Pengaruh Literasi Keuangan, Gaya Hidup dan Lingkungan Sosial terhadap Financial Management Behavior Mahasiswa Adik Fe Universitas Widya Mataram

Aswan Aswan

doi:10.30640/inisiatif.v5i3.6903

Authors

Aswan Aswan Universitas Widya Mataram

DOI:

https://doi.org/10.30640/inisiatif.v5i3.6903

Keywords:

Financial Literacy, Financial Management Behavior, Lifestyle, Social Environment, Students

Abstract

Financial management behavior is one of the important aspects for students in managing financial resources effectively. However, there are still students who have difficulties in planning, controlling expenses, and making the right financial decisions. This condition encourages the need for research on factors that affect financial management behavior, especially financial literacy, lifestyle, and social environment. This study aims to analyze the influence of financial literacy, lifestyle, and social environment on financial management behavior of ADiK students, Faculty of Economics, Widya Mataram University. The study uses a quantitative approach with a causal associative design. The research population was 82 students, with a sample of 68 respondents determined using purposive sampling techniques. Data were collected through questionnaires using the Likert scale and analyzed using multiple linear regression with the help of SPSS. The results showed that financial literacy had a significant effect on financial management behavior, while lifestyle and social environment did not have a partial significant effect. However, together, financial literacy, lifestyle, and social environment have a significant effect on financial management behavior. These findings indicate that improving financial literacy has an important role in shaping student financial management behavior. Therefore, educational institutions need to strengthen financial education and literacy programs to support the formation of better financial behavior among students.

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