<![CDATA[This study investigates how Parental Guidance and Self-esteem shape Sharia Financial Attitude and Financial Responsibility among muslim youth in Surabaya. Focuses on exploring muslim youth’s perceptions of Parental Financial Guidance, grounded in how Islamic values cooperate with Parental Guidance and Self-esteem in shaping Financial Attitude, and evaluates how Self-esteem influences Financial Attitude. This research uses a quantitative explanatory research method, involving 104 muslim youth between the ages of 17 and 25 who are based in Surabaya. Data were gathered from a questionnaire through Google Forms with a 5-point Likert scale, and the results were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Hypothesis testing revealed that four of the six proposed relationships were statistically significant, confirming that Parental Guidance and Self-esteem significantly shape Financial Attitude, and Financial Attitude significantly predicts Financial Responsibility. The findings show that supportive parents and healthy self-esteem alone are not enough to encourage muslim youth to develop responsible financial behavior unless assimilated as positive financial attitudes and become a part of their thinking.]]>
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