The Effect Of Financial Literacy, Self-Management And Use Of Financial Technology On Financial Readiness Through Self-Competency As An Intervening Variable On Students Of The Faculty Of Economics And Business, State University Of Makassar
Keywords:
Financial Literacy, Self-Management, Financial Technology, Financial Readiness, Self-Competence.
Abstract
The purpose of this study was to understand the influence of financial literacy, self-management, and the use of financial technology on financial readiness, with self-competence acting as an intervening variable in students at the Faculty of Economics and Business, Makassar State University. The approach used was quantitative with a descriptive research type. The study population included 2,550 active students from the 2022 and 2023 intakes at the faculty, with a sample of 346 respondents. Data were collected through a structured questionnaire and analyzed using the Partial Least Square–Structural Equation Modeling (PLS-SEM) method. The results showed that financial literacy, self-management, and the use of financial technology had a positive and significant influence on students' self-competence, which in turn was shown to have a positive and significant influence on their financial readiness. Self-competence was shown to act as a significant intervening variable in the relationship between financial literacy, self-management, and the use of financial technology on students' financial readiness.
References
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Bongomin, G. O. C., & Ntayi, J. M. (2023). Fintech adoption and individual financial capability: Evidence from developing economies. Journal of Global Information Management, 31(2), 1–19. https://doi.org/10.4018/JGIM.20230401.oa1
Brida, L. M., Susanti, P., & Farida Panduwinata, L. (2024). Peran self-efficacy dalam memediasi kompetensi diri terhadap kesiapan mahasiswa dalam menghadapi dunia kerja pada mahasiswa pendidikan administrasi perkantoran. In Jurnal Keguruan dan Ilmu Pendidikan) (Vol. 5, Issue 3).
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http://www.journal.ainarapress.org/index.php/lms/article/view/892
Fauzan, M., & Rahim, A. (2025). Self-management, consistency of behavior, and competence development among young adults. Journal of Behavioral Finance, 26(1), 88–99. https://doi.org/10.1080/15427560.2024.2341987
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Hendrawan, T., Kusuma, R., & Lestari, D. (2025). Pengaruh teknologi finansial terhadap kesiapan finansial mahasiswa. Jurnal Manajemen dan Keuangan Digital, 6(1), 45–60.
Hidayat, R., Santoso, B., & Maulana, F. (2024). Financial literacy and financial readiness among university students: The role of income constraints. Journal of Financial Education, 50(2), 145–160.
Kurniawan, A., & Lestari, D. (2025). Financial behavior, social environment, and students’ financial preparedness. Journal of Behavioral and Experimental Finance, 35, 100693. https://doi.org/10.1016/j.jbef.2024.100693
Lestari, D., Purnomo, R., & Siregar, A. (2024). Financial preparedness and self-management skills among higher education students. International Journal of Financial Studies, 12(2), 45. https://doi.org/10.3390/ijfs12020045
Lusardi, A., & Mitchell, O. S. (2023). The importance of financial literacy: Opening a new field. American Economic Review, 113(5), 1273–1290. https://doi.org/10.1257/aer.113.5.1273
Meena, P. (2023). Fintech evolution and its impact on financial services. Journal of Financial Innovation, 9(1), 45-58.
Nugroho, A., Wibowo, T., & Hartati, S. (2024). Self-regulation, self-management, and competence development in emerging adults. Journal of Adult Development, 31(3), 214–226. https://doi.org/10.1007/s10804-024-09412-6
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Park, S., & Kim, H. (2019) Development and validation of a self-management scale for college students. Journal of Adolescence, 73, 115–123. https://doi.org/10.1016/j.adolescence.2019.04.007
Pradana, R. A., & Wulandari, S. (2024). Financial literacy and financial readiness of Generation Z students. Jurnal Keuangan dan Perbankan, 28(1), 67–81. https://doi.org/10.26905/jkdp.v28i1.10234
Pramedi, A. D., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya. Jurnal Ilmu Manajemen, 9(2), 572–586
Prasetyo, R., & Hidayat, M. (2023). Peran kompetensi diri dalam memediasi hubungan antara regulasi perilaku dan kesiapan finansial. Jurnal Ilmu Manajemen, 11(3), 210–225.
