<![CDATA[This study aims to examine the effect of lifestyle, financial literacy, and financial attitude on financial management among students receiving the Indonesia Smart Card scholarship in the Management Economics Study Program at Abulyatama University. The research is motivated by the importance of effective financial management among students facing limited financial resources and increasing lifestyle pressures. The independent variables in this study include lifestyle, financial literacy, and financial attitude, while the dependent variable is financial management. A quantitative approach with a survey method was employed. The research population consisted of 227 students, with a sample of 69 students from the Management Economics Study Program at Abulyatama University. Data were analyzed using multiple linear regression analysis. The research hypotheses propose that lifestyle and financial attitude have a significant positive effect on financial management, while financial literacy has an insignificant effect. The results reveal that lifestyle has a significant positive influence on students’ financial management, financial literacy does not significantly affect financial management, and financial attitude has a significant positive effect on financial management. These findings indicatethat financial behavior and attitudes play a more dominant role in financial management than financial knowledge alone. This study contributes to the literature on personal financial management, particularly in the context of scholarship recipient students. The findings emphasize the importance ofdeveloping positive financial attitudes and controlling lifestyle patterns to enhance students’ financial management.]]>
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