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"Penelitian ini memiliki tujuan untuk mengetahui pengaruh financial knowledge, financial attitude, locus of control terhadap financial management behavior pada mahasiswa di Indonesia. Penelitian ini juga menguji peran financial risk tolerance sebagai variabel moderasi yang dapat memperkuat atau memperlemah pengaruh financial knowledge, financial attitude, locus of control terhadap financial management behavior. Data yang diperoleh sebanyak 447 responden melalui survei cross sectional yang kemudian diolah dan dianalisis menggunakan Partial Least Square-Structural Equation Method (PLS-SEM). Hasil dari penelitian ini menunjukkan bahwa financial knowledge berpengaruh positif terhadap financial attitude. Financial knowledge, financial attitude, dan internal locus of control berpengaruh positif terhadap financial management behavior. Financial attitude memediasi pengaruh antara financial knowledge terhadap financial management behavior dan hubungan mediasi ini termasuk complementary mediation. Pengaruh antara financial knowledge, financial attitude, dan internal locus of control terhadap financial management behavior tidak dimoderasi oleh financial risk tolerance. Penelitian ini diharapkan dapat meningkatkan kesadaran mahasiswa tentang pentingnya financial management behavior dan pentingnya mengelola keuangan.

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This study aims to determine the effect of financial knowledge, financial attitude, locus of control on financial management behavior among students in Indonesia. This study also investigates the role of financial risk tolerance as a moderating variable that can strengthen or weaken the effect of financial knowledge, financial attitude, and locus of control on financial management behavior. The data obtained by 447 respondents through a cross-sectional survey were then processed and analyzed using the Partial Least Square-Structural Equation Method (PLS-SEM). The results of this study indicate that financial knowledge has a positive effect on financial attitude. Financial knowledge, financial attitude, and internal locus of control positively affect financial management behavior. Financial attitude mediates the influence between financial knowledge on financial management behavior and this mediation relationship includes complementary mediation. This study does not find the significant role of financial risk tolerance in moderating the effect of financial knowledge, financial attitude, and internal locus of control on financial management behavior. This research is expected to increase student awareness about the importance of financial management behavior and the importance of managing finances."

"Pengelolaan keuangan merupakan suatu hal yang penting di zaman ini, perkembangan digital membuat setiap orang dengan sangat mudah untuk mendapatkan apapun termasuk membeli makanan, pakaian dan sebagainya. pengelolaan keuangan harus dilakukan dengan baik supaya setiap individu dapat terhindar dari kesulitan keuangan. Pengelolaan keuangan yang baik, tentu didasarkan pada pengetahuan mengenai konsep keuangan. Pemahaman tersebut akan menentukan bagaimana individu berperilaku dalam mengelola keuangan yang dimiliki. Pemahaman mengenai keuangan akan membentuk sikap keuangan mahasiswa dan dapat menentukan perilaku keuangan yang baik maupun buruk. Perilaku keuangan yang baik dapat dipengaruhi juga oleh kontrol diri mahasiswa, semakin baik kontrol diri maka semakin baik mahasiswa dalam mengambil keputusan keuangan. Dalam mengatur keuangan, faktor religiusitas juga dapat menentukan perilaku seseorang dalam mengambil keputusan keuangan. Memasukkan unsur religiusitas (iman) akan mempengaruhi perilaku keuangan individu menjadi lebih baik. Jenis penelitian ini adalah penelitian kualitatif dengan teknik purposive sampling menggunakan metode analisis deskriptif dengan jumlah 189 sampel mahasiswa bidikmisi. Hasil penelitian menunjukkan bahwa financial knowledge, financial attitude, kontrol diri dan religiusitas berpengaruh signifikan terhadap perilaku keuangan dan hasil penelitian juga menunjukkan bahwa financial knowledge adalah faktor yang paling dominan mempengaruhi perilaku pengelolaan keuangan mahasiswa. 

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Financial management is an important thing in this era, digital developments make it very easy for everyone to get anything including buying food, clothes and so on. Financial management must be carried out properly so that each individual can avoid financial difficulties. Good financial management, of course, is based on knowledge of financial concepts. This understanding will determine how individuals behave in managing their finances. An understanding of finance will shape students' financial attitudes and can determine good or bad financial behavior. Good financial behavior can also be influenced by student self-control, the better self-control, the better students are in making financial decisions. In managing finances, the religiosity factor can also determine a person's behavior in making financial decisions. Incorporating elements of religiosity (faith) will affect individual financial behavior for the better. The type of research is qualitative research with purposive sampling technique using descriptive analysis method with a total sample of 189 Bidikmisi students. The results showed that financial knowledge, financial attitudes, self-control and religiosity had a significant effect on financial behavior and the results also showed that financial knowledge was the most dominant factor influencing student financial management behavior."

