THE INFLUENCE OF FINANCIAL KNOWLEDGE, PERSONALITY, FINANCIAL ATTITUDES, AND INCOME ON FINANCIAL MANAGEMENT BEHAVIOR

Abstract

The rapid development of digital technology and the increasing accessibility of financial services have significantly transformed students’ financial behavior. In this context, adequate financial management skills become essential to ensure that students are able to manage their finances wisely, responsibly, and sustainably. This study aims to analyze the influence of financial knowledge, personality, financial attitude, and income on financial management behavior among students of the Islamic Financial Management Study Program at UIN Sayyid Ali Rahmatullah Tulungagung. The research employs a quantitative approach with an associative design to examine the relationships among variables. The population of this study consists of students enrolled in the Islamic Financial Management Study Program, with the sample selected using a purposive sampling technique. Data were collected through structured questionnaires using a Likert scale. The collected data were analyzed using multiple linear regression analysis, which included tests of validity and reliability, classical assumption tests, as well as hypothesis testing through the F-test, t-test, and coefficient of determination. The findings indicate that financial knowledge, personality, financial attitude, and income simultaneously and partially have a significant influence on students’ financial management behavior.