Putra, R. A., & Salsabila, N. (2025). Digital financial behavior and financial preparedness of Generation Z. Journal of Financial Behavior and Risk Management, 9(1), 41–55.
Putri, A. D., Sari, M. P., & Wahyuni, N. (2024). The impact of fintech usage on students’ financial readiness: The moderating role of financial literacy. International Journal of Financial Studies, 12(3), 78. https://doi.org/10.3390/ijfs12030078
Putri, A., & Nugroho, B. (2020). Pengaruh pengendalian diri terhadap kesiapan finansial melalui kompetensi diri. Jurnal Manajemen Keuangan, 8(2), 101–115.
Putri, N. A., & Handayani, S. (2025). Financial literacy, financial behavior, and financial preparedness among young adults. International Journal of Financial Studies, 13(1), 22. https://doi.org/10.3390/ijfs13010022
Rahmadani, N., Hapsari, R., & Setiawan, D. (2023). Self-management skills and financial preparedness among college students. International Journal of Financial Research, 14(4), 98–109. https://doi.org/10.5430/ijfr.v14n4p98
Rahman, M., Sarker, M. N. I., & Hossain, M. A. (2023). Financial knowledge and personal competence of young adults: Evidence from emerging economies. Journal of Economic and Administrative Sciences, 39(4), 742–758. https://doi.org/10.1108/JEAS-03-2022-0047
Rahmawati, L., & Nugroho, A. (2023). Digital financial services and financial behavior of young adults. Asian Journal of Economics and Banking, 7(2), 129–145. https://doi.org/10.1108/AJEB-01-2023-0005
Ramdhan, I. F., & Putri, D. S. (2022). Manajemen transformasi digital berkelanjutan di pendidikan tinggi: Tren analisis internasional. Prosiding Seminar Nasional Ekonomi Digital, 2(1), 90–102.
https://prosiding.senakota.nusaputra.ac.id/index.php/prosiding/article/view/41
Rijal, S. (2023). The Importance of Community Involvement in Public Management Planning and Decision-Making Processes. Journal of Contemporary Administration and Management (ADMAN), 1(2), 84–92. https://doi.org/10.61100/adman.v1i2.27
Rijal, S., Judijanto, L., & Mardiah, A. (2025). Green HRM and Corporate Sustainability: A Bibliometric Perspective. Sustainable Development Insights, 1(02), 1–13. https://doi.org/10.58812/sdi.v2i01.1787
Rizkynanda, M. R. (2025). Literasi keuangan, perilaku pengelolaan keuangan, dan kesiapan finansial mahasiswa: Peran kompetensi diri sebagai variabel mediasi. Jurnal Keuangan dan Perbankan, 29(1), 45–58.
Salsabila, N., & Prasetyo, A. (2024). Financial technology, self-control, and financial preparedness of Generation Z. Journal of Behavioral Finance, 25(4), 412–425. https://doi.org/10.1080/15427560.2024.2298714
Saputra, A., Yuliana, R., & Pratiwi, L. (2024). Financial literacy and financial preparedness: Evidence from Indonesian university students. Jurnal Manajemen dan Kewirausahaan, 26(2), 201–214. https://doi.org/10.9744/jmk.26.2.201-214
Sari, D. P., Wahyuni, S., & Nugroho, A. (2022). Financial literacy and financial behavior of college students. Journal of Asian Finance, Economics and Business, 9(4), 145–154. https://doi.org/10.13106/jafeb.2022.vol9.no4.0145
Setiawan, S., & Yusnaini, Y. (2021). Pengaruh Locus Of Control dan Kompetensi Diri terhadap Kesiapan Kerja Mahasiswa. Edukatif: Jurnal Ilmu Pendidikan, 3(6), 3962–3974. https://doi.org/10.31004/edukatif.v3i6.1357
Sindi, A., & Ryanto, B. (2025). Teknologi finansial dan kesiapan finansial mahasiswa: Peran mediasi kompetensi diri. Jurnal Ekonomi dan Bisnis Digital, 4(1), 1–15.
