The Effect of Financial Knowledge and Lifestyle on Financial Management Behavior with Locus of Control as a Moderation
Abstract
The development of digital technology in Indonesia's financial sector has shown rapid growth in recent years. This development has led to the emergence of various technology-based financial service innovations that facilitate fast, practical, and efficient transactions.The purpose of this study was to determine the effect of financial knowledge and lifestyle on the financial management behavior of PayLater users at the Faculty of Economics at a State University in Malang City. This study used a quantitative type, with a population of 12,713 students, using proportional sampling. The sample used was 400 students. Data analysis used SEMPLS. The results of this study indicate that financial knowledge has an effect on financial management behavior, lifestyle has no effect on financial management behavior, locus of control cannot moderate financial knowledge, and locus of control can moderate lifestyle on financial management behavior.
Downloads
Copyright (c) 2026 Aulia Aisy Nurwasita, Puji Endah Purnamasari
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
