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This study aims to analyze the effect of financial literacy on financial management behavior through financial attitudes among students of Universitas Kebangsaan Republik Indonesia (UKRI). The background of this research is the increasing importance of financial understanding among students in managing their personal finances effectively. This study uses a quantitative approach with a survey method, where data were collected through questionnaires distributed to UKRI students. The data were analyzed using statistical methods to examine both direct and indirect relationships between variables. The results indicate that financial literacy has a positive and significant effect on financial management behavior. Furthermore, financial attitudes are proven to mediate the relationship between financial literacy and financial management behavior, indicating that better financial knowledge shapes positive attitudes, which in turn improve financial behavior. The findings imply that improving financial literacy and fostering positive financial attitudes are essential in promoting better financial management among students. Therefore, educational institutions are encouraged to enhance financial education programs to support students in achieving financial well-being.

This study aims to analyze and examine the effect of financial literacy and self-control on financial management behavior, with financial attitude as an intervening variable among accounting students at universities in Lamongan. This research employed a quantitative approach using a survey method through questionnaire distribution via Google Form. The population consisted of accounting students at universities in Lamongan, with a total sample of 232 respondents selected using probability sampling with a simple random sampling technique. Data analysis was conducted using Partial Least Square–Structural Equation Modeling (PLS-SEM) version 4.0. The results indicate that financial literacy does not have a significant effect on financial management behavior, while self-control has a significant effect on financial management behavior. Furthermore, financial literacy and self-control significantly influence financial attitude, and financial attitude significantly affects financial management behavior. Financial attitude is also proven to significantly mediate the relationship between financial literacy and self-control on financial management behavior.

The increasing variety of digital financial products has contributed to greater access to financial services. However, there is growing need to enhance financial literacy, particularly among Generation Z, which dominates the use of technology compared to other generations. This generation is highly proficient in utilizing technology, including financial technology, which facilitates economic transactions through digital transfers and payments. On the other hand, this convenience also creates financial vulnerabilities for Generation Z, as reflected in poor personal fianncial management that leads to consumptive behavior and engagenment in online lending. Moreover, Generation Z tends to have lower levels of financial literacy compared to other generations. This community service program was conducted for Generation Z, specifically senior high school students at SMA Averos in Sorong City. The activity aimed to improve students’ understanding of financial literacy and provide practical tips for effective financial management. The program was implemented in the form of a financial literacy socialization activity, with the expectation of fostering financial awareness among young people regarding the importance of managing their finances and developing positive financial attitudes. The results of this activity indicate that students were able to understand financial literacy concepts effectively, leading to increased awareness and the ability to manage their finances in a prudent and responsible manner.

The increasing variety of digital financial products has contributed to greater access to financial services. However, there is growing need to enhance financial literacy, particularly among Generation Z, which dominates the use of technology compared to other generations. This generation is highly proficient in utilizing technology, including financial technology, which facilitates economic transactions through digital transfers and payments. On the other hand, this convenience also creates financial vulnerabilities for Generation Z, as reflected in poor personal fianncial management that leads to consumptive behavior and engagenment in online lending. Moreover, Generation Z tends to have lower levels of financial literacy compared to other generations. This community service program was conducted for Generation Z, specifically senior high school students at SMA Averos in Sorong City. The activity aimed to improve students’ understanding of financial literacy and provide practical tips for effective financial management. The program was implemented in the form of a financial literacy socialization activity, with the expectation of fostering financial awareness among young people regarding the importance of managing their finances and developing positive financial attitudes. The results of this activity indicate that students were able to understand financial literacy concepts effectively, leading to increased awareness and the ability to manage their finances in a prudent and responsible manner.

