ANALYSIS OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE IN INFLUENCING THE PERSONAL FINANCIAL MANAGEMENT OF UNIVERSITAS TERBUKA JAKARTA STUDENTS

Abstract

In the midst of digitalization and globalization, students are faced with increasingly complex financial challenges, especially for those who are studying remotely while working. The purpose of this study is to evaluate the extent to which financial literacy and financial attitudes influence how students manage their personal finances at the Open University Jakarta. This study used a quantitative approach through a survey with a questionnaire as the data collection instrument, which was purposively selected. Data analysis was conducted using multiple linear regression method to assess the contribution of each independent variable to the dependent variable on financial management. The findings show that both financial literacy and financial attitudes have a positive and significant influence on students' ability to manage their personal finances. This finding confirms the importance of increasing knowledge and forming a secure financial attitude, in order to encourage healthy financial behavior in the realm of students. Thus, efforts to strengthen financial literacy and the habituation of positive financial attitudes are strategic in supporting the financial well-being of the younger generation.