Spencer, L. M., & Spencer, S. M. (1993). Competence at Work: Models for Superior Performance. New York: John Wiley & Sons.
Suryadi, N., & Allyah, N. N. (2023). Analysis of Financial Self-Efficacy Mediating The Influence of Financial Literacy, Financial Attitude on Financial Management Behavior in Waserda MSMEs in Pangkalan Lesung District. Proceedings of International Conference on Business Management and Accounting, 2(1), 179–192.
Tang, N., & Baker, A. (2016). Self-management and financial self-efficacy: Implications for financial behavior. Journal of Financial Counseling and Planning, 27(2), 123–135.
Utami, S. R., & Prasetyo, A. (2024). Financial literacy and self-competence development among college students. Jurnal Ekonomi dan Pendidikan, 21(1), 67–81. https://doi.org/10.21831/jep.v21i1.7356
Wijanarko, A. (2025). Peran literasi keuangan dalam memoderasi pengaruh teknologi finansial terhadap kesiapan finansial. Jurnal Riset Manajemen, 9(1), 15–29.
Wijaya, T., & Nuringsih, K. (2024). Financial literacy, financial behavior, and financial readiness among university students. International Journal of Social Economics, 51(3), 389–404. https://doi.org/10.1108/IJSE-05-2023-0357
Wulandari, A., Aladawiyah, R., & Syahwildan, R. (2025). Pengaruh literasi keuangan terhadap minat investasi generasi muda di pasar modal Indonesia. Manuhara: Jurnal Ekonomi dan Bisnis, 6(1), 23–31. https://journal.arimbi.or.id/index.php/Manuhara/article/view/2028
Wulansari, D. (2023). Regulasi diri dan financial self-efficacy dalam pengelolaan keuangan mahasiswa. Jurnal Manajemen dan Keuangan, 12(1), 45–58.
Xiao, J. J., & O’Neill, B. (2024). Financial education and financial well-being: New perspectives on financial preparedness. Journal of Consumer Affairs, 58(1), 3–25. https://doi.org/10.1111/joca.12542
Yusuf, M., & Kurniawan, A. (2025). Self-control, financial behavior, and financial preparedness of young adults. Journal of Behavioral and Experimental Finance, 36, 100742. https://doi.org/10.1016/j.jbef.2025.100742
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Afif, M., & Pratama, R. (2025). Exploring Financial Literacy of Indonesian Generation Z: A Systematic Literature Review and Future Research Agenda. In JPI: Jurnal Pemuda Indonesia (Vol. 1, Issue 2). Pemberdayaan Pemuda 1.
Akims, M. A., & Jagongo, A. (2017). Financial Literacy and Its Impact on Investment Decisions in Nigeria: A Theoretical Perspective. International Journal of Scientific Research and Innovative Technology, 4(11), 18–24
Almeida, F., Duarte Santos, J., & Monteiro, J. A. (2023). The role of financial technology in developing financial skills among young adults. International Journal of Financial Studies, 11(4), 132. https://doi.org/10.3390/ijfs11040132
Amalia, R., & Husein, F. (2023). Self-management and self-competence of university students in financial decision-making. Journal of Educational and Social Research, 13(6), 112–121. https://doi.org/10.36941/jesr-2023-0147
Ampa, A. T., Rijal, S., To Tadampali, A. C., Nurwahida, N., & Purnamasari, W. (2026). Entrepreneurial Mindset of Generation Z: The Role of Self-Efficacy and Achievement Motivation in Entrepreneurship Education. Jurnal Pendidikan Progresif, 16(1), 367–383. https://doi.org/10.23960/jpp.v16i1.pp367-383
Ananda, R., Fitria, D., & Maulana, I. (2024). Financial literacy and self-competence among university students: The role of experiential learning. Jurnal Manajemen dan Keuangan, 13(2), 156–170. https://doi.org/10.33059/jmk.v13i2.8123
Arofah, A. A., & Kurniawati, R. (2021). Pengaruh literasi keuangan dan self-efficacy terhadap perilaku keuangan. Pamulang Business Journal, 1(1), 11–20. https://doi.org/10.54199/pjeb.v1i1.11
Babiarz, P., & Robb, C. A. (2021). Financial preparedness of young adults: Factors and measurement. Journal of Financial Counseling and Planning, 32(1), 150–161.
