Pengaruh Literasi Keuangan, Sikap Keuangan, dan Teman Sebaya terhadap Pengelolaan Keuangan Pribadi Awardee Indonesian International Student Mobility Awards 2024

Abstract

This study aims to analyse the influence of financial literacy, financial attitude, and peer influence on the personal financial management of students receiving the Indonesian International Student Mobility Awards 2024 scholarship. The background of this research is based on the importance of students’ ability to manage their finances independently while studying abroad. The study employed descriptive statistical analysis and multiple linear regression using a survey method conducted with 100 IISMA 2024 awardees enrolled at various partner universities overseas. The results indicate that both financial literacy and financial attitude have a positive and significant effect on the personal financial management of IISMA 2024 awardees, while peer influence shows a negative but insignificant effect.