The Influence of Double-Date Promotional Events and Financial Technology Literacy on Students' Financial Management Behavior: The Mediating Role of Self-Control
Abstract
The rapid growth of e-commerce and digital financial services has transformed students' purchasing behavior, particularly during double-date promotional events. Although previous studies have extensively examined promotional campaigns, financial technology literacy, and consumer behavior, limited evidence explains how these factors jointly influence students' Financial Management Behavior through the mediating role of Self-Control. Therefore, this study investigates the effects of Double-Date Promotional Events and Financial Technology Literacy on students' Financial Management Behavior, with Self-Control serving as an intervening variable. This study employed a quantitative research design involving Management students at Universitas Muhammadiyah Sumatera Utara. The sample was determined using the Slovin formula, and data were collected through structured questionnaires. The proposed research model was analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results indicate that Double-Date Promotional Events, Financial Technology Literacy, and Self-Control significantly influence students' Financial Management Behavior. In addition, Double-Date Promotional Events and Financial Technology Literacy significantly affect Self-Control, which further mediates their relationships with Financial Management Behavior. These findings demonstrate that students' financial management is influenced not only by external promotional stimuli but also by digital financial capability and individual self-regulation.This study contributes to the literature by integrating Double-Date Promotional Events, Financial Technology Literacy, and Self-Control into a single conceptual framework explaining students' Financial Management Behavior. The findings also provide practical implications for universities and digital financial service providers in strengthening financial literacy and promoting responsible financial decision-making among university students.
Keywords:
Sales promotion event twin dates, financial technology literacy, self control, financial management behavior
References
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Chen, J. V, Ruangsri, S., Ha, Q. A., & Widjaja, A. E. (2022). An experimental study of consumers’ impulse buying behaviour in augmented reality mobile shopping apps. Behaviour & Information Technology, 41(2), 1–22. https://doi.org/https://doi.org/10.1080/0144929X.2021.1987523?urlappend=%3Futm_source%3Dresearchgate.net%26utm_medium%3Darticle
Chen, Y., & Zhang, D. (2022). How does digital finance affect green total factor productivity? A perspective of financial inclusion. Journal of Cleaner Production, 348, 131348. https://doi.org/https://doi.org/10.1016/j.jclepro.2022.131348
Clarence, J., & Pertiwi, D. (2023). Financial Management Behavior Among Students : The Influence Of Digital Financial Literacy. Internasional Journal of Financial and Investment Studies (IJFIS, 4(1), 9–16. https://doi.org/https://doi.org/10.9744/ijfis.2.1.9-16
Dheku, M. E., & Goa, L. (2023). Pengaruh Online Shop pada E-Commerce Lazada Terhadap Perilaku Konsumtif Mahasiswa Pastoral di Asrama Paulus. In Theos Jurnal Pendidikan Dan Theologi, 3(12), 322–329. https://doi.org/https://doi.org/10.56393/intheos.v3i12.1938
Dzakiyyah, A., Saptono, A., & Pratama, A. (2022). The Effect Of Financial Literacy And Self-Control On The Consumptive Behavior Of State Senior High. Transekonomika : Akuntansi, Bisnis Dan Keuangan, 2(6), 71–82.
Fadiyah, N. L., & Widodo, H. (2024). Financial Technology and Literacy Shaping Students’ Financial Management with Digital Literacy. Indonesian Journal of Law and Economics Review, 19(4).
Faramida, H. N., Sabandi, M., & Octoria, D. (2023). The Influence of Financial Literacy, M-Banking Services on Saving Behavior Moderated by Gender and Self-Control. Economic Education Analysis Journal, 12(3), 199–211. https://doi.org/https://doi.org/10.15294/eeaj.v12i3.74210
Feralda, M., Hafidzi, A. H., & Samsuryaningrum, I. P. (2023). The Influence of Financial Attitude , Self Control , and Hedonism Style on Financial Management Behavior of Student Shopee Paylater Users in Jember District. Budapest Internasional Research and Critics Institute-Journal (BIRCI-JOURNAL), 1169–1182. https://doi.org/https://doi.org/10.33258/birci.v6i2.7606
Giovanni, E. H., & Hartini, S. (2023). Effect of Twin Date Events on Online Implusive Buying of Shopee Users in Surabaya. Journal of Management & Business. https://doi.org/https://doi.org/10.37531/sejaman.v6i2.5363
Griffin, S. A., & Sibilang, N. P. (2022). The Influence of Financial Attitude and Financial Knowledge on Financial Management Behavior Moderated by Locus of Control in Generation Z Pengaruh Financial Attitude dan Financial Knowledge Terhadap Financial Management Behavior di Moderasi oleh Locus of. Jurnal Multidisiplin Madani (MUDIMA), 2(12), 4141–4150.
