Perilaku Manajemen Keuangan Pribadi : Peran E-Wallet, Self-Control, dan Pendapatan

Umi Masitah, Maslichah Maslichah, Dewi Diah Fakhriyyah

Abstract


This study aims to examine the effect of financial technology (e-wallet) and self-control on students’ personal financial management behavior, with income as a moderating variable. The rapid development of e-wallet services offers convenience and efficiency in financial transactions, but it may also influence individuals’ financial management patterns, particularly among university students. This study employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 86 students of the Faculty of Economics and Business, Universitas Islam Malang, class of 2022, who had used or were currently using e-wallet services. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3 software. The results indicate that financial technology (e-wallet) and self-control have a positive and significant effect on personal financial management behavior. Income also has a direct positive effect on financial management behavior. However, income does not moderate the relationship between financial technology or self-control and personal financial management behavior. These findings suggest that students’ financial management behavior is more strongly influenced by behavioral and psychological factors rather than differences in income levels, which tend to be relatively homogeneous. This study contributes empirically to the literature on students’ financial behavior in the digital era and provides practical implications for improving financial literacy and self-control.

Keywords: Financial technology; e-wallet; self-control; income; personal financial management behavior


Full Text:

PDF

References


(OJK), O. J. K. (2022). Siaran Pers" Indeks Literasi dan Inklusi Keuangan Masyarakat Meningkat. Otoritas Jasa Keuangan (Siaran Pers). https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Indeks-Literasi-dan-Inklusi-Keuangan-Masyarakat-Meningkat.aspx

Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/https://doi.org/10.1016/0749-5978(91)90020-T

Amalia, D. S., & Yulianti, A. (2025). Analisis pengaruh financial technology , financial self efficacy , self control dan impulsive buying terhadap manajemen keuangan pribadi mahasiswa. Jurnal Maneksi (Management Ekonomi Dan Akuntansi), 14(2), 878–889.

Anjani, C., & Darto. (2023). Financial Literacy , Income and Self-Control on Financial Management Behavior of Generation Z. Journal of Business and Entrepreneurship, 5(2), 152–164.

Annisa … Bustang. (2025). Pengaruh Penggunaan E-Wallet dan Literasi Keuangan Terhadap Perilaku pembelian Impulsif Pada Mahasiswa USN KOLAKA( Program Studi Akuntansi 2021-2024). Daya Saing, 11(2). https://doi.org/https://doi.org/10.35446/dayasaing.v11i2.2263

Aqcahya, N. … Hariyanto, D. (2025). The Influence of Fintech Payment, Financial Literacy, and Lifestyle on Financial Management of Shopee Paylater Users in Pontianak City with Income as a Moderating Variable. JHSS (Journal of Humanities and Social Studies), 8(3), 1024–1032. https://doi.org/10.33751/jhss.v8i3.11850

Arifin, A. … Muharri. (2025). The Influence of Lifestyle , Income , Financial Attitude , and Self-Control on E-Wallet Usage Decisions in Generation Z. Jurnal Bisnis Mahasiswa, 5(3), 1551–1560. https://doi.org/https://doi.org/10.60036/jbm.655

Aziza, A. N., & Septiyani, D. (2024). The Effect of Financial Literacy, Income, And Self-Control on The Personal Financial Management of Politeknik Negeri Sriwijaya Students. INCOME: Innovation of Economics and Management, 3(1), 20–25. https://doi.org/10.32764/income.v3i1.5016

Daud, N. … Yusof, R. (2018). The Primary Sources of Student Financing in Higher Education Institutions. International Journal of Academic Research in Business And Social Sciences, 8(11), 1888–1895. https://doi.org/http://dx.doi.org/10.6007/IJARBSS/v8-i11/5380

Dew, J., & Xiao, J. J. (2011). The Financial Management Behavior Scale : Development and Validation. Journal of Financial Counseling and Planning, 22(1), 43–59. https://www.researchgate.net/publication/256019544_The_Financial_Management_Behavior_Scale_Development_and_Validation

Fatimah, K. D. F. … Rahayu, V. P. (2024). Pengaruh Financial Technology Payment dan Self Control terhadap Perilaku Manajemen Keuangan Mahasiswa. Educational Studies: Conference Series, 4(1), 57–67. https://jurnal.fkip.unmul.ac.id/index.php/escs/article/view/4503

Ghozali, I., & Kusumadewi, K. . (2023). Partial Least Squares: Konsep, Teknik, dan Aplikasi Menggunakan Program SmartPLS 4.0 untuk Penelitian Empiris (1st ed.). Yoga Pratama.

Ghozali, I., & Latan, H. (2015). Partial Least Squares Konsep Teknik dan Aplikasi dengan Program Smart PLS 3.0 untuk Penelitian Empiris (1st ed.). Badan Penerbit Universitas Diponegoro.

Hair, J. F. … Ray, S. (2021). Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R. Springer.

