Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan Pribadi pada Mahasiswa Diploma Tiga Keuangan Fakultas Vokasi Universitas Sumatera Utara

Abstract

Rapid technological advances have brought many modern products to the market without considering their benefits, especially for Diploma III Finance students at the Vocational Faculty of the University of North Sumatra. The purpose of this study is to determine the influence of financial literacy on the personal financial management of Diploma III Finance students at the Vocational Faculty of the University of North Sumatra. The researcher used a quantitative method with a total sample of 101 Diploma III Finance students at USU. Item variance testing was conducted through validity and reliability tests, classical assumption tests, simple linear regression tests, and hypothesis tests. The results of the study found that financial literacy significantly influences the personal financial management of students by 55.8%, as calculated using SPSS version 22, while the remaining 44.2% is influenced by other factors. To address this issue, financial literacy needs to be further enhanced through student activities such as workshops, seminars, and investment training.