Analysis of the Level of Financial Technology in Students of the Faculty of Economics UNCEN in 2025

Authors

  • Yensawai E. Rumbiak Jurusan Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Cenderawasih
  • Muhammad Aswad Jurusan Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Cenderawasih

DOI:

https://doi.org/10.58812/wsis.v3i06.2098

Keywords:

Financial Technology Literacy, Students, Faculty of Economics and Business, Cenderawih University, Year 2025

Abstract

The purpose of this study is to determine the basic level of understanding of financial technology literacy among students of the Faculty of Economics and Business, Cenderawasih University. The respondents in this study amounted to 100 people and all of them are active students of the Faculty of Economics and Business, Cenderawasih University. Data collection used online questionnaires and library studies. The questionnaire was designed to measure students' financial technology literacy. The data obtained were processed with descriptive statistical analysis. The results of the analysis show that in general, students of the Faculty of Economics and Business have knowledge of financial technology literacy that is in the high average category. It is hoped that the results of this study can be a source of reference for the Faculty and Cenderawasih University as well as policy makers in this case the authorities and related communication and informatics services to support programs to increase understanding of financial technology literacy for students as the next generation of the development of the nation and state. Especially students of the Faculty of Economics and Business in contributing their knowledge to the business world. It is hoped that the Faculty of Economics, Cenderawasih University and the Government can support the development of student understanding and knowledge so that it has an impact on increasing competitive MSMEs.

References

[1] M. Maswin and O. Y. Sudrajad, “Analysis of Financial Indicator Literacy Determinants on The Performance of Bandung City SMEs,” Int. J. Curr. Sci. Res. Rev., vol. 06, no. 06, pp. 3792–3804, 2023, doi: 10.47191/ijcsrr/v6-i6-68.

[2] N. Nurani, U. K. Suganda, N. Hermina, and D. Sutisna, “Human resource development of Bandung MSMEs with entrepreneurial leadership characteristic through quality leadership in global market era,” Quant. Econ. Manag. Stud., vol. 4, no. 3, pp. 594–607, 2023.

[3] J. G. Schmidt, Counseling in schools. Pearson Higher Education US, 2013.

[4] R. Pranisya, P. P. Sari, and A. Maulida, “The Effect of Financial Literacy, Technology Financial Literacy and Financial Inclusion on MSME Performance,” J. Ekon. Dan Bisnis, vol. 25, no. 2, pp. 244–255, 2024.

[5] F. Khan, M. A. Siddiqui, and S. Imtiaz, “Role of financial literacy in achieving financial inclusion: A review, synthesis and research agenda,” Cogent Bus. Manag., vol. 9, no. 1, p. 2034236, 2022.

[6] C. Chueca Vergara and L. Ferruz Agudo, “Fintech and sustainability: do they affect each other?,” Sustainability, vol. 13, no. 13, p. 7012, 2021.

[7] A. Huong, C.-H. Puah, and M.-T. Chong, “Embrace Fintech in ASEAN: A perception through Fintech adoption index,” Res. World Econ., vol. 12, no. 1, p. 1, 2021.

[8] C. B. Umetiti, A. E. Nwafor, A. E. Arachie, and A. P. Ifeme, “Digital Literacy in the Context of Small and Medium Enterprises (SMEs): A Performance Dynamics,” Int. J. Public Adm. Manag. Res., vol. 11, no. 1, pp. 1–17, 2025.

[9] S. A. Muhammad Ihsan, “Understanding the role of financial literacy, entrepreneurial literacy, and digital economic literacy on entrepreneurial creativity and MSMEs success: a knowledge-based view perspective,” Cogent Bus. Manag., vol. 11, no. 1, pp. 1–24, 2024.

[10] K. Goyal and S. Kumar, “Financial literacy: A systematic review and bibliometric analysis,” Int. J. Consum. Stud., vol. 45, no. 1, pp. 80–105, 2021.

[11] A. Lusardi and O. S. Mitchelli, “Financial literacy and retirement preparedness: Evidence and implications for financial education: The problems are serious, and remedies are not simple,” Bus. Econ., vol. 42, pp. 35–44, 2007.

[12] L. Farida, M. F. Afandi, R. A. Sularso, I. Suroso, and N. A. Putri, “How financial literacy, innovation capability, and human capital affect competitive advantage and performance: Evidence from creative MSMEs,” 2019.

[13] H. P. Chernovita, “The Role of Financial Literacy to Suppress Temptation of Using PayLater Service,” in 2020 IEEE 10th Symposium on Computer Applications & Industrial Electronics (ISCAIE), IEEE, 2020, pp. 113–117.

[14] N. Utami, “Analysis of the Use of Financial Technology and Financial Literacy Among MSMEs,” MBIA, vol. 22, no. 1, pp. 11–21, 2023.

[15] I. Humaira and E. M. Sagoro, “Pengaruh Pengetahuan Keuangan, Sikap Keuangan, Dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pada Pelaku Umkm Sentra Kerajinan Batik Kabupaten Bantul,” Nominal, Barom. Ris. Akunt. dan Manaj., vol. 7, no. 1, 2018, doi: 10.21831/nominal.v7i1.19363.

[16] F. A. Simange, I. S. Saerang, and J. B. Maramis, “Pengaruh Pengetahuan Keuangan Terhadap Pengelolaan Karyawan Single Di Kota Manado Dengan Love of Money Sebagai Variabel Intervening,” J. Emba J. Ris. Ekon. Manajemen, Bisnis dan Akunt., vol. 10, no. 1, pp. 471–480, 2022.

[17] H. Chen and R. P. Volpe, “An Analysis of Personal Financial Literacy Among College Students,” Financ. Serv. Rev., vol. 7, no. 2, pp. 107–128, 1998, doi: 10.1016/s1057-0810(99)80006-7.

[18] A. Meinarni, S. Pascalina, R. Siti, and P. Yeniva, “Pelatihan Pencatatan Akuntansi Berbasis Aplikasi Fintech Bagi Pelaku UMKM Penjual Pinang Mama Mama Papua di Kelurahan Entrop Kota Jayapura Meinarni Asnawi, Pascalina V.S. Sesa, Siti Rofingatun, Yeniva Pahabol,” Community Engagem. J., vol. 7, no. 2, pp. 583–596, 2024.

Downloads

Published

2025-06-30

How to Cite

Analysis of the Level of Financial Technology in Students of the Faculty of Economics UNCEN in 2025 (Y. E. Rumbiak & M. . Aswad , Trans.). (2025). West Science Interdisciplinary Studies, 3(06), 1051-1057. https://doi.org/10.58812/wsis.v3i06.2098