Analisis Pengaruh Pendapatan, Pengalaman Keuangan, Gaya Hidup, Dan Literasi Keuangan Terhadap Pengelolaan Keuangan Mahasiswa Magang Dalam Program Magang Dan Studi Independen Bersertifikat Di Indonesia

Abstract

This study aims to analyze whether income, financial experience, financial style, and financial literacy affect the financial management of intern students in certified internship and independent study programs in Indonesia. This type of research is associative quantitative. This study was conducted online through a questionnaire on intern students in certified internship and independent study programs in Indonesia from December 2024 to January 2025. The data was processed using the SPSS application. The method used to collect data in this study was through a questionnaire distributed in the form of a google form. The number of samples used was 100 student samples taken through cluster random sampling with the Slovin formula. The analysis techniques used were descriptive statistical analysis, and linear multiple regression analysis. The results of this study indicate that partially, income and financial experience have a partial and significant positive effect on financial management, while lifestyle and financial literacy have a partial but not significant positive effect on financial management in intern students in Certified Internship and Independent Study programs in Indonesia.