THE IMPACT OF SOCIAL ENVIRONMENT, LIFESTYLE, AND LOCUS OF CONTROL ON STUDENTS' FINANCIAL LITERACY
DOI:
https://doi.org/10.30996/die.v16i02.132414Keywords:
Social Environment, Lifestyle, Locus of Control, , Financial LiteracyAbstract
Financial literacy is an essential skill that students must possess to face financial challenges in the modern era. This research aims to analyze the influence of social environment, lifestyle, and locus of control on the financial literacy of students from the Faculty of Economics and Business at Muhammadiyah University of Palopo, class of 2021–2023, totaling 843 students. The sample was determined using the Slovin formula, resulting in 90 samples selected through proportional random sampling. Data were collected through the distribution of questionnaires and analyzed using multiple linear regression to determine the extent to which independent variables affect students' financial literacy. The findings indicate that social environment, lifestyle, and locus of control significantly influence financial literacy, both partially and simultaneously. he regression analysis results show that lifestyle (β = 0.617, p < 0.01) and locus of control (β = 0.631, p < 0.01) are the most dominant factors influencing financial literacy, while the overall model explains 83.9% (R² = 0.839) of the variance in students' financial literacy.
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