Pengaruh Literasi Keuangan, Pendapatan, dan Gaya Hidup Mahasiswa terhadap Pengelolaan Keuangan Pribadi pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Sumatera Utara

Abstract

This study aims to determine and analyze the influence of financial literacy, income, and lifestyle of students on personal financial management in students of the Faculty of Economics and Business, University of North Sumatra. The population in this study was 1,216 active students from the 2021 to 2022 semester of the Faculty of Economics and Business, University of North Sumatra. The sample in this study was 301 active students from the Development Economics, Management, Accounting, and Entrepreneurship study programs from the 2021 to 2022 semester of the Faculty of Economics and Business, University of North Sumatra. The research data were obtained by distributing research questionnaires to active students from the Development Economics, Management, Accounting, and Entrepreneurship study programs from the 2021 to 2022 semester of the Faculty of Economics and Business, University of North Sumatra. The analysis technique used multiple linear analysis. The results of this study partially indicate that Financial Literacy and Lifestyle have a positive and significant effect on Personal Financial Management in Students of the Faculty of Economics and Business, University of North Sumatra, while Income has a negative and significant effect on Personal Financial Management in Students of the Faculty of Economics and Business, University of North Sumatra.