PENGELOLAAN KEUANGAN MAHASISWA PTS DI JEMBER DALAM PERSPEKTIF APPLIED FINANCE: PERAN LITERASI KEUANGAN, GAYA HIDUP HEDONISME, DAN FINTECH PAYMENT

Financial management is an essential component of applied finance, particularly for university students who must make sound financial decisions amid rapid financial technology development and evolving consumption patterns. This study aims to examine the effects of financial literacy, hedonic lifestyle, and fintech payment on the financial management of private university students in Jember Regency. A quantitative research design was employed using a survey method. Data were collected through structured questionnaires administered to 100 students selected using proportionate stratified random sampling. The data were analyzed using multiple linear regression with IBM SPSS Statistics. The findings reveal that financial literacy and fintech payment have positive and significant effects on students' financial management, while hedonic lifestyle also significantly influences financial management. Simultaneously, financial literacy, hedonic lifestyle, and fintech payment significantly affect the financial management of private university students in Jember Regency. These findings highlight the importance of strengthening financial literacy and promoting responsible fintech payment usage to improve students' financial management within the context of applied finance.