The Influence Of Financial Literacy, Financial Behavior, And Hedonistic Lifestyle On Financial Management University Students In Lubuklinggau City

Dheo Rimbano; Ade Famalika; Wisdalia Maya  Sari; Tri Agriana Sari; Widyana Widyana

doi:10.31004/riggs.v4i4.6147

Authors

Dheo Rimbano Universitas Bina Insan
Ade Famalika Universitas Bina Insan
Wisdalia Maya Sari Universitas Bina Insan
Tri Agriana Sari Universitas Bina Insan
Widyana Widyana Universitas Bina Insan

DOI:

https://doi.org/10.31004/riggs.v4i4.6147

Keywords:

Financial Literacy, Financial Behavior, Hedonistic Lifestyle, Financial Management

Abstract

The purpose of this study is to examine the influence of financial literacy, financial behavior, and hedonistic lifestyle on the financial management of students in Lubuklinggau City. This research adopts a quantitative approach using Structural Equation Modeling (SEM) with the SmartPLS application to analyze the relationships among variables. Data were collected from 100 high school students through a stratified random sampling technique to ensure representative results. The findings reveal that financial literacy has a positive and significant effect on financial behavior and financial management, indicating that students with higher financial knowledge tend to manage their finances more effectively. Furthermore, financial behavior also shows a positive and significant influence on financial management, suggesting that good habits such as budgeting, saving, and controlling expenses contribute to better financial outcomes among students. However, the hedonistic lifestyle variable does not show a significant impact on financial behavior or financial management. This indicates that although students may engage in modern or pleasure-oriented lifestyles, such tendencies do not necessarily determine their ability to manage finances. In general, student financial management is more strongly influenced by financial literacy and long-term financial awareness than by hedonistic lifestyle factors. These results highlight the crucial role of financial education in shaping responsible financial behavior and promoting sustainable financial management practices. Therefore, improving financial literacy and strengthening students’ understanding of financial planning are essential strategies to encourage efficient and sustainable financial management among young generations.

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