Hair, J. F. (2023). Advanced Issues in Partial Least Squares Structural Equation Modeling. SAGE Publications Inc.
Hasta, N., Salam, S., Nurjannah, N., Rahman, A., & Ansar, A. (2024). Pengaruh Ulasan Online Dan Tagline Gratis Ongkir Terhadap Minat Pembelian E-Commerce Pada Mahasiswa Sinjai. Jurnal Lembaga Keuangan, Ekonomi Dan Bisnis Islam, 6(1), 15–26.
Jufrizen, J., & Noor, T. F. (2022). Pengaruh Motivasi Kerja Dan Iklim Organisasi Terhadap Kinerja Karyawan Dimediasi Organization Citizenship Behavior. Jurnal Aktual, 20(1), 1–16. https://doi.org/https://doi.org/10.47232/aktual.v20i1.144
Kartika, R., Mayuni, I., & Damayanthy, D. (2024). Pengaruh Promo Harbolnas Terhadap Pembelian Impulsif di Shopeepay. Economic Reviews Journal, 3, 1571–1586.
Mansyur, A., Oktaviany, M., Ali, E. M. T. B. E., & Makatita, A. R. (2023). Research Trend On Fintech Adoption Over the Years: A Bibliometric Analysis. LAA MAISYIR Jurnal Ekonomi Islam, 10(2), 217–241. https://doi.org/http://dx.doi.org/10.24252/lamaisyir.v10i2.39201
Mawardani, F., & Dwijayanti, R. (2021). Pengaruh Persepsi Kemudahan Penggunaan dan Promosi Cashback Terhadap Minat Mahasiswa Dalam Menggunakan Dompet Digital Shopeepay Pada Aplikasi Shopee. Jurnal Pendidikan Tata Niaga (JPTN), 9(3), 1455–1463.
Mutara, H., & Laloan, C. (2021). Pegaruh Literacy Keuangan Dan Pengendalian Diri Terhadap Prilaku Konsumtif Mahasiswa Pendidikan Ekonomi Jurusan Akuntansi Angkatan 2017 Di Universitas Negeri Manado. Literacy: Jurnal Pendidikan Ekonomi, 2(2), 60–69.
Nasution, A. E., Lesmana, M. T., Kurnia, E., & Lubis, E. R. B. (2025). Green Purchase Intention: Examining E-Commerce Sustainability, Green Marketing Innovation, Product Innovation, and Consumer Innovativeness. International Journal of Sustainable Development and Planning, 20(12), 5177–5190. https://doi.org/https://doi.org/10.18280/ijsdp.201213
Neneng, S., I, M. T., Aji, M. B., Yanida, P., & Widajatun, V. W. (2024). Pentingnya Literasi Keuangan Pada Generasi Z (Studi Pada Siswa SMA Dan SMK Di Kota Bandung). Jurnal Kreativitas Dan Pengabdian Kepada Masyarakat (PKM), 7, 4299–4307.
Oktavia, E. T., & Hanifa, N. (2023). Hubungan Promo Tanggal Istimewa Terhadap Keputusan Pembelian Di E-Commerce Shopee. Independent. Journal of Economics, 2(2), 79–91.
Pranisya, R., Sari, P. P., & Maulida, A. (2024). The Effect of Financial Literacy, Technology Financial Literacy and Financial Inclusion on MSME Performance. Jurnal Ekonomi Dan Bisnis, 25(2). https://doi.org/https://doi.org/10.30659/ekobis.25.2.244-255
Purwanto, A., & Sudargini, Y. (2021). Partial Least Squares Structural Squation Modeling (PLS-SEM) Analysis for Social and Management Research : A Literature Review. Journal of Industrial Engineering & Management Research, 2(4), 114–123.
