The Effect of Financial Attitude and Financial Knowledge on Financial Management Behavior with Self-Control as an Intervening Variable on Management Students of The First Class of Royal University

This study was conducted to determine the effect of Financial Attitude (X1), Financial Knowledge (X2), on Financial Management Behavior (Y) with Self-Control as an Intervening Variable (Z) with the object of research being Management Students of Batch 1 of Royal University. The population in this study was 67 respondents, then a saturated sampling technique was used so that the sample took all the population into a sample of 67 respondents. Data analysis used the Structural Equation Modeling – Partial Least Squares (SEM-PLS) method through SmartPLS 4 software. The test results showed that Financial Attitude had a positive and significant effect on Financial Management Behavior, Financial Attitude had a positive and significant effect on Self-Control, Financial Knowledge had a positive and significant effect on Financial Management Behavior, Financial Knowledge had a positive and significant effect on Self-Control, Financial Attitude had a positive and significant effect on financial management behavior through self-control, and Financial Knowledge had a positive and significant effect on financial management behavior through self-control.