THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, HEDONIC LIFESTYLE, SOCIAL ENVIRONMENT ON THE FINANCIAL BEHAVIOR OF THOSE WHO HAVE WORKED

Abstract

The aim of this research is to determine the influence of financial literacy, financial technology, hedonic lifestyle and social environment on the financial behavior of students at the Faculty of Economics and Business, Pancasakti University, Tegal. This research uses a quantitative type of research using primary data in the form of a questionnaire. With a population of students from the Faculty of Economics and Business, Pancasakti University, Tegal, the sample obtained was 100 respondents. The data was processed using statistical data applications with the SPSS version 22 program. The results ofthis research show that Financial Literacy partially has a positive effect on Student Financial Behavior. Meanwhile, Financial Technology, Hedonic Social Lifestyle and Social Environment partially have no effect on Student Financial Behavior. The results of the Coefficient of
Determination Test show that the Financial Behavior variable can be shown by the independent variables (Financial Literacy, Financial Technology, Hedonic Lifestyle, and Social Environment) worth 0.402 or 40.2% which has the remaining 59.8% explained by other independent variables that are not included in this research.