<![CDATA[This study explores the influence of financial literacy, financial attitude, mental accounting, and locus of control on financial management behavior among young adults in Indonesia. Motivated by growing concerns about Generation Z's financial decision-making capacity, the research seeks to identify the determinants that most significantly shape effective personal financial management. Employing a quantitative design, data were collected via structured questionnaires and analyzed using multiple regression. The results demonstrate that financial literacy is the sole variable exerting a statistically significant effect on financial management behavior. In contrast, financial attitude, mental accounting, and locus of control were found to have no meaningful impact. These findings underscore the primacy of knowledge-based competencies over attitudinal and psychological factors in fostering responsible financial decision-making. The study highlights the critical role of financial literacy as a foundational element for improving financial behavior among young populations, offering implications for educational interventions and policy initiatives aimed at strengthening financial capability in emerging economies.]]>
Copyrights © 2026
