PENGARUH FINANCIAL TECHNOLOGY, FINANCIAL LITERACY, DAN HEDONISM LIFESTYLE TERHADAP PENGELOLAAN KEUANGAN SISWA SMKN 4 SURABAYA

Abstract

This research aims to determine the influence of financial technology, financial
literacy, and hedonism on the financial management of students at SMKN 4
Surabaya. This type of research is ex-post facto research with research subjects,
namely class XI students majoring in financial and institutional accounting at
SMKN 4 Surabaya, totaling 102 students. The sampling technique used was
purposive sampling with a total of 64 students. The data analysis technique uses
multiple linear regression analysis with SPSS 25 software. The research results
show that (1) financial technology, financial literacy, and a hedonistic lifestyle
simultaneously have a significant effect on students' financial management. (2)
Financial technology has a positive and significant effect on students' financial
management. (3) Financial literacy has a positive and significant effect on students'
financial management. (4) The hedonism lifestyle has a positive and significant
effect on students' financial management. The adjusted R square value in this study
was 50.5%, which means that the contribution of financial technology, financial
literacy, and a hedonism lifestyle to students' financial management was 50.5%,
while the remaining 49.5% was influenced by other variables outside of this
research.