PENGARUH PENGETAHUAN KEUANGAN, SIKAP KEUANGAN DAN GAYA HIDUP TERHADAP PERILAKU PENGELOLAAN KEUANGAN PADA MAHASISWA MANAJEMEN EKONOMI ANGKATAN 2019 DAN 2020 UNIVERSITAS MUHAMMADIYAH PONOROGO

Financial management behavior is an individual's skill in making decisions by organizing and
utilizing financial resources (Listiyani et al., 2021). This behavior is influenced by many things,
including; Financial Knowledge, Financial Attitude and Lifestyle
This study uses a quantitative approach, namely data that can be calculated in the form of
numbers. This quantitative method research is intended to determine the effect of Financial
Knowledge, Financial Attitude and Lifestyle on Financial Management Behavior in Economic
Management Students Class of 2019 and 2020, Muhammadiyah University of Ponorogo. The
author's data analysis began with data collection and processing in the form of a closed questionnaire
with a Likert scale where the alternative answers are 1 to 5 scoring.
Based on the results of the discussion in accordance with the data managed with the multiple
linear regression analysis model, it is concluded that; Financial Knowledge, obtained a t count
value> t table (4.897> 1.984), then H0 is rejected, meaning that there is an effect of Financial
Knowledge on Financial Management Behavior. Financial Attitude, obtained a t count value> t table
(3.399> 1.984) then H0 is rejected, meaning that there is an effect of Financial Attitude on Financial
Management Behavior. Lifestyle, obtained a t count value> t table (3.085> 1.984) then H0 is
rejected, meaning that there is an effect of Lifestyle on Financial Management Behavior.
Financial Knowledge, Financial Attitude and Lifestyle simultaneously obtained the calculated
F value > F table (34.581 > 2.70) then H0 is rejected, meaning that there is an influence of Financial
Knowledge, Financial Attitude and Lifestyle on Financial Management Behavior.
Key Words: Financial Knowledge, Financial Attitude, Lifestyle and Financial
Management Behavior.