The Impact of Financial Literacy and Lifestyle on Financial Behavior
Keywords:
Financial Literacy, Lifestyle, Financial BehaviorAbstract
This study examines the influence of Financial Literacy and Lifestyle on Financial Behavior among Universitas Muhammadiyah Semarang students from the 2020-2023 cohorts, using primary data collected through surveys and observations of 120 respondents. The analysis, performed with multiple linear regression via SPSS v17, reveals that financial literacy, lifestyle, gender differences, and residence location significantly impact students' financial behavior. Enhanced financial literacy leads to better financial management and positive behavior, while a well-managed lifestyle supports improved financial planning. The study finds notable differences in financial management between genders, with males focusing on utility and females on pleasure, and highlights how residence location affects financial management practices. These factors collectively shape students' financial behavior.
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