PENGARUH PENDAPATAN, PENGENDALIAN DIRI, DAN KEMUDAHAN TRANSAKSI TERHADAP PENGELOLAAN KEUANGAN PRIBADI MAHASISWA FEB UNSRAT

This study aims to analyze the effect of income, self-control, and transaction ease on the personal financial management of students at the Faculty of Economics and Business, Sam Ratulangi University (FEB Unsrat) Manado, both partially and simultaneously. This quantitative study used purposive sampling and a Likert-scale questionnaire distributed to 95 FEB Unsrat student respondents. Data analysis employed validity and reliability tests, classical assumption tests, and multiple linear regression with F-test and t-test using SPSS software. The results show that simultaneously income, self-control, and transaction ease have a positive and significant effect on personal financial management (F = 32.958; sig = 0.000). Partially, income has a positive and significant effect (B = 0.287; t = 3.046; sig = 0.003) and self-control has a positive and significant effect (B = 0.590; t = 7.074; sig = 0.000) on personal financial management, while transaction ease has no significant effect (B = 0.038; t = 0.356; sig = 0.723). The coefficient of determination R² = 0.521 indicates that 52.1% of the variation in personal financial management can be explained by the three independent variables. Suggestions: students should optimize their income and strengthen self-control in spending, as well as prepare budgets and financial records to manage their finances more effectively. Keywords: income, self-control, transaction ease, personal financial management.