Pengaruh Literasi Keuangan, Sikap Keuangan dan Pengendalian Diri terhadap Pengelolaan Keuangan : (Studi Empiris pada Mahasiswa Universitas Muhadi Setiabudi Brebes)

Melin Novita Sari (Universitas Muhadi Setiabudi)
Dumadi Dumadi (Universitas Muhadi Setiabudi)
Hilda Kumala Wulandari (Universitas Muhadi Setiabudi)
Roni Roni (Universitas Muhadi Setiabudi)

Optimal: Jurnal Ekonomi dan Manajemen
Vol. 5 No. 3 (2025): Jurnal Ekonomi dan Manajemen

Lack of understanding of basic financial concepts, less positive attitudes towards financial management and difficulty controlling oneself in financial matters lead to poor financial management. This study aims to determine the effect of financial literacy, financial attitudes and self-control on financial management in students of Muhadi Setiabudi University. This research was conducted using a quantitative descriptive approach. The population in this study were active students of Muhadi Setiabudi University in 2021-2024 totaling 1,033 people. The sampling technique used the Slovin formula with a 5% margin of error so that 289 people were obtained. The data used were primary data in the form of questionnaires. Data analysis techniques with multiple linear regression analysis using SPSS. The results of the study showed that the financial literacy variable has a positive and very significant effect on student financial management, the financial attitude variable has a positive and very significant effect on student financial management, the self-control variable has a positive and very significant effect on student financial management and simultaneously financial literacy, financial attitude and self-control have a positive effect on student financial management.