FINANCIAL BEHAVIOR AMONG UNIVERSITY STUDENTS

This study aims to determine the effect of financial literacy on student financial behavior with financial attitude as an intervening variable. This research is a survey research with 94 respondents from Students of Universitas Putra Bangsa. The data collection uses a closed questionnaire modified likert scale which has been tested for validity and reliability. The data analysis used multiple linear regression analysis, path analysis, and sobel Test, which had previously been tested for analysis prerequisites including normality, multicollinearity, and heteroscedasticity tests. The results showed that financial literacy has a positive effect on students' financial attitude and financial behavior; financial attitude has a positive effect on financial behavior; and financial attitude is able to mediate the effect of financial literacy on financial behavior.
Keywords: financial literacy, financial attitude, financial behavior, university students