PENGARUH PENDIDIKAN KEUANGAN KELUARGA,TEMAN SEBAYA DAN FINANCIAL ATTITUDE TERHADAP PENGELOLAAN KEUANGAN PRIBADI MAHASISWA MELALUI LITERASI KEUANGAN SEBAGAI INTERVENING

The purpose of this study was to examine the direct influence of family financial education, peers, and financial attitudes on students' personal financial management and the indirect influence of family financial education, peers, and financial attitudes on students' personal financial management through financial literacy.This study is a quantitative study and the research sample was 155 students of Universities in Banyumas Regency. The method for determining the number of samples using the Hair et al. (2018) formula, namely multiplying the number of indicators by 5 and the sampling technique using purposive sampling. This study uses path analysis to analyze data with the help of the SPSS Version 29 program.This study found that family financial education, peers, and financial attitudes have a significant and positive effect on students' personal financial management. Research using intervening variables found that financial literacy is able to mediate the influence of family financial education and financial attitudes on students' personal financial management. However, financial literacy cannot mediate the influence of peers on students' personal financial management. Keywords: Family financial education, peers, financial attitudes, financial literacy, students' personal financial management.