Financial literacy is a fundamental skill that should be introduced from an early age to shape wise financial behavior. Elementary school students need to understand basic financial concepts to recognize the value of money, distinguish between needs and wants, and develop saving habits. However, many children still lack adequate financial literacy. This activity aims to improve financial literacy among elementary school students through a saving habituation strategy at SD Negeri 040530 Bunuraya, Bunuraya Village, Tigapanah District, Karo Regency, North Sumatra Province, Indonesia. The methods used included observation, teacher interviews, financial literacy socialization, and hands-on assistance in saving activities. The strategies implemented involved simple financial education, pocket money management simulations, creating piggy banks, and conducting regular saving programs at school. The results showed an improvement in students’ understanding of money functions, the importance of saving, and positive changes in financial behavior. Students became more accustomed to setting aside their pocket money and demonstrated more frugal and responsible attitudes. This activity indicates that consistent and structured saving habituation can be an effective strategy for improving children’s financial literacy from an early age.

This community service activity aimed to foster financial literacy awareness and develop wise financial behavior from an early age through the “Early Saving Movement” socialization program for fifth-grade students of SDN Antasan Besar 7 Banjarmasin. The activity was conducted face-to-face using an interactive approach that included the delivery of educational materials, group discussions, question-and-answer sessions, simple simulations of money management, and the administration of pre- and post-activity questionnaires to measure changes in students’ knowledge and attitudes. The results of the analysis showed a significant increase in students’ motivation to save by 93% and an improvement in their understanding of the benefits of saving by 58%. These findings indicate that direct socialization methods accompanied by active student engagement are effective in enhancing elementary school students’ financial literacy and interest in simple and practical financial management. However, challenges were still found in controlling students’ consumptive behavior, which is influenced by the family environment and daily social interactions. Therefore, follow-up efforts are needed in the form of regular saving habit programs and the involvement of parents and teachers in supervising students’ financial behavior. Overall, this activity had a positive impact on shaping students’ discipline, responsibility, and financial independence from an early age.

This study focuses on analyzing how financial literacy, risk perception, and income level influence investment decision-making among students. The background of this analysis arises from the low understanding of financial management and the importance of risk considerations in investment among students. A quantitative survey method was employed, involving 93 students selected through purposive sampling. Data were processed using multiple linear regression analysis along with validity, reliability, and classical assumption tests. The findings indicate that financial literacy and risk perception have a significant positive effect on investment decisions, while income does not have a partial effect. Simultaneously, all three variables positively influence investment decisions. These results emphasize the need for students to understand financial literacy and risk awareness to make informed investment decisions. The practical implications of this study support the development of effective financial education for students and serve as a reference for future research on investment behavior and personal financial management.

This research aimed to examine how financial literacy and the use of digital payment systems impact students' financial behavior in the Tasikmalaya area. Although digital wallets are widely used for transactions, many students do not realize that this ease of access can shape their financial habits. Often, e-wallets are seen purely as convenient tools, without acknowledging their influence on spending patterns and money management. A quantitative method was employed, with data gathered via questionnaires distributed to 140 student respondents. The findings show that financial literacy significantly affects financial behavior on its own, while e-wallet usage does not have a notable individual impact. Nevertheless, when both variables are analyzed simultaneously, they significantly influence financial behavior. These outcomes are consistent with the Theory of Planned Behavior, which explains that personal attitudes, control over behavior, and habits collectively contribute to financial decisions.Based on these results, the study suggests that improving financial literacy is crucial so that students can make more informed decisions and manage their finances wisely when using digital wallets.

The accelerated progress in technology alongside the global integration of digital trends have significantly shaped the financial behavior of Generation Z. This demographic often displays short-term financial tendencies, such as impulsive spending, the adoption of the “You Only Live Once” (YOLO) mindset, and doom spending, which often undermines long-term financial planning. This study seeks to examine the extent to which love of money, financial literacy, and financial attitude influence personal financial management among members of GenBI South Sumatra. Information was obtained via surveys distributed to 63 participants, proportionally selected from a total population of 175 students from UIN Raden Fatah, Sriwijaya University, and Sriwijaya State Polytechnic. The study employed a quantitative research design using Structural Equation Modeling (SEM) method  with the SmartPLS 3.2.9 software. The data reveal that love of money, financial literacy, and financial attitude each have a positive and statistically significant impact on the personal financial management of Generation Z.

