PENGARUH FINANCIAL PLANNING TECHNOLOGY DAN LINGKUNGAN SOSIAL TERHADAP PERILAKU KEUANGAN MAHASISWA

This research aims to analyze how the implementation of technology in financial planning and social environemtal aspects affect the financial behavior of students. Using a quantitative method by conducting a survey and distributing questionnaires to 119 students from various universities in Malang City using purposives sampling techniques. The collected data was analyzed using multiple linear regression analysis to examine the relationship between the independent variables (financial planning technology and social environment) and the dependent variable (financial behavior). The results of the analysis show that financial planning technology has a significant positive influence on student financial behavior. The more students use technology in financial planning, the better their financial behavior. However, the results indicate that the social environment does notaffects students financial behavior. Referring to the individual perception of how important individuals can support or oppose vertain behaviors.