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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.

In order to identify the elements that motivate young people to manage their finances, this study will examine a number of connected topics, including financial knowledge, financial attitudes, income, and religiosity. Primary data, which are questionnaires that are processed using SPSS 25, and secondary data that provide support are the sources of the study data. The findings demonstrated that financial knowledge and religiosity had an effect and were significant on financial management behavior, while financial attitudes and income did not affect financial management behavior.

This study aims to analyze the effect of e-wallet usage on the financial management behavior of Pamulang University students, South Tangerang. With the increasing development of technology, e-wallets have become one of the payment instruments widely used by the public, especially the younger generation. This study uses a quantitative approach with a survey method by distributing questionnaires to Pamulang University students. The results of the study indicate that there is a significant relationship between e-wallet usage and students' financial management behavior, especially in terms of budget management, recording expenses, and financial discipline. This study provides recommendations for improving financial literacy among students in order to maximize the benefits of using e-wallets.

This research explores the influence of financial literacy, self-confidence in managing personal finances, and the use of fintech payments on the personal financial management of Sharia Financial Management students at UIN Sayyid Ali Rahmatullah Tulungagung. This research is motivated by students' lack of understanding regarding personal financial management, which has the potential to affect their readiness to face financial challenges in the future. Through good financial literacy and self-confidence in managing finances, students are expected to be able to manage their finances more wisely. On the other hand, the use of fintech payments is also thought to have an influence on students' financial management behavior. This research uses a quantitative approach with associative methods and purposive sampling techniques, involving 86 students from the class of 2020-2022. Data was collected via questionnaire, then analyzed using multiple linear regression via SPSS-26. The research results show that financial literacy, financial self-efficacy, and payment fintech together have a positive and significant influence on personal financial management, financial literacy has a positive and significant influence, financial self-efficacy has a positive and significant influence, and payment fintech also has an influence positive and significant on students' personal financial management.

Financial management is a key aspect in achieving financial well-being of the community. However, the level of financial literacy in Indonesia is still low, requiring education and development of financial literacy to reduce ineffective financial decisions. The Financial Services Authority (OJK) and Universitas Gadjah Mada (UGM) are actively encouraging the improvement of financial literacy, with a focus on education, national campaigns, strengthening infrastructure, and developing affordable financial service products. Financial literacy, which includes knowledge, understanding, skills, and motivation in making financial decisions, has a positive impact on financial management behavior. Individuals with higher levels of financial literacy tend to make better financial decisions, avoid investment fraud, and understand the principles of financial planning. However, income also plays an important role as a moderator, influencing the relationship between financial literacy and financial management. Individuals with low incomes tend to have lower financial literacy, which can affect their financial management practices. Therefore, challenges such as behavioral bias and external factors can affect financial literacy and its management implementation.

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.        

This research aims to examine the influence of fintech payments, financial socialization and financial experience on financial management behavior. This research uses quantitative descriptive methods. The population in this study were active students at Muhammadiyah University of Sidoarjo, totaling 12,730 students and used a purposive sampling technique. The sample was determined using the Slovin formula and a sample of 99 respondents was obtained. The research data source is primary data. The analysis technique uses Partial Last Square with Smart PLS 3.0. The research results show that fintech payment, financial experience and financial socialization partially have a significant effect on financial management behavior.

The purpose of this study was to determine the effect of Islamic financial literacy, lifestyle and self-control on financial management behavior in FEBI UIN Sulthan Thaha Saifuddin Jambi students. The method used is quantitative method, using SPSS 29. The sample in this study were 95 samples of students from class 2020, 2021, and 2022 by distributing questionnaires. The results showed that there was no significant influence between Islamic financial literacy on financial management behavior, with a tcount < ttable value, namely (1.498 < 1.986) or Sig> a (0.05) value, namely 0.137> 0.05. There is a significant influence between lifestyle on financial management behavior, with a tcount> ttable value, namely (2.645> 1.986) or Sig value < a (0.05), namely 0.010 < 0.05. There is a significant influence between self control on financial management behavior, with a tcount> ttable value, namely (5.090> 1.986) or Sig value < a (0.05), namely 0.000 < 0.05. There is a joint influence between the variables of Islamic financial literacy, lifestyle and self control simultaneously on financial management behavior with a value of 0.001 <0.05 and a value of fcount> ftabel (36.916> 3.10.).

This research aims to investigate and analyze the influence of financial knowledge, financial attitude and locus of control variables on personal financial management behavior of undergraduate students in the Management Study Program at Primagraha University class of 2021. This research applies a quantitative approach using primary data with a non-probability sampling method using purposive techniques sampling.. Data collection technique by distributing questionnaires to 50 undergraduate students of the Management Study Program at Primagraha University class of 2021. The test results show that financial knowledge towards personal financial management behavior shows a calculated t value = -4.683 and a sig probability value of 0,000. The financial attitude variable towards personal financial management behavior shows a t value = 8.956 and a sig probability value of 0,000. And the locus of control variable on personal financial management behavior shows a t value = 3.180 and a sig probability value of 0,003. The results of this research partially show that the variables financial knowledge, financial attitude, and locus of control have a significant influence on personal financial management behavior.