The Influence of Financial Literacy, Income, and Financial Attitude on Financial Planning
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Abstract
The phenomenon of consumerism among the younger generation is a serious concern. This increases financial vulnerability, particularly among Budi Luhur University students who are transitioning to independence. This study aims to analyze the influence of financial literacy, income, and financial attitudes on determining financial planning at Budi Luhur University students. This study used a quantitative approach with primary data collected through a Google Form questionnaire from 100 student respondents selected using purposive sampling. Data were analyzed using multiple linear regression using SPSS version 25. The results of the study showed that simultaneously, financial literacy, income, and financial attitudes significantly influenced financial planning, with a value of 0.000 < 0.05. This result indicates that these three factors play a significant role in shaping financial planning behavior. Partially, financial literacy (0.000<0.05) and financial attitude (0.003<0.05) showed a significant influence on financial planning, but the income variable (0.438>0.05) did not have a significant influence. Partially, students' financial planning is highly dependent on the level of knowledge (literacy) and psychological factors (attitude) towards money management, indicating that technical and mental abilities are more dominant than the amount of funds owned. Universities are advised to design campus-based financial education and literacy programs that not only enhance technical knowledge, but also actively shape disciplined and rational financial attitudes as the main foundation for effective and sustainable financial planning for students.
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