Pengaruh Penggunaan M-Payment, Literasi Keuangan Syariah, Locus Of Control Terhadap Perilaku Keuangan Mahasiswa Muslim Surabaya Selama Pandemi Covid-19

• Main Author: Rahma, Risna Yunia, -
• Format: Theses and Dissertations NonPeerReviewed
• Language: Indonesian; Indonesian; Indonesian; Indonesian; Indonesian; Indonesian; Indonesian; Indonesian; Indonesian; Indonesian; Indonesian
• Published: 2021
• Subjects: HG1-9999 Finance
• Online Access: https://repository.unair.ac.id/112055/3/1.%20HALAMAN%20JUDUL.pdf; https://repository.unair.ac.id/112055/2/2.%20ABSTRAK.pdf; https://repository.unair.ac.id/112055/1/3.%20DAFTAR%20ISI.pdf; https://repository.unair.ac.id/112055/7/4.%20BAB%201%20PENDAHULUAN.pdf; https://repository.unair.ac.id/112055/9/5.%20BAB%202%20TINJAUAN%20PUSTAKA.pdf; https://repository.unair.ac.id/112055/5/6.%20BAB%203%20METODE%20PENELITIAN.pdf; https://repository.unair.ac.id/112055/10/7.%20BAB%204%20HASIL%20DAN%20PEMBAHASAN.pdf; https://repository.unair.ac.id/112055/4/8.%20BAB%205%20KESIMPULAN%20DAN%20SARAN.pdf; https://repository.unair.ac.id/112055/8/9.%20DAFTAR%20PUSTAKA.pdf; https://repository.unair.ac.id/112055/11/10.%20LAMPIRAN.pdf; https://repository.unair.ac.id/112055/6/11.%20PERNYATAAN%20KESEDIAA%20PUBLIKASI.pdf; https://repository.unair.ac.id/112055/; http://www.lib.unair.ac.id
• Institution: Universitas Airlangga

This study aims to obtain empirical evidence of the effect of using m-payment, Islamic financial literacy, locus of control on financial behavior. This research is a quantitative research. The data collection technique used online questionnaire to 119 Surabaya Muslim students who used m-payment. The sampling method was carried out by purposive sampling. The analysis technique used is Structural Equation Modeling-Partial Least Square (SEM-PLS). The results of this study indicate that the use of m-payment has a positive and significant effect on financial behavior, Islamic financial literacy has a positive and significant effect on financial behavior, and economic locus of control has a positive and significant effect on financial behavior. This study has implications that Islamic financial literacy is a very influential factor in supporting one’s financial behavior, where good Islamic financial literacy accompanied by the ability to make financial decisions can create a healthy financial industry. Although the level of Islamic financial literacy of Surabaya Muslim students is at a good level (well literate), it is hoped that financial industry players will continue to educate the public, especially students and realize that financial behavior is very important.