Pengaruh Literasi Keuangan terhadap Perilaku Pengelolaan Keuangan Pribadi Mahasiswa yang Bekerja di Fakultas Ekonomi dan Bisnis Unismuh Makassar

Abstract

This study aims to analyze the influence of financial literacy on the personal financial management behavior of working students at the Faculty of Economics and Business, Muhammadiyah University of Makassar. Working students were selected because they face specific challenges in managing their own income while balancing academic responsibilities and employment demands. This study employed a quantitative approach involving 96 respondents selected through purposive sampling. Data were collected using a questionnaire and analyzed using simple linear regression with SPSS. The results showed that financial literacy had a positive and significant effect on personal financial management behavior. This was evidenced by a calculated t-value of 14.747, which was higher than the t-table value of 1.986, with a significance level of 0.000. Financial literacy contributed 69.8% to students' financial management behavior, while the remaining 30.2% was influenced by other factors. In conclusion, adequate financial literacy encourages working students to manage, plan, and control their personal finances more responsibly.