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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

This quantitative 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. The instruments used in this study were tested for validity and reliability. Primary data were obtained through questionnaires distributed to scholarship recipients, selected from a population of 150 individuals using simple random sampling. Following classical assumption testing, the data were analyzed, yielding the following results. Financial literacy was found to have a significant positive influence on financial well-being, indicating that individuals with higher financial knowledge are more likely to achieve their desired financial condition. Similarly, financial behavior also has a significant positive influence on financial well-being, showing that individuals with good financial practices tend to experience better financial outcomes. This study offers a novel contribution by focusing on a unique and understudied population, Indonesian students undergoing international mobility, revealing how financial capability directly impacts their adaptation and stability abroad. These findings underscore the urgency of embedding structured financial education within student mobility programs to foster both immediate financial resilience and long-term well-being.
Co-Authors Nurmasari, Nuraini Desty