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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. 5 No. 1 (2025): DECEMBER - ON PROGRESS
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 Ade Novita Sari Harahap Adhiba Nur Fayyad Adlis Santoni Adrian Pane, Gandi Ahmad Amirul Sir Ahmad Farid Ahmad Ripai Aldy Rinaldi, Aldy Alghifari Mahdi Igamo Ali Machmud Badarudin Anggriany, Martania Ani Marlia Anita Kurnia Sari Annisa Aprella, Vena Ariba Solin Arief Armando Arista Purnama, Rifky Arsidin Batubara Aryanes Asmara, Gita Azwaldi Azwardi Bambang Baskoro, Yudha Buhori Connie Cutyanti, Cici Darinda Sofia Tanjung Devita Syaharani Dina Octaria Dingin Sibayang Dr. H.Jarkawi, M.M.Pd Dr. Husnul Madihah, M.Pd Dwi Dwi Yunita, Dwi Dyan Wulan Sari Hs Edison Siregar Eka Titin Nurmala Sari Elisabet Malau, Novia Emriadi Eva Dolorosa Fakhirah Husain Fakhrurrozi Fanie Indah Manik Fathul Zannah Febrina, Shelly Feri Oswari Fernando T, Franky FITRIA NINGSIH Gibran, Kholil Hafidhun Annas Hakam Ali Niazi Halimatusa’diah Harunurrasyid, Harunurrasyid Heka Maya Sari Br Sembiring Hendra, Adesius Herka, Sri Nadra Hidayat, Ravindra Safitra Hikmah , Maulida Husna Imro'athush Sholihah Icha Patadungan Indah Rahayu Lestari Ismar Agustin IVAN ANDRI GUNAWAN Ivanda, Riko Jufri, Qory Sidwa Kirana Bayu Saputra Kleden-Probonegoro, Ninuk Kusuma, Resin Putra Teja Laiy, Victorianus Lugianus Andika Roy, Steven Luiz Figo Resda, Valentino Lukman Martunis MAGHFIRAH Maharani Putri, Dian Mardalena Marthauli Perdede Mawar Fauzia R MUHAMMAD TEGUH, MUHAMMAD Muliyadi Mulyanti Nabilla Nadella Nathalia Ramadhanti Nazarena, Yuli Hartati Nazarena, Yunita Neti Hartaty Nida, Rahma Nisa Afinah Nisrina Nola Riski Amelia Nopi Sari Novani Maryam Rambe Nur Alifah Syahrani Nur Indri Yani Nurliasari, Suci Nursalamah Pernanda, Perdi Putri, Yunike Rahmatullah Ramadhani Abustan Ratmoro, Nayumi Fadila Ratna Ningsih Retno Fuji Oktaviani Rinny Meidiyustiani Rizqa Annisa Dwiatmoko Salasa Nilawati, Nurul Sarinda, Maria Elsanda Riva Sartono Sartono, Sartono Silaban, Patri Sister, Maya Gian Siti Kholipah Sitti Murdiana Sri Hayati, Sri Suci Anugrah, Adis Sumarsih Suryati Syahbana, Rezky Aulianur Syarifa Atika Teja Kusuma, Resin Putra Utami Harjantini, Utami Wahyu Maulana, Wahyu Waldi Novi Yarsah Wijaya, Febri Yessi Yohana Yohanes, Vian Yuniarti, Emylia Yunika Lestaria Ningsih