Putri, N. E., & Ambardi, A. (2023). Pengaruh Gaya Hidup Hedonisme Dan Promo Tanggal Kembar Terhadap Impulse Buying (Studi Kasus Pengguna Shopee Di Tangerang Selatan). Jurnal Bintang Manajemen (JUBIMA), 1(3), 282–294. https://doi.org/https://doi.org/10.55606/jubima.v1i3.1932
Rachmatulloh, B., Fikri, I., & Purnamasari, P. E. (2024). The Development of Financial Technology, Financial Literacy, and Financial Management Behavior in Generation Z (A Case Study of Economics Students at UIN Maulana Malik Ibrahim Malang). Asian Journal of Economics, Business and Accounting, 24(10), 64–83. https://doi.org/https://doi.org/10.9734/ajeba%2F2024%2Fv24i101513
Ramdan, S., & Supriyono, E. (2023). Self-Control Sebagai Moderasi Antara Income Mahasiswa. Journal of Business and Halal Industry, 1, 1–24.
Riyanto, V., & Loisa, R. (2022). Pengaruh Hedonic Shopping Motivation dan Fashion Involvement terhadap Impulse Buying dengan Positive Emotion sebagai Variabel Mediasi pada Event Tanggal Kembar di Shopee. Jurnal Manajemen Bisnis Dan Kewirausahaan, 6(6), 610–614. https://doi.org/https://doi.org/10.24912/jmbk.v6i6.20686
Rohman, D., Triana, I., Lestari, N. A., Hanita, R., Wijaya, R., Rozak, A., & Mulyani, H. (2023). Analisis Impulse Buying Mahasiswa Pada Flash Sale dan Gratis Ongkir Shopee : Keinginan atau Kebutuhan ? Jurnal Ecogen, 6(2), 156–164.
Sahir, S. H. (2021). Metodologi Penelitian.
Sari, D. P., & Siregar, Q. R. (2022). Pengaruh Sistem Pembayaran Online, Pola Gaya Hidup Dan Pengetahuan Keuangan Terhadap Perilaku Keuanganpada Mahasiswa Akhir Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Sumatera Utara. Sosek: Jurnal Sosial Dan Ekonomi, 3(2), 99–109. https://doi.org/http://jurnal.bundamediagrup.co.id/index.php/sosek
Sari, M., Lubis, A. B., & Jufrizen, J. (2021). The Effect of Financial Literature and Self Control on Consumption Behavior (Study on Students of the Faculty of Economics and Business Universitas Muhammadiyah Sumatera Utara). International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS), 1(2), 135–144.
Sihombing, P. R., Arsani, A. M., Oktaviani, M., Nugraheni, R., Wijaya, L., & Muhammad, I. (2024). Aplikasi SmartPLS Untuk Statistisi Pemula (I. Marzuki (ed.); Cetakan 1). Minhaj Pustaka.
Simu, T. K., Rahmawati, C. H. T., & Yuniarto, A. Y. (2023). Influence of Financial Literacy, Social Environment, and Financial Technology Against Financial Behavior. Journal of Applied Management Research, 3(2). https://doi.org/https://doi.org/10.36441/jamr.v3i2.1824
Suari, P. D. P., & Julianto, I. P. (2024). Pengaruh Literasi Keuangan , Uang Saku , Teknologi dan Kontrol Diri terhadap Perilaku Menabung pada Mahasiswa ( Studi Kasus pada Mahasiswa Fakultas Ekonomi Universitas Pendidikan Ganesha). Jurnal Ilmiah Akuntansi Dan Humanika, 14(3), 368–375. https://doi.org/https://doi.org/10.23887/jiah.v14i3.77730
Suwatno, S., Waspada, I., & Mulyani, H. (2020). Meningkatkan Perilaku Pengelolaan Keuangan Mahasiswa Melalui Financial Literacy dan Financial Sel Efficacy. Jurnal Pendidikan Akuntansi & Keuangan, 8(1), 87–96. https://doi.org/https://doi.org/10.17509/jpak.v8i1.21938
Syarif, M. I., Hannum, M., Wahyuni, S., & Nurbaiti. (2023). Potensi Perkembangan E-Commerce Dalam Menunjang Bisnis di Indonesia. Journal of Computers and Digital Business, 2(1), 11–14.
Utami, Z. L. (2024). The Influence of Flash Sale and Shopee Live on Impulsive Buying Behavior in Marketing Management Students. Jurnal Manajemen, 3(3), 155–165. https://doi.org/https://doi.org/10.55123/mamen.v3i3.3893
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Published
2026-07-10
How to Cite
Qholila, N., & Rialdy, N. (2026). The Influence of Double-Date Promotional Events and Financial Technology Literacy on Students’ Financial Management Behavior: The Mediating Role of Self-Control. Jesya, 9(2), 1676-1690. https://doi.org/https://doi.org/10.36778/jesya.v9i2.2891
Section
Articles
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