This community service activity aims to improve financial literacy among students of SMAN 8 Tambun Selatan through socialization of personal financial records. Based on initial identification, it was found that many students did not understand the importance of recording income and expenses, and were not used to preparing a monthly budget. Through an interactive counseling approach and evaluation questionnaire, students were provided with an understanding of the basic concepts of financial management, the importance of distinguishing needs and wants, and the practice of daily financial records. The evaluation results showed that 96.6% of students understood the material presented, and more than 60% expressed interest in starting regular financial records. This activity proves that financial literacy education can encourage changes in attitudes and financial behavior that are wiser from school age.

The purpose of this study was to determine how much students' attitudes toward financial management were influenced by their social surroundings, financial experience, and financial literacy. This kind of study uses a quantitative, explanatory methodology. The population is students of the Faculty of Economics and Social Sciences Sultan Fatah University Demak as many as 110 people. Because the entire population is used, the sampling method uses saturated samples. Information was gathered using an online survey and using multiple linear regression analysis techniques. Respondents' answers were measured using a Likert scale with SPSS version 25 tools. According to the study's findings, the dependent variable is significantly impacted by each independent component taken combined. Taken alone, financial management literacy is not influenced by the social environment, while financial management literacy is significantly influenced by financial experience and financial literacy.

This research aims to analyze the influence of Financial Literacy and Financial Attitudes on the Financial Management Behavior of Accounting Students, Faculty of Economics and Business, Nusa Nipa University. This type of research is quantitative research with an associative approach. The sampling technique uses probability sampling, a type of Stratified random sampling method, where the sample is determined and determined randomly by dividing the population into several sub-classes and semesters with a sample size of 84 people. The data collection technique used a questionnaire (google form) which was distributed to 84 respondents. Data analysis used multiple linear regression analysis using the Statistical Package for the Social Sciences (SPSS) version 25. The results of this study showed that partially the sig. of financial literacy is 0.000 < 0.05 with a calculated t value of 3.814, Sig. of financial attitude is 0.008 < 0.05 with a calculated t value of 2.703 and simultaneously the sig value from the F test shows that the sig value. from the test is 0.000 < 0.05 with a calculated F of 16.010, so it is concluded that partially or simultaneously Financial Literacy and Financial Attitudes have a significant effect on Student Financial Management Behavior.

From survey data conducted by the Financial Services Authority regarding national finance, the financial literacy index in Banten is still below the national average of 45.19 percent. This was conveyed directly by the Head of OJK Jabodetabek and Banten Province in 2022. The low financial literacy index in Banten, OJK invites to jointly improve finance in the community, especially in students. Financial literacy is knowledge, skills, beliefs that influence a person's financial attitudes and behavior to improve the quality of decision making and financial management in order to achieve prosperity. This study uses a survey method in collecting answers from respondents. Using 50 samples of students at Banten State Islamic University who were randomly selected. The results of data collection through questionnaires that will be processed and analyzed using linear regression statistical methods. Based on this, it was found that financial literacy with indicators of basic knowledge of personal finance, personal financial records, and financial behavior had an effect on student financial management.        

The development of financial management was pioneered by the behavior of a person in the decision-making process. Financial management must lead to responsible financial behavior so that all finances for both individuals and families can be managed properly. Early financial planning will help a person to realize his life goals. A student is an age at the stage of self-development to establish attitudes and lifestyle behaviors and be able to carry out good financial planning by understanding financial literacy correctly. This research was conducted by distributing questionnaires via Google form to students at SMKN 1 Jetis who met the research criteria, namely ages 16-18 years. The research sample was 1256 students using a purposive sampling technique, so that 93 respondents were needed. The data analysis technique uses multiple linear regression data analysis with the help of SPSS 25. The results show that the financial literacy variable has a positive and significant influence on financial management behavior, lifestyle has a positive and significant influence on financial management behavior, and financial literacy and lifestyle variables simultaneously influence the behavior of financial management.