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The Influence of Financial Knowledge, Financial Attitude, Financial Self-Efficacy, and Parental Financial Socialization on Financial Management Behavior in State University Students in Surabaya

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DOI: 10.18535/sshj.v9i04.1812· Pages: 7567-7579· Vol. 9, No. 05, (2025)· Published: May 1, 2025
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Abstract

Financial management behavior denotes an individual's ability to strategize, allocate, oversee, control, identify, and save resources in everyday life.   This behavior is influenced by several factors, including financial literacy, financial disposition, financial self-efficacy, and parental financial socialization.   This study aims to examine the factors influencing financial management behavior, specifically among foreign students as they endeavor to handle their finances independently.

The study population consists of State University students living in Surabaya City who have received financial education.   This study had 120 respondents chosen via purposive sampling, with data gathered using questionnaires and processed using SmartPLS.

The results demonstrated that financial knowledge, financial attitude, and financial self-efficacy affect students' financial management behaviors; however, parental financial socialization did not consistently have a direct impact on these behaviors.

Keywords: Financial knowledge, Financial attitude, Financial self efficacy, Parental financial socialization, Financial management behavior.

Keywords

financial knowledgefinancial attitudefinancial self efficacyparental financial socializationfinancial management behavior

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Author details
Alfiyyah Annura Abigail
Universitas Pembangunan Nasional "Veteran" East Java
✉ Corresponding Author
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Yuniningsih
Universitas Pembangunan Nasional Veteran Jawa Timur
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G. Oka Warmana
Universitas Pembangunan Nasional "Veteran" East Java
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