Financial Attitude, Financial Self-Efficacy dan Digital Financial Literacy terhadap Financial Well-Being pada Mahasiswa FEB Universitas Bumigora

Abstract

Financial well-being reflects an individual's ability to manage personal finances, meet current financial needs, and maintain financial security for the future. However, many university students still experience financial problems, including limited saving habits, excessive consumer spending, and concerns about their future financial conditions. This study aims to examine the effects of financial attitude, financial self-efficacy, and digital financial literacy on the financial well-being of students at the Faculty of Economics and Business, Bumigora University. This study employed a quantitative approach using an associative causal research design. A total of 91 students were selected through purposive sampling. Data were collected using a five-point Likert-scale questionnaire and analyzed using multiple linear regression with IBM SPSS Statistics version 26. The results indicate that financial attitude does not have a significant effect on financial well-being (Sig. = 0.253), whereas financial self-efficacy (β = 0.369; Sig. = 0.036) and digital financial literacy (β = 0.366; Sig. = 0.011) have positive and significant effects on financial well-being. Simultaneously, the three independent variables explain 49.8% of the variance in financial well-being (R² = 0.498). These findings suggest that students' financial well-being is influenced more by financial self-efficacy and digital financial literacy than by financial attitude.