Analysis of Decision-Making Behavior in Financial Management of Makassar City Students
Keywords:
Financial Literacy, Financial Behavior, Decision-Making, University Students, Financial ManagementAbstract
Financial management behavior among university students has become an increasingly important issue in the modern economic environment, particularly with the rapid growth of digital financial services and consumption-oriented lifestyles. Many students face challenges in making rational financial decisions due to limited financial literacy and increasing spending pressures. Therefore, this study aims to analyze the factors influencing financial decision-making behavior among students in Makassar City. This research employs a quantitative research design using a survey method. Data were collected from 150 university students in Makassar City selected through purposive sampling. The research instrument consisted of structured questionnaires measuring financial literacy, financial attitudes, lifestyle, and financial management behavior. Data analysis was conducted using multiple linear regression analysis with the assistance of statistical software to test the proposed hypotheses. The results show that financial literacy and financial attitudes have a significant positive effect on financial management behavior, while lifestyle has a significant influence on spending decisions. These findings indicate that improving financial literacy and responsible financial attitudes can enhance students’ financial decision-making. The study contributes to the development of financial behavior research and provides practical implications for financial education programs in higher education institutions.
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