Pengaruh Inklusi Keuangan Literasi Keuangan Dan Love Of Money Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Dalam Penggunaan E-Commerce Shopee

Abstract

This study aims to determine the effect of financial inclusion, financial literacy and on students' personal financial management in using shopee e-commerce partially or simultaneously. Financial inclusion should provide financial services that are in accordance with the needs and must increase financial literacy knowledge in order to make good decisions and improve ethical perceptions of love of money towards a more positive direction. The data collection method in this study uses primary data obtained from the results of filling out questionnaires distributed via google from to respondents and secondary data obtained from literature and journals related to this research. The population of this study were active students of Universitas Muhammadiyah Bandung 2023, totaling 5,921 people. This research was conducted at Universitas Muhammadiyah Bandung using the probability sampling technique method, namely proportionate stratified random sampling using the Slovin formula so that the sample size was 400 respondents. The data analysis method used is instrument quality test, multiple linear regression analysis, classical assumption test, and hypothesis testing with the help of SPSS ver.25. Based on the results of the study, it shows that the majority of Muhammadiyah University students are aged 18 to 25 years and more women than men. The variables of financial inclusion, financial literacy and love of money partially and simultaneously have a positive and significant effect on students' personal financial management in the use of shopee e-commerce, if the level of financial inclusion, financial literacy and love of money increases, students' personal financial management will be better.