THE EFFECT OF FINANCIAL KNOWLEDGE AND THE USE OF E-MONEY TOWARD FINANCIAL BEHAVIOR OF UNDERGRADUATE STUDENTS FACULTY OF ECONOMICS YOGYAKARTA STATE UNIVERSITY

: The Effect of Financial Knowledge and The Use of E-Money Toward Financial Behavior of Undergraduate Students Faculty of Economics Yogyakarta State University. This study aims to determine the influence of (1) Financial knowledge toward financial behavior of undergraduate students Faculty of Economics, Yogyakarta State University. (2) Knowing the influence of the use of e-money toward financial behavior of undergraduate students Faculty of Economics, Yogyakarta State University. This research was comparative causal study. The study sample was 217 respondents of the Faculty of Economics, Yogyakarta State University students. Samples were taken using purposive sampling technique. The data analysis technique used is multiple linear regression analysis test. The result of this study show that (1) Financial knowledge has a positive effect on financial behavior of undergraduate students Faculty of Economics, Yogyakarta State University. (2) The use of E-money has a negative effect on financial behavior of undergraduate students Faculty of Economics, Yogyakarta State University.

were originally centralized in humans have experienced a slow yet sure shift by digitizing technology in moving the wheels of the economy called the industrial revolution 4.0 (Suwardana, 2017). At present, the utilization of development in the economy in the modern era emerges in business that has penetrated the online system, and also in the payment system (Vhistika, 2017). The main activities offered in Industry 4.0 are the convenience of a transaction, the fast of information obtained, and the existence of digital social networking through mobile devices that support and trigger individuals to change their way of thinking, lifestyle, self-existence, social culture, and financial behavior (Subawa and Widhiasthini, 2018).
One of the intelligences that must be possessed by modern humans to deal with the industrial revolution 4.0 is financial intelligence (Zahroh, 2014).  (Palameta et al., 2016).
Financial knowledge is functions as a tool for someone's authority to make decisions in financial management, such as preparing a budget, choosing an investment, choosing an insurance plan, and attitude in using credit cards and e-money (Kholilah and Iramani, 2013). It is financial tools used in making financial decisions such as e-money, checks, credit cards, and debit cards (Humaira, 2018 (Nababan and Sadalia, 2017). Moreover, the increasingly widespread online shopping system and the development of a digital payment system in Indonesia provide a convenience system, easily accessed on each individual's mobile device increase the high consumerism. One of the payment systems used for current economic development is by non-cash payment system (Vhistika, 2017 (Warsono, 2010). If students cannot distinguish between needs and wants, it will have an impact on an unhealthy financial condition. This kind of conditions could be dangerous in managing finances so that it an effect on irresponsible financial behavior.
A lifestyle among adolescents raises a bad resource and financial management since a debt lifestyle, in which it can be easily obtained and can facilitate one's lifestyle, grows among teenagers or students (Arif, 2019). It rises an assumption that students have complex financial problems. The financial income of most students generates from parents. If the students encounter late transfer money, it will be one's problem.
Students thus experience problems of limitations of the reserve funds used every month (Nababan and Sadalia, 2017). On the other hand, there is another group of students who get monthly generate income from parents, then set aside to learn to invest (Suryanto, 2017). Students, at the moment, must behave independently in finance and start making responsible decisions (Elliehausen et al. 2007

b. Financial Knowledge
Financial Knowledge as part of financial literacy in the form of selfconfidence followed by the ability to understand finances so that ultimately it is used as a basis for financial decision making (Huston, 2010 (1) Issued based on the value of money paid in advance by the holder to the issuer; (2)

d. Mental Accounting Theory
Understanding mental accounting can be associated with an understanding of accounting, where accounting is a system of recording, grouping, and financial reporting for decision making (Sari, 2017). Every financial transaction in a company will be recorded and grouped according to certain accounts. As with companies, individuals can also group their money into certain predetermined criteria (Sari, 2017).

Type of Research
This research is quantitative research.
The quantitative research method is a research approach that based on the philosophy of positivism, which is a school of philosophy that states natural science as the only source of actual knowledge, knows no speculation, and all based on empirical data. Research data in the form consist of numbers and data analysis using statistics (Sugiyono, 2017 There are 217 students were collected in this research.

Techniques and Instruments Data Collection
The data used in this study are primary data. The technique used to collect data in this study using a questionnaire The questionnaire is a way of collecting data by giving a set of written questionnaires to respondents to answer (Sugiyono, 2017). The

Validity and Reliability of Instruments
Validity is a measure that shows the level of validity/validity of an instrument.
Valid instruments have high validity, and less valid instruments have low validity (Arikunto, 2010

Normality Test
The normality test is carried out by looking at the value of Asymp. Sig. (2-tailed) using the Kolmogorov-Smirnov non-  -ISSN: 2303-2065E-ISSN: 2502-5430 Volume 10 No 1 (2021 40 parametric statistical test. The variable is distributed normally if the significance value is higher than 0.05. The result of the normality test is as follows:

Multicollinearity Test
The results of the multicollinearity test can be seen from the value of the Variant Inflation Factor (VIF) and the tolerance value as follows: independent variables because the overall tolerance value is more than a 0.10 and the total VIF value is less than 10.  Table 4 shows that the significance value of each variable has a value of more than 0.05, which means there is no heteroscedasticity in this research.

Result of Hypothesis Test
Hypothesis testing in this study will be carried out by multiple linear regression tests. Multiple linear regression tests will be conducted to test hypotheses one and two,   -ISSN: 2303-2065E-ISSN: 2502-5430 Volume 10 No 1 (2021 whether they are in line with the hypothesis expected by the researcher. The calculation results from multiple linear regression tests are the following table: