Pengaruh Literasi Keuangan, Pendapatan Orang Tua dan Gaya Hidup terhadap Perilaku Keuangan Mahasiswa di Kota Makassar

Authors

  • Kurnia Ansar Sekolah Tinggi Ilmu Ekonomi Makassar Maju
  • Yusran Paris Sekolah Tinggi Ilmu Ekonomi Makassar Maju
  • Risman Risman Sekolah Tinggi Ilmu Ekonomi Makassar Maju
  • Hastina Samsi Sekolah Tinggi Ilmu Ekonomi Makassar Maju

DOI:

https://doi.org/10.61132/pajamkeu.v3i5.2578

Keywords:

Financial Behavior, Financial Literacy, Lifestyle, Makassar City, Parents’ Income

Abstract

This study aims to analyze the influence of financial literacy, parental income, and lifestyle on the financial behavior of student in Makassar City. This his research used a quantitative approach with an associative causal research type. The sample consisted of 100 respondents determined using the Slovin formula with a 10% error rate. Data were collection through online questionnaires and then analyzed using multiple linear regression techniques with the aid of SPSS software. The results show that financial literacy and parents’ income have a positive and significant effect on students’ financial behavior. Conversely, lifestyle has a negative and significant effect on students’ finansial behavior. The financial literacy variable obtained a t-value of 2.443, which is greater than the t-table 1.661, with a significance value of 0.016. Meanwhile the parental income variable has a t-value of 5.376 and the lifestyle variable is -4.981, with a significance value of 0.000. The result of the simultaneous, test show that the three independent variables together have a significant effect on students’ financial behavior, as indicated by the F-value of 43.413, which is greater than the F-tabel of 2.699, with a significance value of 0.000. In addition, the coefficient of determination (R²) value of 0.576 indicates that 57.6% of the variation in students’ financial behavior can be explained by financial literacy, parents’ income, and lifestyle, while the remaining 42.4% is influenced by other factors outside this study.

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Published

2026-10-01

How to Cite

Kurnia Ansar, Yusran Paris, Risman Risman, & Hastina Samsi. (2026). Pengaruh Literasi Keuangan, Pendapatan Orang Tua dan Gaya Hidup terhadap Perilaku Keuangan Mahasiswa di Kota Makassar . Pajak Dan Manajemen Keuangan, 3(5), 39–55. https://doi.org/10.61132/pajamkeu.v3i5.2578

Issue

Vol. 3 No. 5 (2026): Oktober: Pajak dan Manajemen Keuangan (PAJAMKEU)

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Articles

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