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Putri Fatanna
Universitas Malikussaleh

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STUDENTS' PERSONAL FINANCIAL MANAGEMENT: THE ROLE OF FINANCIAL LITERACY, SELF-CONTROL, HEDONIST LIFESTYLE, AND FINANCIAL PLANNING Putri Fatanna; Husaini; Marzuki; Nurhasanah
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 5 No. 3 (2027): January - ON PROGRESS
Publisher : PT. Radja Intercontinental Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.22729469

Abstract

This study aims to analyze the effect of financial literacy, self-control, hedonic lifestyle, and financial planning on the personal financial management of students receiving KIP-K scholarships and other scholarships at the Faculty of Economics and Business, Malikussaleh University. This study employed a quantitative approach using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The population consisted of students receiving KIP-K scholarships and other scholarships at the Faculty of Economics and Business, Malikussaleh University, with a sample of 135 respondents selected using the purposive sampling technique. Data were analyzed using SmartPLS 4 software. The results of the hypothesis testing indicate that financial literacy, self-control, and financial planning have a positive and significant effect on students' personal financial management. Meanwhile, hedonic lifestyle has a negative but insignificant effect on students' personal financial management. The findings indicate that improving financial literacy, strengthening self-control, and implementing effective financial planning can encourage students to manage their personal finances more effectively and responsibly. On the other hand, hedonic lifestyle has not been proven to have a significant effect on students' personal financial management. Therefore, strengthening financial literacy, enhancing self-control, and promoting effective financial planning should be continuously encouraged to support better personal financial management among students.
Co-Authors Husaini Marzuki Marzuki Nurhasanah