Pengaruh Financial Knowledge, Financial Attitude dan Financial Skill Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Fakultas Ekonomi Universitas Muhammadiyah Ponorogo

Today's teenagers get many benefits from technology for online shopping which makes shopping transactions easier. Driven by the internet, popular celebrities and a lifestyle that aims to appear trendier in line with global trends. Even though there are these conveniences, there are still many young people who do not understand properly and correctly the application of financial management science. Therefore, the aim of this research is to clarify the financial management behavior of students at the Faculty of Economics using the variables financial knowledge, financial attitude and financial skills. This research uses a quantitative approach using a purposive sampling method, and the sample size is determined using the Slovin formula obtained from economics students in 2020 and 2021. A Likert scale from 1 to 5 is used to measure the data. SEM data analysis through the SMART PLS 4.0 application with a multiple linear regression analysis model was used for data analysis in this research. The variable financial knowledge is have a negative influence on the financial management behavior, the variables financial attitude and financial skills are known to have a positive influence on the financial management behavior of economics student at Muhammadiyah University of Ponorogo.