Literasi Keuangan, Financial Technology, dan  Perilaku Menabung Mahasiswa: Kajian Literatur

Faizal Nuril Hakim; Ari Rizal; Mangoloi Saputra; Naylufar Ashilatun Nazihah; Muhammad Akhdiyatul Aein

doi:10.69693/ijmst.v4i3.12975

Authors

Faizal Nuril Hakim Universitas Sehati Indonesia
Ari Rizal Universitas Sehati Indonesia
Mangoloi Saputra Universitas Sehati Indonesia
Naylufar Ashilatun Nazihah Universitas Sehati Indonesia
Muhammad Akhdiyatul Aein Universitas Sehati Indonesia

DOI:

https://doi.org/10.69693/ijmst.v4i3.12975

Keywords:

Literasi Keuangan, Financial Technology, Perilaku Menabung, Mahasiswa, Kabupaten Karawang

Abstract

Penelitian ini bertujuan menganalisis peran literasi keuangan dan financial technology dalam membentuk perilaku menabung mahasiswa serta memahami relevansinya bagi mahasiswa di Kabupaten Karawang. Penelitian menggunakan metode literature review dengan pendekatan deskriptif-kualitatif. Literatur dipilih dari artikel jurnal, prosiding, dan sumber akademik yang relevan dengan tiga fokus utama, yaitu literasi keuangan, financial technology, dan perilaku menabung mahasiswa. Proses kajian dilakukan melalui identifikasi, seleksi, pengelompokan, analisis, dan sintesis temuan penelitian terdahulu. Hasil kajian menunjukkan bahwa literasi keuangan berperan sebagai fondasi dalam membantu mahasiswa memahami kondisi keuangan, menentukan prioritas, mengendalikan pengeluaran, dan mengalokasikan dana untuk kebutuhan jangka panjang. Sementara itu, financial technology memberikan kemudahan akses dan sarana digital dalam melakukan transaksi, mengelola dana, serta mendukung aktivitas menabung. Namun, kemudahan teknologi juga dapat mempercepat konsumsi apabila tidak diimbangi kemampuan mengelola keuangan dan pengendalian diri. Perilaku menabung mahasiswa dengan demikian terbentuk melalui interaksi antara kemampuan finansial, lingkungan sosial, dan perkembangan teknologi keuangan. Bagi mahasiswa di Kabupaten Karawang, temuan ini menunjukkan pentingnya penguatan literasi keuangan dan kecakapan finansial digital agar layanan keuangan dapat dimanfaatkan secara produktif dan bertanggung jawab. Kajian ini merekomendasikan edukasi keuangan yang aplikatif melalui penyusunan anggaran, penetapan tujuan keuangan, pengendalian konsumsi digital, serta pemanfaatan layanan keuangan digital untuk membangun kebiasaan menabung secara konsisten dan mendukung kesiapan finansial dalam menghadapi kebutuhan jangka panjang.

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