (X3) berpengaruh signifikan terhadap perilaku keuangan mahasiswa (Y) dengan nilai Fhitung sebesar 168,103 > Ftabel 2,707 dan nilai signifikansi sebesar 0,000 < 0,05. Secara parsial menunjukkan bahwa: (1) uang saku (X1) berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa (Y) dengan nilai thitung sebesar 4,869 > ttabel 1,986 dan nilai signifikansi 0,000 < 0,05; (2) literasi keuangan (X2) berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa (Y) dengan nilai thitung sebesar 6,429 > ttabel 1,986 dan nilai signifikansi 0,000 < 0,05; (3) gaya hidup (X3) berpengaruh positif akan tetapi tidak signifikan terhadap perilaku keuangan mahasiswa (Y) dengan nilai thitung sebesar 1,871 < ttabel 1,986 dan nilai signifikansi 0,065 > 0,05. Nilai Adjusted R Square sebesar 0,845 menunjukkan bahwa variabel uang saku (X1), literasi keuangan (X2), dan gaya hidup (X3) mampu menjelaskan perilaku keuangan mahasiswa sebesar 84,5%, sedangkan sisanya sebesar 15,5% dipengaruhi oleh faktor lain di luar penelitian. Kata Kunci: Uang Saku, Literasi Keuangan, Gaya Hidup, Perilaku Keuangan =================================================================================== This study examines the influence of financial literacy and lifestyle on students' financial behavior, both partially and simultaneously. Data collection was conducted using questionnaires, and data processing was performed with the assistance of SPSS version 26.0 for Windows software. The sample in this study consisted of 93 student respondents, determined using a probability sampling technique with the simple random sampling method and the Slovin formula. The results show that simultaneously, pocket money (X1), financial literacy (X2), and lifestyle (X3) have a significant effect on students' financial behavior (Y), with an F-count value of 168.103 > F-table of 2.707 and a significance value of 0.000 < 0.05. Partially, the results indicate that: (1) pocket money (X1) has a positive and significant effect on students’ financial behavior (Y), with a t-count value of 4.869 > t-table of 1.986 and a significance value of 0.000 < 0.05; (2) financial literacy (X2) has a positive and significant effect on students’ financial behavior (Y), with a t-count value of 6.429 > t-table of 1.986 and a significance value of 0.000 < 0.05; (3) lifestyle (X3) has a positive but not significant effect on students’ financial behavior (Y), with a t-count value of 1.871 < t-table of 1.986 and a significance value of 0.065 > 0.05. The Adjusted R-Square value of 0.845 indicates that the variables of pocket money (X1), financial literacy (X2), and lifestyle (X3) are able to explain 84.5% of students' financial behavior, while the remaining 15.5% is influenced by other factors outside of this study. Keywords: Allowance, Financial Literacy, Lifestyle, Financial Behavior
| Item Type: | Thesis (Skripsi) |
|---|---|
| Uncontrolled Keywords: | Uang Saku, Literasi Keuangan, Gaya Hidup, Perilaku Keuangan=================Allowance, Financial Literacy, Lifestyle, Financial Behavior |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HF Commerce > HF5601 Accounting |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | Unnamed user with email repository@ulb.ac.id |
| Date Deposited: | 03 Jun 2026 04:48 |
| Last Modified: | 03 Jun 2026 04:48 |
| URI: | http://repository.ulb.ac.id/id/eprint/2477 |
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