A Study of Financial Literacy in College Students

Harpa Sugiharti, Sarah Aulia Rahim, Nugraha Nugraha, Imas Purnamasari, Rika Mardiani


This study aimed to determine the financial literacy level of students of the Faculty of Economics and Business Education at the Indonesian Education University. The research method used in this research is survey and descriptive research with a quantitative approach. This study has a population of 1.681 Faculty of Economics and Business Education students at the Universitas Pendidikan Indonesia class of 2021 and 2022. This research departs from the issue of the rampant use of fintech at a productive age without being accompanied by good financial literacy skills, and it impacts lousy credit cases. The results of this study indicate that students of the Faculty of Economics and Business Education at the University of Education Indonesia are at the middle literacy level or sufficiently literate with gender does not differentiate the level of financial literacy between women and men, the region of origin does not differentiate the quality of the literacy level of students both from Java Island and outside Java Island, and an increase in the level of financial literacy accompanies students with personal income from the lowest to the highest.


Financial Literacy, Financial Knowledge, Financial Management

Full Text:



Chen, H., and Volpe, R,P., (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107-128. doi:https://doi.org/10.1016/S1057-0810(99)80006-7

Katadata Insight Center (KIC), Kredivo. (2022, Juni 2). Proporsi Jumlah Transaksi Belanja Online Berdasarkan Kelompok Umur (2020-2021). Retrieved from https://finaccel.co/

Kadir, S. A. (2020, Maret 4). Faktor - Faktor yang Mempengaruhi Minat Mahasiswa di Yogyakarta Terdahap Pinjaman Online di Cicil.Co.Id. Retrieved from https://dspace.uii.ac.id/bitstream/handle/123456789/35079/%2816312213%29%20FAKTOR%20-%20FAKTOR%20YANG%20MEMPENGARUHI%20MINAT%20MAHASI

Margaretha, F., dan Pambudhi, R,A., (2015, Maret 2). Tingkat Literasi Keuangan Pada Mahasiswa S-1 Fakultas Ekonomi Universitas Trisakti Jakarta. Jurnal Manajemen dan Kewirausahaan, Vol.17 No.1. doi:https://doi.org/10.9744/jmk.17.1.76-85


OJK.go.id. (n.d.). FAQ Fintech Lending. Retrieved from https://ojk.go.id/id/kanal/iknb/data-dan-statistik/direktori/fintech/Documents/FAQ%20Fintech%20Lending.pdf

DOI: https://doi.org/10.17509/jpak.v12i1.66642


  • There are currently no refbacks.

Creative Commons License

JPAK : Jurnal Pendidikan Akuntansi dan Keuangan  is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

View My Stats