PENGARUH LITERASI KEUANGAN DAN INKLUSI KEUANGAN TERHADAP PERILAKU KEUANGAN DENGAN SELF CONTROL SEBAGAI PEMODERASI

Abstract

and financial inclusion on financial behavior, as well as the moderating impact of self-control on the influence of financial literacy and financial inclusion on financial behavior. The research method used is a quantitative method with structural equation modeling. The research respondents were students at various universities, totaling 118 samples. Data collection techniques using questionnaires were analyzed using Smart PLS 3. The research results prove that financial literacy, financial inclusion and self-control directly have a positive impact on financial behavior. Meanwhile, self-control is unable to moderate the influence of financial literacy and financial inclusion on financial behavior. The implication is that if you want to improve better financial behavior, research recommends increasing self-control, increasing financial literacy, and increasing financial inclusion.