PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN DAN GAYA HIDUP TERHADAP PERILAKU KEUANGAN MAHASISWA

This study aims to analyze the influence of financial literacy, financial inclusion, and lifestyle on the financial behavior of UMM's 21st batch of Management study program students. The method used in this study is a quantitative approach with the application of multiple linear regression analysis with the help of SPSS 26. The research respondents consisted of 100 UMM's 21 batch of Management study program students. Data were collected through distributing questionnaires that had been tested for validity and reliability to determine the accuracy and consistency of the instrument. The results of the analysis show that partially, the three independent variables of financial literacy, financial inclusion, and lifestyle have a positive and significant influence on students' financial behavior. This means that the higher the level of financial literacy and inclusion possessed by students, and the better they are in managing their lifestyle, the better the financial behavior they show. Simultaneously, financial literacy, financial inclusion, and lifestyle have a positive and significant influence on students' financial behavior. These findings confirm that strengthening financial literacy and inclusion, accompanied by a balanced lifestyle, is very important in forming wise and responsible financial behavior among students.