PENGARUH LITERASI KEUANGAN, PAPARAN MEDIA SOSIAL DAN GAYA HIDUP TERHADAP MANAJEMEN KEUANGAN DENGAN TEMAN SEBAYA SEBAGAI VARIABEL MODERASI PADA MAHASISWA KOS DI KOTA BANGKALAN
DOI:
https://doi.org/10.34125/jmp.v11i3.2515Keywords:
Literasi Keuangan, Paparan Media Sosial, Gaya Hidup, Manajemen Keuangan, Teman Sebaya, Mahasiswa KosAbstract
This study aims to analyze financial literacy, social media exposure, and lifestyle on financial management with peers as moderating variables in boarding students in Bangkalan city. The X variables in this study are financial literacy, social media exposure, and lifestyle while the Y variable in this study is financial management and the moderating variable in this study is peers. This research method uses quantitative. The population of this study is all students in Bangkalan city with a sample of 100 respondents determined using the Slovin formula and purposive sampling technique, data collection through observation and distribution of online questionnaires (Google form). Data Analysis Techniques Multiple Linear Regression Analysis and Moderated Regression Analysis (MRA) with the help of IBM SPSS statistics version 27. The results of the study indicate that financial literacy does not have a significant effect on student financial management. Social media exposure has a positive and significant effect on financial management, while lifestyle has a negative and significant effect on student financial management. Peers have no significant effect on financial management. The results of the moderation test show that peers are not able to moderate the influence of financial literacy on variable Y, but are able to weaken the influence on variable X2, and strengthen the influence of variable X3 on financial management.
References
Agustian, M., Setiawati, R., & Ihsan, M. (2025). Pengaruh Gaya Hidup, Media Sosial, Literasi Keuangan dan e-Money terhadap Perilaku Konsumtif (Studi Kasus Pada Generasi Z di Kota Jambi). Jurnal Ilmiah Universitas Batanghari Jambi, 25(1), 193. https://doi.org/10.33087/jiubj.v25i1.5785
Baalubi, H. L. O., Bailusy, M. N., & Darma, P. E. (2026). Pengaruh Literasi Keuangan dan Financial Technology Terhadap Perilaku Keuangan Pada Mahasiswa Konsentrasi Manajemen Keuangan. 5(1), 1685–1694.
Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan program IBM SPSS 25.
Haq, M. F., Bachri, S., & Sahrir. (2025). The Influence of Financial Literacy, Financial Attitude and Lifestyle on Personal Financial Management of Students at Batam International University. Journal of Management Science (JMAS), 8(2), 472–478. www.exsys.iocspublisher.org/index.php/JMAS
Hasanah, S., & Sundari, S. (2025). The Influence Of Fomo And Impulsive Buying On Students ’ Personal Financial Management Moderated By Self Control. 6(2), 767–774. https://doi.org/https://doi.org/10.37638/bima.6.2.767-774
Hatimatunnisani, H., Aryanti, S. S., Pancawati, K., Sutrisno, K. E., Hermawan, W., Hatimatunnisani, H., Aryanti, S. S., Pancawati, K., Sutrisno, K. E., & Hermawan, W. (2024). PENGARUH MEDIA SOSIAL DAN FOMO FINANSIAL TERHADAP MANAJEMEN KEUANGAN PRIBADI MAHASISWA. 3(2), 313–320.
Janah, W. I. N., & Anindya, K. N. (2026). Pengaruh Literasi Keuangan , Pengalaman Keuangan , dan Lingkungan Sosial terhadap Perilaku Keuangan. UBMJ (UPY BUSINESS AND MANAGEMENT JOURNAL), 05(01), 192–207. https://doi.org/https://doi.org/10.31316/ubmj.v5i1.8929
Karamaha, R., Bailusy, M. N., & Taslim, F. A. (2023). Pengaruh literasi keuangan, inklusi keuangan dan gaya hidup hedonisme terhadap pengelolaan keuangan mahasiswa. 20(1), 33–46.
Mamikos. (2025). Kost Murah- Bangkalan ( https://mamikos.com/kost/kost-bangkalan-murah diakses 27 januari 2025)
Mardianto, D., Afrianti, R., & Nanda, T. (2024). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Pribadi. Jurnal Pustaka Manajemen (Pusat Akses Kajian Manajemen), 4(1), 23–27. https://doi.org/10.55382/jurnalpustakamanajemen.v4i1.737
Praptiyono, K. (2021). ANALISIS KEBIJAKAN PENGEMBANGAN PENDIDIKAN (PERGURUAN TINGGI) DI INDONESIA. 64–73.
Prawesti, B. B. C., & Rispantyo. (2024). Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Pengelolaan Keuangan Mahasiswa Kos (Studi Kasus Mahasiswa Kos di Area UNISRI Surakarta). Neraca: Jurnal Ekonomi, Manajemen Dan Akuntansi, 2(10), 349–354. https://jurnal.kolibi.org/index.php/neraca/article/view/1975
Putra, R. A., Setiawati, R., & Firmansyah, F. (2024). Influence of Financial Literacy and the Use of Social Media on Personal Financial Management in Students of the Management Study Program, Faculty of Economics and Business, Jambi University. Journal of Business Studies and Mangement Review, 8(1), 77–81. https://doi.org/10.22437/jbsmr.v8i1.37006
Rudiyanto, M., & Kasanova, R. (2023). Pembentukan Karakter Mahasiswa Indonesia Melalui Pendidikan Karakter. 1(1). https://doi.org/https://doi.org/10.55606/sscj-amik.v1i1.1119
Sholehah, N. A., & Widarno, B. (2025). Balance : Jurnal Akuntansi dan Manajemen Pengaruh Media Sosial dan Perilaku Hedonisme Terhadap Pengelolaan. Balance:Jurnal Akuntansi Dan Manajemen, 4(18), 11–20.
Sugiyono. (2020). Metodologi Penelitian Kuantitatif, Kualitatif dan R & D.
Umami, N., & Maryani. (2023). PENGARUH GAYA HIDUP TERHADAP PERILAKU KONSUMTIF PADA MAHASISWA PRODI PENDIDIKAN EKONOMI UNIVERSITAS BHINNEKA PGRI SEMESTER VIII TAHUN AKADEMIK 2021 / 2022. 971–979. https://doi.org/https://doi.org/10.55681/armada.v1i9.824
Virani, H. Z., Fauziah, F., & Jamal, S. W. (2025). Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan pada Mahasiswa. MAMEN: Jurnal Manajemen, 4(3), 589–600. https://doi.org/10.55123/mamen.v4i3.6011
Wulandari, D., Muftiyanto, R. T. N., & Suyatno, A. (2024). Pengaruh Penggunaan Media Sosial, Gaya Hidup, dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa di Kota Surakarta. Jurnal Rimba : Riset Ilmu Manajemen Bisnis Dan Akuntansi, 2(3), 230–239. https://doi.org/10.61132/rimba.v2i3.1155
