Authors :
Enricho Yoga Aditama; Yuniningsih Yuniningsih
Volume/Issue :
Volume 8 - 2023, Issue 8 - August
Google Scholar :
https://bit.ly/3TmGbDi
Scribd :
https://tinyurl.com/4ccasxsw
DOI :
https://doi.org/10.5281/zenodo.8262568
Abstract :
Personal finance management is a skill that a
person needs, in order to manage their finances in a
balanced manner between expenses and income so that
later there is no failure in managing their finances.
However, there are several factors that can affect whether
or not someone is successful in managing their finances.
With financial self-efficacy acting as an intermediary
variable, the aim of this study was to ascertain the
relationship between financial self-efficacy, love of
money, and self-control on personal financial
management.. This research is quantitative in nature with
primary data obtained through distributing
questionnaires. The sample in this study used a purposive
sampling technique of 100 respondents who were
undergraduate students of UPN "Veteran" East Java.
Data analysis for this research is supported by SmartPLS
4.0. The findings of this study suggest that self-control,
love of money, and financial literacy have an impact on
personal financial management. The factors of financial
literacy, love of money, and self control on personal
financial management can then all be fully mediated by
the financial self-efficacy variable.
Keywords :
Financial Literacy; Love of Money; Financial Self Efficacy; Personal Financial Management.
Personal finance management is a skill that a
person needs, in order to manage their finances in a
balanced manner between expenses and income so that
later there is no failure in managing their finances.
However, there are several factors that can affect whether
or not someone is successful in managing their finances.
With financial self-efficacy acting as an intermediary
variable, the aim of this study was to ascertain the
relationship between financial self-efficacy, love of
money, and self-control on personal financial
management.. This research is quantitative in nature with
primary data obtained through distributing
questionnaires. The sample in this study used a purposive
sampling technique of 100 respondents who were
undergraduate students of UPN "Veteran" East Java.
Data analysis for this research is supported by SmartPLS
4.0. The findings of this study suggest that self-control,
love of money, and financial literacy have an impact on
personal financial management. The factors of financial
literacy, love of money, and self control on personal
financial management can then all be fully mediated by
the financial self-efficacy variable.
Keywords :
Financial Literacy; Love of Money; Financial Self Efficacy; Personal Financial Management.
