Pengaruh Literasi Keuangan, Lifestyle Hedonis, dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa

Abstrak

Behavioral finance relates to how an individual handles, manages, and uses the financial resources available to them. People who behave in a financially responsible manner tend to use their money effectively, such as budgeting, saving, controlling spending, investing, and keeping promises. This research was conducted because many teenagers, including students who have a culture that always feels lacking in the hedon lifestyle, have an understanding of financial literacy and also have different personal financial attitudes which will encourage students' financial behavior. This study aims to determine the effect of financial literacy, hedonic lifestyle and personal financial attitudes on student financial behavior. Respondents in this study were 80 students of Management Study Program ITB Widya Gama Lumajang. Data collection was carried out in this study through a questionnaire with a sampling technique using non-probability sampling with accidental sampling technique. This type of research is quantitative research. Analysis of the data used is linear regression analysis. The results of this study are financial literacy has a positive effect on student financial behavior, for a hedonic lifestyle has no effect on student financial behavior, while personal financial attitudes have a positive effect on student financial behavior.