The Influence of Self-Control, Income, and Financial Management Behavior on the Financial Well-Being of Scholarship Recipients at UINSU

Wulandari Wulandari (Universitas Islam Negeri Sumatera Utara)
Tri Inda Fadhila Rahma (Universitas Islam Negeri Sumatera Utara)
Faisal Umardani Hasibuan (Universitas Islam Negeri Sumatera Utara)

SENTRALISASI
Vol. 15 No. 2 (2026): May

This study aims to assess how self-discipline, earnings, and financial management strategies affect the financial wellness of scholarship recipients at UIN Sumatera Utara. A quantitative approach is utilized, applying multiple linear regression for data evaluation with the help of SPSS 27. Information is collected using an online survey administered via Google Forms, focusing on a group of 86 scholarship recipients at UIN North Sumatera. The results indicate that self-discipline positively influences financial wellness, earnings also positively contribute to financial wellness, and financial management behavior positively affects financial wellness as well. In combination, self-discipline, earnings, and financial management strategies have a significant impact on financial wellness. This research underscores the significance of individual discipline, financial resources, and sound management strategies as key elements for enhancing financial wellness.