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All Journal JURNAL MANAJEMEN DAN BISNIS EQUILIBRIUM
Akhmad Raihan
Universitas Palangka Raya
Economics, Econometrics & Finance Social Sciences

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PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP DENGAN KONTROL DIRI SEBAGAI VARIABEL MODERASI TERHADAP PERILAKU KEUANGAN MAHASISWA UNIVERSITAS PALANGKA RAYA Solikah Nurwati; Dara Tiara Gemini; Yudistira Aditama Saputra; Akhmad Raihan
Jurnal Manajemen dan Bisnis Equilibrium Vol. 12 No. 1 (2026): Jurnal Manajemen dan Bisnis Equilibrium
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Ngurah Rai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47329/jurnalmbe.v12i1.1842

Abstract

The advancement of digital technology has driven significant changes in students' financial behavior, particularly through the ease of access to financial services such as mobile banking, digital wallets, and buy-now-pay-later features. This study aims to analyze the influence of financial literacy and lifestyle on the financial behavior of students at Universitas Palangka Raya, with self-control as a moderating variable. Samples were drawn from the active student population using purposive sampling based on the Slovin formula. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS. The results indicate that financial literacy has a significant positive effect on students' financial behavior, as does lifestyle. Self-control also demonstrated a significant positive effect on financial behavior. However, self-control was not proven to moderate the effect of either financial literacy or lifestyle on financial behavior. The model demonstrates a moderately strong ability to explain the variation in students' financial behavior. This study underscores the importance of enhancing financial literacy and strengthening self-control as key strategies for fostering healthy financial behavior among students in the digital era.
Co-Authors Dara Tiara Gemini Solikah Nurwati Yudistira Aditama Saputra