Bongomin, G. O. C., & Ntayi, J. M. (2023). Fintech adoption and individual financial capability: Evidence from developing economies. Journal of Global Information Management, 31(2), 1–19. https://doi.org/10.4018/JGIM.20230401.oa1
Brida, L. M., Susanti, P., & Farida Panduwinata, L. (2024). Peran self-efficacy dalam memediasi kompetensi diri terhadap kesiapan mahasiswa dalam menghadapi dunia kerja pada mahasiswa pendidikan administrasi perkantoran. In Jurnal Keguruan dan Ilmu Pendidikan) (Vol. 5, Issue 3).
Chen, H., & Volpe, R. P. (2018). Digital financial services and financial capability among young adults. International Journal of Consumer Studies, 42(5), 512–520.
Chong, L. L., Ong, H. B., & Tan, S. H. (2024). Financial technology usage and personal competence of university students. Education and Information Technologies, 29(3), 3567–3585. https://doi.org/10.1007/s10639-023-12041-9
Effendy, A. A., & Sunarsi, D. (2025). Transformasi keuangan Islam dalam era fintech dan blockchain: Tinjauan bibliometrik. LMS: Jurnal Manajemen dan Sains, 3(1), 88–104.
http://www.journal.ainarapress.org/index.php/lms/article/view/892
Fauzan, M., & Rahim, A. (2025). Self-management, consistency of behavior, and competence development among young adults. Journal of Behavioral Finance, 26(1), 88–99. https://doi.org/10.1080/15427560.2024.2341987
Gilang Puspita & Isnalita. (2019). Financial Literacy: Pengetahuan, Kepercayaan Diri dan Perilaku Keuangan Mahasiswa Akuntansi. RISET & Jurnal Akuntansi, 3(2), 117.
Goyal, K., & Kumar, S. (2024). Fintech adoption and self-perceived financial competence among youth. Journal of Financial Services Marketing, 29(1), 89–101. https://doi.org/10.1057/s41264-023-00178-6
Hani, F., Sugianto, S., & Nasution, M. I. P. (2025). Risk Management of Cash Withdrawal Services through Fintech Friends among Gen Z. Indonesian Journal of Innovation Studies, 26(3). https://doi.org/10.21070/ijins.v26i3.1408
Harahap, D. A. (2021). Faktor psikologis sebagai mediator pengaruh literasi keuangan terhadap kesiapan finansial individu. Jurnal Ekonomi dan Bisnis, 24(3), 301–312.
Hendrawan, T., Kusuma, R., & Lestari, D. (2025). Pengaruh teknologi finansial terhadap kesiapan finansial mahasiswa. Jurnal Manajemen dan Keuangan Digital, 6(1), 45–60.
Hidayat, R., Santoso, B., & Maulana, F. (2024). Financial literacy and financial readiness among university students: The role of income constraints. Journal of Financial Education, 50(2), 145–160.
Kurniawan, A., & Lestari, D. (2025). Financial behavior, social environment, and students’ financial preparedness. Journal of Behavioral and Experimental Finance, 35, 100693. https://doi.org/10.1016/j.jbef.2024.100693
Lestari, D., Purnomo, R., & Siregar, A. (2024). Financial preparedness and self-management skills among higher education students. International Journal of Financial Studies, 12(2), 45. https://doi.org/10.3390/ijfs12020045
Lusardi, A., & Mitchell, O. S. (2023). The importance of financial literacy: Opening a new field. American Economic Review, 113(5), 1273–1290. https://doi.org/10.1257/aer.113.5.1273
Meena, P. (2023). Fintech evolution and its impact on financial services. Journal of Financial Innovation, 9(1), 45-58.
