The Influence Of Financial Literacy And Hedonism Attitude On The Personal Finance Of Um Palopo Students

Abstract

This research is to see and analyze the influence of financial literacy and hedonistic attitudes on the personal finance of UM Palopo students. Where the sample used as respondents was 125 UM Palopo students consisting of 3 majors, namely, Accounting, Management and Development Economics. The data collection technique used was by distributing questionnaires to respondents. The research method used is multiple linear regression. The results of the research show that financial literacy has a big influence on students' personal finance, but the hedonism attitude variable has no effect on students' personal finance and variables financial literacy and t table (5.734 > 1.984), with a significant value of 0.000 so that in this table the significance value is <0.05 simultaneously which means it is accepted and the calculated F value is 48.752 > 1.984 F table. Referring to the results of statistical tests, hypothesis testing and discussion, it can be concluded that financial literacy has a simultaneous effect on personal finance. Furthermore, hedonic attitudes have no influence on personal finance, in other words, only knowledge about finance influences students' understanding of personal finance, but on the other hand, variable hedonistic attitudes has no influence on personal finance, this means that hedonistic attitudes have no influence on personal finance.