Ismail, Hyronimus Rowa, Noudy Tendean, Tun Huseno, Sri Hartati
The purpose of this study was to analyze The Effect of Financial Literature, Parents Social Economic and Student Lifestyle on Students Personal Financial Management. In this study using quantitative methods and data analysis techniques Structural Equation Modeling Equation Modeling using SmartPLS 3.0 software. The sample selection method uses nonprobability sampling methods. Online questionnaires were sent to respondent’s as many as 230 student questionnaires, the next step is to evaluate the returned questionnaires, namely the 220 returned questionnaires and 10 questionnaires did not return. Based on the results of data analysis using SmartPLS, it was found that Financial Literature had a significant effect on Students Personal Financial Management, an increase in the Literature on Students variable would have a significant effect on increasing the Students Personal Financial Management variable and a decrease in the Financial Literature variable would have a significant effect on the decrease in the Students Personal Financial Management variable. Student Lifestyle has a significant effect on Students Personal Financial Management, an increase in the Student Lifestyle variable will have a significant effect on increasing the Student Personal Financial Management variable and a decrease in the Student Lifestyle variable will have a significant effect on the decrease in the Student Personal Financial Management variable. Parents Social Economics has a significant effect on Students Personal Financial Management, an increase in the Parents Social Economic variable will have a significant effect on increasing the Students Personal Financial Management variable and a decrease in the Parents Social Economic variable will have a significant influence on the decrease in the Students Personal Financial Management variable.