Imani, L. N. … Sanjaya, R. (2024). Pengaruh Penggunaan E-Wallet terhadap perilaku Manajemen Keuangan Mahasiswa Universitas Pamulang Tangerang Selatan. Maeswara : Jurnal Riset Ilmu Manajemen Dan Kewirausahaan, 2(6), 52–61. https://doi.org/10.61132/maeswara.v2i6.1450

Juliyanti, W. … Aziz, A. N. (2023). Financial Technology, Financial Literacy and Financial Management Behaviour in Colleges. Atlantis Press SARL. https://doi.org/10.2991/978-2-38476-056-5_53

Khoirunnisa, R. A., & Purnamasari, P. E. (2024). Literasi Keuangan Memoderasi Hubungan FoMO, Love of Money, dan Self Control terhadap Pengelolaan Keuangan Pribadi. Jurnal E-Bis:EkonomiBisnis, 8(2), 724–739.

Leniwati, D. … Wahyuni, E. D. (2021). Determinants theory Of Planned Behavior On Student’s Interest in Using financial Technology. Jurnal Reviu Akuntansi Dan Keuangan, 11(3), 467–482. https://doi.org/10.22219/jrak.v11i3.17903

Manapat, P. D. … Marsch, L. A. (2021). A Psychometric Analysis of the Brief Self-Control Scale Patrick. 28(2), 395–412. https://doi.org/10.1177/1073191119890021.A

Maulana, I. … Sriwigawati. (2025). Analisis Stabilitas tantangan Pengelolaan Keuangan Mahasiswa Gen Z Surabaya di tengah Inflasi dan Gaya Hidup Hedonisme. Jurnal Kajian Ilmiah Interdisipliner, 9(12), 35–42.

Ningrum, I. D. … Syahputri, A. (2025). Pengaruh Literasi Keuangan dan Cinta Uang Terhadap Perilaku Pengelolaan Keuangan Generasi Z di Indonesia : Pendapatan Sebagai Variabel Moderasi. Jurnal Ilmiah Manajemen, Bisnis Dan Kewirausahaan, 5(3), 114–128. https://doi.org/10.55606/jurimbik.v5i3.1193

Oktary, D., & Wardhani, F. I. (2023). Pengaruh Literasi Keuangan Dan E-Wallet Terhadap Perilaku Konsumtif Mahasiswa Stie Indonesia Pontianak. Jurnal Ekonomi Integra, 13(1), 11–22.

Refianti, & Zoraya, I. (2024). Pengaruh Financial Literacy, Financial Technology, Hedonism Lifestyle, dan Self-Control terhadap Financial Management Behavior Mahasiswa S1 Universitas Bengkulu. Journal of Business and Management, 103–116.

Salsabilla, S. I. … Innayah, M. N. (2022). Factors Affecting Personal Financial Management. Jurnal Manajemen Bisnis, 13(1), 168–184. https://doi.org/10.18196/mb.v13i1.13489

Satiti, N. R. … Widayat. (2024). The effect of self-control and future orientation on personal financial management behavior with income as a moderation in generation Z. Economic Sustainability and Social Equality in the Technological Era, 430–439. https://doi.org/10.1201/9781003534495-44

Septiarum, A. F. K., & Susanti. (2024). Pengaruh Literasi Keuangan , Pendapatan , dan Self Control terhadap Financial Management Behavior pada Mahasiswa . Jurnal Pendidikan Akuntansi (JPAK), 13(3), 162–169.

Sinaga, E. … Siagian, H. H. (2025). Pengaruh Penggunaan E-Wallet Terhadap Manajemen Keuangan Pribadi Mahasiswa Fakultas Ekonomi Universitas Negeri Medan. Pengaruh Penggunaan E-Wallet Terhadap Manajemen Keuangan Pribadi Mahasiswa Fakultas Ekonomi Universitas Negeri Medan, 5(1), 4408–4417.

Sirait, C. S. … Sumiati, A. (2025). Linking Financial Literacy Lifestyle And Self-Control To Personal Financial Management in Higher Education Students. Jurnal Pendidikan Ekonomi, Perkantoran, Dan Akuntansi, 6(2), 414–425. https://doi.org/https://doi.org/10.21009/jpepa.0602.16

Strömbäck, C. … Tinghög, G. (2017). Journal of Behavioral and Experimental Finance Does self-control predict financial behavior and financial well-being ? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/j.jbef.2017.04.002

Sugiyono. (2023). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.

Suprianto, A. … Ishak, I. M. (2023). Pengaruh Literasi Keuangan , Self Control Dan Implusive Buying Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Kmi -Balut. Journal of Management & Business, 6(2), 235–346.

Yang, M. … Zainol, N. R. (2021). Cashless Transactions : A Study on Intention and Adoption of e-Wallets. 13(2), 1–18. https://doi.org/https://doi.org/10.3390/su13020831


Refbacks

  • There are currently no refbacks.


e_Jurnal Ilmiah Riset Akuntansi is indexed by:

e_Jurnal Ilmiah Riset Akuntansi is licensed under a Creative Commons Attribution 4.0 International License