Analysis of the Influence of Financial Literacy, Mental Accounting, Financial Attitude on Financial Management Behavior with Lifestyle as an Intervening Variable on Accounting Postgraduate Students in Medan

This study aims to determine financial literacy, mental accounting, and financial attitudes toward financial management behavior. This study uses an intervening variable, namely lifestyle. The population in this study was all active postgraduate students in the accounting study program. Based on the quota sampling method, the sample obtained was 100 respondents. Data analysis used path analysis with the help of SEM PLS software. The results of this study indicate that Financial Literacy has a significant and positive effect on the financial management behavior of Postgraduate students in Medan City, Mental Accounting has a significant and positive effect on the financial management behavior of Postgraduate students in Medan City, Financial Attitude has a significant and positive effect on the financial management behavior of Postgraduate students in Medan City, Financial Literacy has a significant and positive effect on the Lifestyle of Postgraduate students in Medan City, Mental Accounting has a significant and positive effect on the Lifestyle of Postgraduate students in Medan City, Financial Attitude has a significant and positive effect on the Lifestyle of Postgraduate students in Medan City, Lifestyle has a positive and significant effect on Financial Management Behavior of Postgraduate students in Medan City, Lifestyle mediates the effect of Financial Literacy on Financial Management Behavior of Postgraduate students in Medan City, Lifestyle mediates the effect of Mental Accounting on Financial Management Behavior of Postgraduate students in Medan City and Lifestyle mediates the effect of Financial Attitude on Financial Management Behavior of Postgraduate students in Medan City. Keywords: financial literacy, mental accounting, financial attitude, and financial management behavior