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All Journal Journal of Accounting Research, Utility Finance and Digital Assets (JARUDA)
Annisa
Universitas Malikussaleh

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THE EFFECT OF FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE AND LOCUS OF CONTROL ON THE PERSONAL FINANCIAL MANAGEMENT BEHAVIOR OF FEB STUDENTS OF MALIKUSSALEH UNIVERSITY Annisa; Rico Nur Ilham; Jummaini; Zulfan; Frengki Putra Ramansyah
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 5 No. 2 (2026): October
Publisher : PT. Radja Intercontinental Publishing

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Abstract

This study aims to examine the influence of financial literacy, spiritual intelligence, and a hedonistic lifestyle on the personal financial management of students at the Faculty of Economics and Business, Universitas Malikussaleh. This is a quantitative study utilizing primary data obtained through online questionnaires distributed via Google Forms to students of the Faculty of Economics and Business, Universitas Malikussaleh. The study population consists of 3,162 active students from the Management study program at Universitas Malikussaleh (classes of 2021–2024). A purposive sampling technique was employed to select a sample of 150 respondents. The research model was estimated and tested using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) technique, with data processed via Smart-PLS 4 software. The results indicate that financial literacy and spiritual intelligence have a positive influence on students' personal financial management, while a hedonistic lifestyle also influences their personal financial management.
Co-Authors Frengki Putra Ramansyah Jummaini Rico Nur Ilham Zulfan