<![CDATA[This study aims to analyze the effect of financial literacy on the financial management behavior of students in the Law Study Program at Universitas Persatuan Guru 1945 NTT. Financial literacy refers to an individual's ability to understand and manage financial aspects, including basic personal finance, money management, credit and debt management, saving and investment, and risk management. These competencies are considered essential in shaping sound financial management behavior among university students. This research employed a quantitative approach using simple linear regression analysis. The population consisted of 327 active students of the Law Study Program at Universitas Persatuan Guru 1945 NTT. A sample of 33 respondents was selected using the proportionate stratified random sampling technique. Data were collected through questionnaires based on a Likert scale and analyzed statistically to determine the effect of financial literacy on students’ financial management behavior. The results revealed that financial literacy has a positive and significant effect on students’ financial management behavior. The regression equation obtained was Y = 4.257 + 0.764X, indicating that an increase in financial literacy is followed by an improvement in financial management behavior. The correlation coefficient (r) of 0.66 indicates a strong positive relationship between the two variables, while the coefficient of determination (R²) of 43.56% shows that financial literacy explains 43.56% of the variation in students’ financial management behavior, whereas the remaining 56.44% is influenced by other factors outside the scope of this study. Furthermore, the t-test result showed that the calculated t-value (4.886) was greater than the t-table value (2.036), confirming that financial literacy has a positive and statistically significant effect on students’ financial management behavior.]]>
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