Published: 2025-06-01
Pengaruh Spending Self-Control dan Fintech Payment Terhadap Manajemen Keuangan Pribadi (Studi Kasus: Mahasiswa Universitas Teknologi Digital)
DOI: 10.35870/jemsi.v11i3.4070
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Abstract
This study evaluates the impact of Spending Self Control and Fintech Payment on personal financial management of students at Universitas Teknologi Digital. Spending Self Control refers to an individual's ability to limit spending to avoid unplanned consumer behavior, while Fintech Payment is a means of digital financial transactions carried out via the internet. The approach applied is quantitative, with information collection techniques carried out through questionnaires. The research findings indicate that both variables contribute significantly to personal financial management, both separately and together. However, there are other elements outside the scope of this study that also play a role in influencing students' financial behavior. Therefore, further research is recommended to include a wider number of participants and consider additional variables to obtain a more in-depth picture. Students are advised to use Fintech Payment carefully, control spending in a disciplined manner, and strengthen Spending Self Control by reducing the tendency to shop impulsively and making a budget plan that is in accordance with actual needs.
Keywords
Spending Self Control ; Fintech Payment ; Personal Financial Management
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
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Issue: Vol. 12 No. 1 (2026)
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Section: Articles
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Published: %750 %e, %2025
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License: CC BY 4.0
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Copyright: © 2025 Authors
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DOI: 10.35870/jemsi.v11i3.4070
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Siti Sa’adah Khoeriyah
Program Studi Manajemen, Universitas Teknologi Digital, Jl. Cibogo No. Indah 3, Mekarjaya, Kec. Rancasari, Kota Bandung, Jawa Barat 40000.
Rola Manjaleni
Program Studi Manajemen, Universitas Teknologi Digital, Jl. Cibogo No. Indah 3, Mekarjaya, Kec. Rancasari, Kota Bandung, Jawa Barat 40000.
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