MODERASI LITERASI KEUANGAN TERHADAP PENGARUH PEER INFLUENCE DAN SELF-CONTROL PADA PERENCANAAN KEUANGAN MAHASISWA

Boarding house students are required to have the ability to manage finances independently because they are not always under the direct supervision of their parents. This condition makes students have to control their monthly money, prioritize needs, control expenses, and avoid consumptive habits that can disrupt financial stability. This study aims to analyze the influence of Peer Influence, Self-Control, and Financial Literacy on the Financial Planning of Boarding Students of Muhammadiyah Ponorogo University. This study also aims to determine the role of Financial Literacy as a moderation variable in the relationship between Peer Influence and Self-Control to Financial Planning. The population in this study is active students of the University of Muhammadiyah Ponorogo Class of 2022 and 2023. The research sample was determined using a non-probability sampling technique with a purposive sampling approach, namely students of the Class of 2022 and 2023 who live in boarding houses. The data used is primary data obtained through the distribution of questionnaires online using Google Form. The research data was analyzed using SPSS 26 using the Moderated Regression Analysis (MRA) method. The results of the study show that Peer Influence, Self-Control, and Financial Literacy have a positive and significant effect on Student Financial Planning. However, Financial Literacy is not able to moderate the influence of Peer Influence or Self-Control on Financial Planning.