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All Journal International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Journal of Artificial Intelligence and Digital Business PENG: Jurnal Ekonomi dan Manajemen CARONG: Jurnal Pendidikan, Sosial dan Humaniora International Journal of Education Management and Religion
Fakhirah Husain
Universitas Negeri Makassar
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Social Sciences Other

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THE EFFECT OF FINANCIAL LITERACY AND POCKET MONEY ON STUDENTS' FINANCIAL MANAGEMENT BEHAVIOR THROUGH FINANCIAL SELF-EFFICACY (A STUDY OF ACTIVE FEB STUDENTS AT STATE UNIVERSITY OF MAKASSAR) Fakhirah Husain; Adhiba Nur Fayyad; Imelda; Icha Patadungan
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 10 (2025): SEPTEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v5i1.1362

Abstract

This study examines the role of financial literacy and pocket money on students' financial management behavior, with financial self-efficacy as an intervening variable. The phenomenon of increasing student consumer behavior is the main background of this study. Using a quantitative explanatory approach with SEM-PLS analysis on 130 active students of the Faculty of Economics and Business, Makassar State University, the results show that financial literacy and pocket money have a positive effect on financial self-efficacy, and financial self-efficacy has a significant effect on financial management behavior. However, financial literacy does not have a direct effect without the mediation of financial self-efficacy. This means that the higher the financial literacy and pocket money accompanied by self-confidence in managing finances, the better the students' financial behavior in planning and controlling expenses wisely.
Co-Authors Adhiba Nur Fayyad Diva Ana Patra Fakhira Azzahra Fitri Ardilla Icha Patadungan Imelda Indah Lestari Anwar Meyrdania Muhammad Awan Gemawan Muhammad Fakhrul Anwar Muhammad Yasir Nur Fadilah Nuraziza Nurul Amalia Azzahrah Romansyah Sahabuddin Salsabila Mansyur Sartika Sartika Siti Nurhaliza Harris Tamara Zahirah Haris Zahra Azizah