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All Journal Ekobis: Jurnal Ilmu Manajemen dan Akuntansi J-CEKI
Mahanani, Riskillah Azizah
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Humanities Economics, Econometrics & Finance Social Sciences

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The influence of Financial Literacy and Self Control on Students’ Personal Financial Management in the Solo Raya Region Mahanani, Riskillah Azizah; Hendar, Hendar
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 5: Agustus 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i5.11058

Abstract

This research seeks to examine how financial literacy and self-control impact students' personal financial management in the Solo Raya region, and to explore the mediating role of self-control in these relationships. The research method used is quantitative with an explanatory research approach. The research sample amounted to 150 students who were selected using non-probability sampling techniques, especially accidental sampling. Data collection was carried out through questionnaires that were analyzed using Structural Equation Modeling (SEM) with the help of Warp PLS software. The outcomes of the investigation show that financial literacy has a positive effect on self-control and personal financial management. Self-control also has a positive effect on personal financial management. In addition, self-control has been shown to play a mediator role in the association between financial literacy and personal financial management. These findings affirm the importance of improving financial literacy and self-control skills in supporting better financial management behavior among students. This research makes a practical contribution to the development of financial literacy programs that are integrated with character formation among students
Pengaruh Literasi Keuangan, Gaya Hidup, dan Pengendalian Diri Terhadap Pengelolaan Keuangan Pribadi (Studi Kasus Mahasiswa Universitas Boyolali) Mahanani, Riskillah Azizah; Kistiani Heggy Suryana, Alean; Asih Triatmaja, Nur; Singh Rana, Varinder
EKOBIS Vol 13 No 2 (2025): Jurnal Ekobis
Publisher : Universitas Boyolali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36596/ekobis.v13i2.1492

Abstract

ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, gaya hidup, dan pengendalian diri terhadap pengelolaan keuangan pribadi mahasiswa Universitas Boyolali. Penelitian ini menggunakan metode kuantitatif. Data dikumpulkan melalui kuesioner yang disebarkan kepada 92 mahasiswa Universitas Boyolali. Analisis data dilakukan menggunakan software SPSS versi 26. Hasil pengujian secara parsial pada variabel literasi keuangan menunjukkan bahwa nilai p-value (sig) sebesar 0,975>0,05 maka literasi keuangan tidak berpengaruh terhadap pengelolaan keuangan pribadi pada mahasiswa Universitas Boyolali. Gaya hidup juga tidak memiliki pengaruh terhadap pengelolaan keuangan pribadi dimana hasil pengujian nilai p-value (sig) adalah 0,260> 0,05. Namun, pengendalian diri terbukti memiliki pengaruh signifikan terhadap pengelolaan keuangan pribadi mahasiswa ditunjukkan dengan nilai p-value (sig) sebesar 0,001<0,05. Secara simultan, literasi keuangan, gaya hidup, dan pengendalian diri secara bersama-sama memiliki pengaruh signifikan terhadap pengelolaan keuangan pribadi mahasiswa. Penelitian ini menyimpulkan bahwa pengendalian diri merupakan faktor yang paling penting dalam mengelola keuangan pribadi di kalangan mahasiswa. Kata kunci : Literasi Keuangan, Gaya Hidup, Pengendalian Diri, Pengelolaan Keuangan Pribadi. ABSTRACT This study aims to examine the effect of financial literacy, lifestyle, and self-control on the personal financial management of Boyolali University students. This research uses quantitative methods. Data were collected through questionnaires distributed to 92 Boyolali University students. The results of partial testing on the financial literacy variable show that the p-value (sig) of 0.975>0.05, so financial literacy has no effect on personal financial management at Boyolali University students. Lifestyle also has no influence on personal financial management where the test result of the p-value (sig) is 0.260> 0.05. However, self-control is proven to have a significant influence on student personal financial management indicated by a p-value (sig) of 0.001 <0.05. Simultaneously, financial literacy, lifestyle, and self-control together have a significant influence on students' personal financial management. This study concludes that self-control is the most important factor in managing personal finance among college students. Keywords : Financial Literacy, Lifestyle, Self-Control, Personal Financial Management
Co-Authors Asih Triatmaja, Nur Hendar Hendar, Hendar Kistiani Heggy Suryana, Alean Singh Rana, Varinder