PERAN LITERASI KEUANGAN  DALAM PENGELOLAAN KEUANGAN MAHASISWA

maskupah maskupah

maskupah maskupah Institut Agama Islam Sultan Muhammad Syafiuddn Sambas

Keywords: Financial Literacy, Financial Management, University Students

Abstract

This study aims to analyze students’ financial literacy in order to understand their ability to manage personal finances. Financial literacy refers to an individual’s knowledge, skills, and attitudes in understanding and managing finances wisely, including basic knowledge of budgeting, saving, investing, and debt control. Among university students, financial literacy is a crucial aspect, as they are in a transitional phase toward financial independence. However, many students still lack adequate knowledge of financial management, which often leads to financial difficulties, particularly in managing daily expenses and balancing needs with limited income.

This study employed a qualitative approach using field research involving students from various faculties. The findings indicate that students with higher levels of financial literacy tend to manage their personal finances more effectively, including saving, avoiding debt, and planning long-term expenditures. In contrast, students with low financial literacy tend to exhibit uncontrolled spending patterns and are more vulnerable to financial problems. Therefore, strengthening financial literacy through education and training programs is highly recommended to enhance students’ financial management skills. This study emphasizes that financial literacy plays a crucial role in shaping healthier and more structured financial behavior among students, thereby supporting their future financial well-being

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