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Betanika Nila Nirbita
Accounting Study Program, Department Of Business And Finance, Faculty Of Vocational Studies, Universitas Negeri Yogyakarta
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The Effect of Financial Literacy, Income, Financial Self-Efficacy, and Locus of Control on the Financial Management Faqihuddin, Muhammad Zidan; Nirbita, Betanika Nila
Economic Education Analysis Journal Vol. 14 No. 3 (2025): Economic Education Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/eeaj.v14i3.33797

Abstract

This study aims to determine the influence of financial literacy, income, financial self-efficacy and locus of control on students' financial management behavior. This study uses a quantitative method. The population used in this study were students of the Accounting Study Program, Faculty of Vocational Studies, Yogyakarta State University. Sampling was carried out using a purposive sampling technique of 100 respondents. The data collection method used a questionnaire distributed online. This study uses multiple linear regression analysis techniques with SPSS 26 software. The results of the study show that (1) Financial literacy has a significance value of 0.000 < 0.05, which means that financial literacy has a positive effect on students' financial management behavior. (2) Income has a significance value of 0.031 < 0.05, which means that income has a positive effect on students' financial management behavior. (3) Financial self-efficacy has a significance value of 0.000 < 0.05, which means that financial self-efficacy has a positive effect on students' financial management behavior. (4) Locus of control has a significance value of 0.022 < 0.05, which means that locus of control has a positive effect on students' financial management behavior.
Co-Authors Aisyah, Iis Andi Nur Rachman Bakti Widyaningrum Barida Rakhma Nuranti Budi Tiara Novitasari Chusnu Syarifa Diah Kusuma Denisa Nopita Dhyah Setyorini Edi Fitriana Afriza Edi Fitriana Afriza, Edi Fitriana Fajar Wahyu Nugroho Faqihuddin, Muhammad Zidan Fina Hermalia Putri Fuad Abdullah Gugum Gumilar Hasanah, Ade Nurul Iis Aisyah Istiqomah, Nabilah Jannah, Lu'lu'ul Mahendra Adhi Nugroho Nurbaeti Nurbaeti Rd. Roro Suci Nurdianti Rendra Gumilar Sekarningtyas, Ayu Siti Nurwanti Sri Hardianti Sartika Sri Hardianti Sartika Sri Hardianti Sartika Sri Hardianti Sartika Sri Hardianti Sartika Sri Siti Nuraini Suherti, Heti Syahida Norviana Wanda Andini Willa Putri Malinda Buchori Yuliana Yuliana