"Perilaku keuangan mengharuskan milenial memiliki pengetahuan keuangan agar bisa mengevaluasi kemampuan yang dimiliki untuk kemudian diterapkan dalam kehidupan masing-masing. Tujuan penelitian ini adalah untuk menganalisis pengaruh financial attitude, financial self efficacy, dan financial planning activity terhadap financial management behavior pada generasi milenial muslim. Sampel dalam penelitian yaitu generasi milenial yang saat ini berusia 26-41 tahun dan diperoleh sebanyak 202 responden melalui kuesioner yang disebarkan diberbagai media sosial secara online. Pengolahan data primer menggunakan metode Covariance-based Structural Equation Modelling (CB-SEM) dengan software SPSS LISREL 8.8. Hasil penelitian menunjukkan bahwa financial attitude, financial self efficacy, dan financial planning activity berpengaruh positif terhadap financial management behavior. Kemudian religiosity tidak memberikan pengaruh moderasi yang signifikan pada hubungan antara financial attitude dengan financial management behavior maupun hubungan antara financial planning activity dengan financial management behavior. Namun, religiosity didapati memberikan pengaruh moderasi yang signifikan negatif pada hubungan antara financial self efficacy dengan financial management behavior.

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Financial behavior requires millennials to have financial knowledge to better evaluate their abilities in order to be applied in their lives. The purpose of this study is to analyze the effect of financial attitude, financial self-efficacy, and financial planning activity on financial management behavior in the muslim millennial generation. This study uses millennial generation who are currently 26-41 years old as a sample and had obtained as many as 202 respondents through questionnaires shared on various online social media. Primary data processing is done using the Covariance-based Structural Equation Modeling (CB-SEM) method with SPSS LISREL 8.8 software. The results showed that financial attitude, financial self efficacy, and financial planning activity had a positive effect on financial management behavior. Then religiosity does not have a significant moderation effect on relationship between financial attitude and financial management behavior nor the relationship between financial planning activity and financial management behavior. However, religiosity have a significant negative moderating effect on the relationship between financial self-efficacy and financial management behavior."

"Penelitian ini dilakukan untuk mengetahui bagaimana peran moderasi fitur gamifikasi aplikasi keuangan pada hubungan financial planning activity, financial attitude dan financial self-efficacy terhadap financial management behavior seseorang. Penelitian ini menggunakan sampel pengguna aplikasi keuangan yang termasuk ke dalam bagian generasi Z, yaitu penduduk yang lahir antara kurun waktu 1997-2012 serta berdomisili di wilayah Jabodetabek. Penelitian ini merupakan penelitian kuantitatif dengan survei cross-sectional. Metode Covariance Based-Structural Equation Model (CB-SEM) digunakan untuk mengolah data primer dengan bantuan software LISREL 8.8. Hasil penelitian menunjukkan bahwa financial planning activity (FPA), financial attitude (FA) dan financial self-efficacy (FSE) pengaruh positif terhadap financial management behavior (FMB) individu. Selain itu, fitur gamifikasi pada aplikasi keuangan secara positif signifikan memoderasi pengaruh financial planning activity terhadap financial management behavior individu, namun secara negatif signifikan memoderasi pengaruh financial self efficacy terhadap financial management behavior individu. Terakhir, fitur gamifikasi tidak memiliki peran moderasi yang signifikan terhadap hubungan financial attitude dan financial management behavior individu.

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This research was conducted to find out the moderating role of financial application gamification features in the relationship between financial planning activities, financial attitudes and financial self-efficacy towards a person's financial management behavior. This study uses financial application users as a sample who are part of the Z generation (born between 1997-2012) and domiciled in the Jabodetabek region. This research is a quantitative study with a cross sectional survey. The Covariance Based-Structural Equation Model (CB-SEM) method was used to process primary data with the help of LISREL 8.8 software. The results showed that financial planning activity (FPA), financial attitude (FA) and financial self-efficacy (FSE) had a positive effect on individual financial management behavior (FMB). In addition, the gamification feature in financial applications significantly moderates the effect of financial planning activities on individual financial management behavior, but negatively moderates the influence of financial self-efficacy on individual financial management behavior. Finally, the gamification feature does not have a significant moderating role on the relationship between financial attitude and individual financial management behavior."