Nugroho, A., Wibowo, T., & Hartati, S. (2024). Self-regulation, self-management, and competence development in emerging adults. Journal of Adult Development, 31(3), 214–226. https://doi.org/10.1007/s10804-024-09412-6
OJK. (2024). Survei Nasional Literasi dan Inklusi Keuangan. https://www.ojk.go.id
Park, S., & Kim, H. (2019) Development and validation of a self-management scale for college students. Journal of Adolescence, 73, 115–123. https://doi.org/10.1016/j.adolescence.2019.04.007
Pradana, R. A., & Wulandari, S. (2024). Financial literacy and financial readiness of Generation Z students. Jurnal Keuangan dan Perbankan, 28(1), 67–81. https://doi.org/10.26905/jkdp.v28i1.10234
Pramedi, A. D., & Haryono, N. A. (2021). Pengaruh Financial Literacy, Financial Knowledge, Financial Attitude, Income dan Financial Self Efficacy terhadap Financial Management Behavior Entrepreneur Lulusan Perguruan Tinggi di Surabaya. Jurnal Ilmu Manajemen, 9(2), 572–586
Prasetyo, R., & Hidayat, M. (2023). Peran kompetensi diri dalam memediasi hubungan antara regulasi perilaku dan kesiapan finansial. Jurnal Ilmu Manajemen, 11(3), 210–225.
Putra, R. A., & Salsabila, N. (2025). Digital financial behavior and financial preparedness of Generation Z. Journal of Financial Behavior and Risk Management, 9(1), 41–55.
Putri, A. D., Sari, M. P., & Wahyuni, N. (2024). The impact of fintech usage on students’ financial readiness: The moderating role of financial literacy. International Journal of Financial Studies, 12(3), 78. https://doi.org/10.3390/ijfs12030078
Putri, A., & Nugroho, B. (2020). Pengaruh pengendalian diri terhadap kesiapan finansial melalui kompetensi diri. Jurnal Manajemen Keuangan, 8(2), 101–115.
Putri, N. A., & Handayani, S. (2025). Financial literacy, financial behavior, and financial preparedness among young adults. International Journal of Financial Studies, 13(1), 22. https://doi.org/10.3390/ijfs13010022
Rahmadani, N., Hapsari, R., & Setiawan, D. (2023). Self-management skills and financial preparedness among college students. International Journal of Financial Research, 14(4), 98–109. https://doi.org/10.5430/ijfr.v14n4p98
Rahman, M., Sarker, M. N. I., & Hossain, M. A. (2023). Financial knowledge and personal competence of young adults: Evidence from emerging economies. Journal of Economic and Administrative Sciences, 39(4), 742–758. https://doi.org/10.1108/JEAS-03-2022-0047
Rahmawati, L., & Nugroho, A. (2023). Digital financial services and financial behavior of young adults. Asian Journal of Economics and Banking, 7(2), 129–145. https://doi.org/10.1108/AJEB-01-2023-0005
Ramdhan, I. F., & Putri, D. S. (2022). Manajemen transformasi digital berkelanjutan di pendidikan tinggi: Tren analisis internasional. Prosiding Seminar Nasional Ekonomi Digital, 2(1), 90–102.
https://prosiding.senakota.nusaputra.ac.id/index.php/prosiding/article/view/41
Rijal, S. (2023). The Importance of Community Involvement in Public Management Planning and Decision-Making Processes. Journal of Contemporary Administration and Management (ADMAN), 1(2), 84–92. https://doi.org/10.61100/adman.v1i2.27
Rijal, S., Judijanto, L., & Mardiah, A. (2025). Green HRM and Corporate Sustainability: A Bibliometric Perspective. Sustainable Development Insights, 1(02), 1–13. https://doi.org/10.58812/sdi.v2i01.1787
Rizkynanda, M. R. (2025). Literasi keuangan, perilaku pengelolaan keuangan, dan kesiapan finansial mahasiswa: Peran kompetensi diri sebagai variabel mediasi. Jurnal Keuangan dan Perbankan, 29(1), 45–58.
