PENGARUH GAYA HIDUP, MENTAL ACCOUNTING DAN LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN MAHASISWA PENERIMA KIP KULIAH UNIVERSITAS PAT PETULAI ANGKATAN 2021-2023

Abstract

The purpose of this study was to examine how lifestyle, mental accounting, and financial literacy affect the financial management of KIP Kuliah recipient students at Pat Petulai University, class of 2021–2023. A quantitative descriptive approach with purposive sampling as the sampling technique. The sample size with the Slovin approach was 100 students. The quantitative data used came from questionnaires given to students. Descriptive statistics and multiple linear regression analysis using SPSS version 30 software were the data analysis techniques used. According to the research findings, lifestyle has a positive and significant impact on the financial management of KIP Kuliah recipient students, while mental accounting has a negative and significant impact. In addition, financial literacy has a positive and significant impact on the financial management of KIP Kuliah recipient students. As well as lifestyle, mental accounting, and financial literacy all have a simultaneous impact on the financial management of KIP Kuliah recipient students at Pat Petulai University, class of 2021–2023.