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All Journal Jurnal Management Risiko dan Keuangan
Hadikusumah, Rizkitaami Azqi
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Decision Sciences, Operations Research & Management

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Financial Literacy and Financial Behavior: Predicting Financial Well-Being Among Study Abroad Students Hadikusumah, Rizkitaami Azqi; Nurmasari, Nuraini Desty
Jurnal Management Risiko dan Keuangan Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jmrk.2025.04.4.03

Abstract

Purpose – This study aims to examine the influence of financial literacy and financial behavior on the financial well-being of students who received scholarships from the Indonesian International Student Mobility Awards (IISMA) in 2023.     Design/methodology/approach –  This quantitative study uses primary data collected through questionnaires distributed to IISMA scholarship recipients. From a population of 150 students, respondents were selected using simple random sampling. The research instruments were tested for validity and reliability, followed by classical assumption testing and data analysis.   Findings – The results indicate that financial literacy has a significant positive influence on financial well-being, suggesting that higher financial knowledge contributes to better financial conditions. Financial behavior also has a significant positive influence on financial well-being, demonstrating that effective financial practices improve students’ financial outcomes.   Originality/value  – This study contributes to financial well-being literature by examining a unique population of Indonesian students participating in international mobility programs. The findings highlight the importance of integrating structured financial education into student mobility programs to strengthen financial resilience and long-term well-being.
Co-Authors Nurmasari, Nuraini Desty