FINANCIAL MANAGEMENT BEHAVIOR AMONG MANAGEMENT STUDENTS: THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, AND LIFESTYLE

The purpose of this study was to examine the impact of financial literacy, financial technology, and lifestyle on financial management behavior among management Students at Nusa Cendana University. This study employed an associative quantitative methodology. Using the purposive sampling technique and the Slovin formula, 82 respondents were selected as samples from a total population of 436 students. Using SPSS version 25, multiple linear regression analysis was used to analyze the data. The results of this study show that financial literacy positively and significantly affects financial management behavior, while financial technology and lifestyle has no effect on financial management behavior. Simultaneously, all three independent variables were found to influence financial management behavior. This study aims to contribute to the literature on financial management behavior. The findings underscore the importance of enhancing financial literacy, optimizing the use of financial technology for effective money management, and adopting a healthy lifestyle to foster positive financial management behavior.