The Influence Of Financial Literacy On Personal Financial Management Of Students Of The Faculty Of Economics And Business, Andi Djemma University

Abstract

In today's modern era, students must have financial intelligence, namely intelligence in managing finances. When a student is able to make the right decisions about finances, there will be no financial problems in the future and is able to show healthy financial behavior and be able to determine which needs are not wants. However, not a few students tend to spend their money on things they want rather than for brand needs. Therefore, this study aims to determine the effect of financial literacy on personal financial management of students of the Faculty of Economics, Andi Djemma University. Data collection using primary data obtained from questionnaires, interviews and observations. The sample in this study was 93 students of the Faculty of Economics and Business, Andi Djemma University. The data analysis technique used is simple linear regression using the SPSS application. The results showed that partially financial literacy had a positive and significant effect on personal financial management of students of the Faculty of Economics and Business, Andi Djemma University. This means that the better the financial literacy of students, the better the management of students' personal finances will be well organized. And vice versa when student financial literacy is not good, students' personal financial management will be chaotic.