THE INFLUENCE OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE ON PERSONAL FINANCIAL MANAGEMENT OF PAMULANG UNIVERSITY STUDENTS

Abstract

The rapid development of information technology has significantly influenced the lifestyle of young generations, including university students, in managing their personal finances. Many students still lack adequate understanding of the importance of financial literacy in managing income and daily expenses. This study aims to analyze the effect of financial literacy and financial attitude on students’ personal financial management. A quantitative approach was applied using a survey method through questionnaires distributed to accounting students at Universitas Pamulang. The collected data were analyzed using SPSS version 27 to test validity, reliability, and multiple linear regression. The results show that financial literacy has a positive and significant effect on personal financial management. Likewise, financial attitude significantly influences financial management, indicating that students with higher financial literacy and positive attitudes toward money tend to make wiser, more planned, and effective financial decisions. The study concludes that improving financial literacy and shaping a healthy financial attitude are crucial for students to plan their finances properly and avoid consumptive behavior. The practical implication suggests that educational institutions should integrate financial literacy topics into their curriculum to foster responsible financial behavior and strengthen students’ financial independence