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All Journal Jurnal Administrasi Bisnis
Anisatun Humayrah Rais
Makassar State University
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Influence of Financial Literacy on Students’ Financial Behavior: The Moderating Role of Fear of Missing Out (FOMO) from a Behavioral Finance Perspective Anisatun Humayrah Rais; Adriansyah Adriansyah; Yulia Yunita Yusuf
Jurnal Administrasi Bisnis VOL 5, NO 2 (2026) May
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jab.v5i2.84116

Abstract

This study aims to analyze the influence of financial literacy on students' financial behavior and examine the role of Fear of Missing Out (FOMO) as a moderating variable from a behavioral finance perspective. The study employed a quantitative approach with an explanatory design. Respondents were 35 Accounting students selected using a purposive sampling technique. Data were obtained through a questionnaire with a five-point Likert scale and analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results showed that financial literacy had a positive and significant effect on students' financial behavior. FOMO had a negative and significant effect on students' financial behavior. Furthermore, FOMO was shown to moderate the influence of financial literacy on financial behavior in a negative direction, meaning FOMO weakened the positive influence of financial literacy on students' financial behavior. These findings indicate that students' financial behavior is influenced not only by cognitive capacity in the form of financial literacy, but also by psychological factors that accompany the decision-making process. This study implies that strengthening students' financial literacy needs to be balanced with attention to psychological factors, especially in the context of an intense digital environment. 
Co-Authors Adriansyah Adriansyah Yulia Yunita Yusuf