PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN MAHASISWA MANAJEMEN KEUANGAN UNIVERSITAS PAMULANG
Keywords:
financial literacy, lifestyle, financial management, college students, Theory of Planned BehaviorAbstract
The advancement of the digital era and the phenomenon of consumptive lifestyles among Generation Z have raised serious concerns regarding the low financial management capabilities of college students. Data from the National Survey on Financial Literacy and Inclusion by the Financial Services Authority (OJK, 2022) recorded that Indonesia's financial literacy rate has only reached 49.68%, while consumptive behavior driven by digital financial services continues to rise. This study aims to examine the effect of financial literacy and lifestyle on the financial management of Financial Management students at Universitas Pamulang (Study in Room 569). The theoretical foundations used include the Theory of Planned Behavior (Ajzen, 1991), the concept of conspicuous consumption (Veblen, 1899), and the financial literacy framework by Lusardi & Mitchell (2023) and Atkinson & Messy (2012). This study employed an associative quantitative approach using a survey method with a Likert-scale questionnaire. The population and sample consisted of all 35 active students in Room 569, selected through a saturated sampling technique. Data analysis was conducted using multiple linear regression with SPSS 25, preceded by validity, reliability, and classical assumption tests. The results indicate that financial literacy has a positive and significant effect on financial management, whereas lifestyle does not have a significant effect partially. Simultaneously, both variables were able to explain 61.0% of the variation in students' financial management. This study concludes that improving financial literacy is the primary factor in shaping good financial management behavior among college students
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