ANALISIS DAN DAMPAK PERILAKU KEUANGAN TERHADAP TEKANAN FINANSIAL: STUDI PADA MAHASISWA AKUNTANSI UNIVERSITAS DIAN NUSWANTORO

Nurshaf Desta  Rahmanto; Hermawan Triono; Hayu Wikan  Kinasih; Purwantoro Purwantoro

doi:10.31539/3evcnt97

Authors

Nurshaf Desta Rahmanto Universitas Dian Nuswantoro
Hermawan Triono Universitas Dian Nuswantoro
Hayu Wikan Kinasih Universitas Dian Nuswantoro
Purwantoro Purwantoro Universitas Dian Nuswantoro

DOI:

https://doi.org/10.31539/3evcnt97

Keywords:

Kualitas Pembelajaran, Efikasi Diri Finansial, Literasi Keuangan Digital, Perilaku Keuangan, Tekanan Finansial

Abstract

Penelitian ini menganalisis pengaruh kualitas pembelajaran, financial self efficacy, dan literasi keuangan digital terhadap tekanan finansial mahasiswa dengan perilaku keuangan sebagai variabel mediasi. Pendekatan kuantitatif digunakan dengan melibatkan 214 mahasiswa Akuntansi Universitas Dian Nuswantoro melalui kuesioner terstruktur. Data dianalisis menggunakan uji validitas, reliabilitas, asumsi klasik, regresi linier berganda, serta uji mediasi Sobel. Hasil menunjukkan bahwa kualitas pembelajaran, financial self efficacy, dan literasi keuangan digital berpengaruh positif signifikan terhadap perilaku keuangan. Selain itu, perilaku keuangan berpengaruh positif signifikan terhadap tekanan finansial serta memediasi hubungan antarvariabel. Temuan ini menunjukkan bahwa tekanan finansial mahasiswa tidak semata-mata dipengaruhi faktor ekonomi, tetapi juga berkaitan dengan aspek kognitif, psikologis, dan literasi digital yang tercermin dalam perilaku keuangan.

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