PENGARUH LITERASI KEUANGAN, PERENCANAAN KEUANGAN, DAN SIKAP KEUANGAN TERHADAP PENGELOLAAN KEUANGAN DIMODERASI GAYA HIDUP

This research aims to determine the influence of financial literacy, financial planning, and financial attitudes on financial management moderated by lifestyle. The sample selection technique used was purposive sampling. The sample in this research was 100 5th semester students at Muhammadiyah University of Sidoarjo. Data analysis techniques use SEM-PLS such as evaluating the outer model, inner model, and bootstrapping resampling with the Smart-PLS 4 program. Based on the results of hypothesis testing, it shows that the variables financial literacy, financial planning and financial attitude have a significant and positive effect on financial management. Meanwhile, lifestyle variables were proven not to moderate or weaken the variables of financial literacy, financial planning and financial attitudes in this study. So it can be concluded that financial literacy, financial planning and appropriate financial attitudes are really needed by students for good financial management. Meanwhile, an excessive lifestyle among students will weaken financial literacy, financial planning and students' financial attitudes towards financial management.