<![CDATA[This study aims to analyze the influence of self-control and financial skills on college students’ personal financial management abilities in Medan. This study employs a quantitative approach using a survey method. The study population consists of college students from various universities, with a sample of 100 respondents selected using stratified random sampling. Data collection was conducted via a questionnaire using a Likert scale and analyzed using multiple linear regression analysis with the assistance of SPSS software. Based on the regression test results, Self-Control has a positive effect on students’ personal financial management ability with a regression coefficient of 0.356, a calculated t-value of 4.341, and a significance level of 0.000 (< 0.05). A positive regression coefficient indicates that the higher the Self-Control, the higher the students’ personal financial management ability. Financial skills also have a positive effect on students’ personal financial management ability with a regression coefficient of 0.421, a t-value of 4.726, and a significance level of 0.000 (< 0.05), meaning that the higher the financial skills, the greater the students’ personal financial management ability. Simultaneously, Self-Control and financial skills have a significant effect on students’ personal financial management ability based on the F-test results with a significance level of 0.000 (< 0.05). The Adjusted R-Square value of 0.542 indicates that these two variables account for 54.2% of the variation in students’ personal financial management ability, while the remaining 45.8% is influenced by other variables outside the research model. Based on the research findings, it can be concluded that Self-Control and financial skills play a crucial role in enhancing students’ personal financial management ability.]]>
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