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.