Salsabila, N., & Prasetyo, A. (2024). Financial technology, self-control, and financial preparedness of Generation Z. Journal of Behavioral Finance, 25(4), 412–425. https://doi.org/10.1080/15427560.2024.2298714
Saputra, A., Yuliana, R., & Pratiwi, L. (2024). Financial literacy and financial preparedness: Evidence from Indonesian university students. Jurnal Manajemen dan Kewirausahaan, 26(2), 201–214. https://doi.org/10.9744/jmk.26.2.201-214
Sari, D. P., Wahyuni, S., & Nugroho, A. (2022). Financial literacy and financial behavior of college students. Journal of Asian Finance, Economics and Business, 9(4), 145–154. https://doi.org/10.13106/jafeb.2022.vol9.no4.0145
Setiawan, S., & Yusnaini, Y. (2021). Pengaruh Locus Of Control dan Kompetensi Diri terhadap Kesiapan Kerja Mahasiswa. Edukatif: Jurnal Ilmu Pendidikan, 3(6), 3962–3974. https://doi.org/10.31004/edukatif.v3i6.1357
Sindi, A., & Ryanto, B. (2025). Teknologi finansial dan kesiapan finansial mahasiswa: Peran mediasi kompetensi diri. Jurnal Ekonomi dan Bisnis Digital, 4(1), 1–15.
Spencer, L. M., & Spencer, S. M. (1993). Competence at Work: Models for Superior Performance. New York: John Wiley & Sons.
Suryadi, N., & Allyah, N. N. (2023). Analysis of Financial Self-Efficacy Mediating The Influence of Financial Literacy, Financial Attitude on Financial Management Behavior in Waserda MSMEs in Pangkalan Lesung District. Proceedings of International Conference on Business Management and Accounting, 2(1), 179–192.
Tang, N., & Baker, A. (2016). Self-management and financial self-efficacy: Implications for financial behavior. Journal of Financial Counseling and Planning, 27(2), 123–135.
Utami, S. R., & Prasetyo, A. (2024). Financial literacy and self-competence development among college students. Jurnal Ekonomi dan Pendidikan, 21(1), 67–81. https://doi.org/10.21831/jep.v21i1.7356
Wijanarko, A. (2025). Peran literasi keuangan dalam memoderasi pengaruh teknologi finansial terhadap kesiapan finansial. Jurnal Riset Manajemen, 9(1), 15–29.
Wijaya, T., & Nuringsih, K. (2024). Financial literacy, financial behavior, and financial readiness among university students. International Journal of Social Economics, 51(3), 389–404. https://doi.org/10.1108/IJSE-05-2023-0357
Wulandari, A., Aladawiyah, R., & Syahwildan, R. (2025). Pengaruh literasi keuangan terhadap minat investasi generasi muda di pasar modal Indonesia. Manuhara: Jurnal Ekonomi dan Bisnis, 6(1), 23–31. https://journal.arimbi.or.id/index.php/Manuhara/article/view/2028
Wulansari, D. (2023). Regulasi diri dan financial self-efficacy dalam pengelolaan keuangan mahasiswa. Jurnal Manajemen dan Keuangan, 12(1), 45–58.
Xiao, J. J., & O’Neill, B. (2024). Financial education and financial well-being: New perspectives on financial preparedness. Journal of Consumer Affairs, 58(1), 3–25. https://doi.org/10.1111/joca.12542
Yusuf, M., & Kurniawan, A. (2025). Self-control, financial behavior, and financial preparedness of young adults. Journal of Behavioral and Experimental Finance, 36, 100742. https://doi.org/10.1016/j.jbef.2025.100742
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Published
2026-06-16
How to Cite
Muliana, Syamsu Rijal, Ika Wisudawaty, Nurjannah, & Andi Caezar To Tadampali. (2026). The Effect Of Financial Literacy, Self-Management And Use Of Financial Technology On Financial Readiness Through Self-Competency As An Intervening Variable On Students Of The Faculty Of Economics And Business, State University Of Makassar. International Journal of Business and Quality Research, 4(02), 828-948. https://doi.org/10.63922/ijbqr.v4i02.4432
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