<![CDATA[Students living in off-campus boarding houses need the ability to manage their finances independently to meet their needs without compromising financial stability. This study aims to analyze the influence of peers, self-control, and financial literacy on students' financial planning, as well as to examine the role of financial literacy in moderating the effects of peers and self-control on financial planning. A quantitative approach was employed, with the study population consisting of active students from Universitas Muhammadiyah Ponorogo (classes of 2022 and 2023). A sample of 141 students living in boarding houses was selected using purposive sampling. Primary data were collected via an online questionnaire and analyzed using Moderated Regression Analysis (MRA) with SPSS version 26. The results indicate that peer influence, self-control, and financial literacy each have a positive and significant effect on students' financial planning. However, the interaction between financial literacy and either peer influence or self-control did not yield a significant effect. These findings demonstrate that financial literacy does not yet strengthen or weaken the influence of peers and self-control on the financial planning of students living in boarding houses. Thus, student financial planning is not solely a matter of financial understanding but is also influenced by one's social circle and the ability to exercise self-control]]>
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