<![CDATA[This study examines how accounting students at Universitas Muslim Nusantara (UMN) Al Washliyah Medan apply financial literacy in managing their personal finances, what obstacles and efforts they report, and which factors shape successful application. A descriptive qualitative design was used. Data came from interviews with seven students and three lecturers, supported by observation and documentation. Source, technique, and time triangulation were used to check data validity, and NVivo supported initial, axial, and selective coding. The findings show that students grasp the basics of financial literacy, such as separating needs from wants, saving, and planning how pocket money is spent, but application is uneven. Many students keep no spending records, prepare no written budget, and still buy on impulse. Students respond by attending seminars, reading books and online sources, and reviewing their spending, with encouragement from lecturers. Five factors influence success: financial literacy knowledge, financial education, access to financial information, learning motivation, and self-discipline, with self-discipline described as the most decisive. Campus programs should therefore stress practical habits, such as budgeting and daily recording, and not only concepts.]]>
Copyrights © 2026
