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September 10, 2025Jurnal Informasi dan Teknologi

An Empirical Study on the Influence of Financial Literacy on Personal Financial Management among University Students in Indonesia

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Authors

PRPutri RatnasariRNRizka Aisyah NurjannahYKYulianti Karoma

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Overview

Quantitative analysis reveals that financial literacy enhances personal financial management in students, suggesting education programs are needed.

Key Points

  • Financial literacy significantly improves personal financial management among university students.
  • Students with high financial literacy are better at budgeting, saving, and avoiding excessive debt.
  • Digital technology usage, like mobile banking, enhances financial management by facilitating real-time tracking.
  • Demographic factors such as gender and age had no significant effect on students' financial management.

Cite This Study

Ratnasari et al. (2025) studied this question.

synapsesocial.com/papers/68c24126b210217d6479d8ffhttps://doi.org/10.60083/jidt.vi0.679
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Financial Literacy at an Early Age: The Role of Digital Technology in Students' Financial Literacy2025 · 2 citations
  2. 2Pengaruh Literasi Keuangan dan Sikap Keuangan terhadap Perilaku Keuangan pada Mahasiswa2025 · 1 citations
  3. 3FINANCIAL MANAGEMENT BEHAVIOR AMONG MANAGEMENT STUDENTS: THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL TECHNOLOGY, AND LIFESTYLE2025
  4. 4The Influence of Financial Literacy, Family Environment, and Lifestyle on Financial Management of Economic Education Students2025
  5. 5Digital financial literacy and consumer financial behavior in emerging markets: Evidence from Indonesia2025 · 1 citations