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All Journal International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET)
Icha Patadungan
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education

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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 Adhiba Nur Fayyad Fakhirah Husain Imelda