The Effect Of Financial Literacy, Self-Management And Use Of Financial Technology On Financial Readiness Through Self-Competency As An Intervening Variable On Students Of The Faculty Of Economics And Business, State University Of Makassar

Muliana (Prodi Pendidikan Ekonomi Fakultas Ekonomi Universitas Negeri Makassar)
Syamsu Rijal (Prodi Pendidikan Ekonomi Fakultas Ekonomi Universitas Negeri Makassar)
Ika Wisudawaty (Prodi Pendidikan Ekonomi Fakultas Ekonomi Universitas Negeri Makassar)
Nurjannah (Prodi Pendidikan Ekonomi Fakultas Ekonomi Universitas Negeri Makassar)
Andi Caezar To Tadampali (Prodi Pendidikan Ekonomi Fakultas Ekonomi Universitas Negeri Makassar)

International Journal of Business and Quality Research
Vol. 4 No. 02 (2026): April-June, International Journal of Business and Quality Research (IJBQR)

The purpose of this study was to understand the influence of financial literacy, self-management, and the use of financial technology on financial readiness, with self-competence acting as an intervening variable in students at the Faculty of Economics and Business, Makassar State University. The approach used was quantitative with a descriptive research type. The study population included 2,550 active students from the 2022 and 2023 intakes at the faculty, with a sample of 346 respondents. Data were collected through a structured questionnaire and analyzed using the Partial Least Square–Structural Equation Modeling (PLS-SEM) method. The results showed that financial literacy, self-management, and the use of financial technology had a positive and significant influence on students' self-competence, which in turn was shown to have a positive and significant influence on their financial readiness. Self-competence was shown to act as a significant intervening variable in the relationship between financial literacy, self-management, and the use of financial technology on students' financial readiness.