Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)

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The Influence of Financial Literacy, Financial Attitudes, and Financial Behavior of Universitas Sarjanawiyata Tamansiswa Students on Risk-Taking Propensity

Authors
Niken Novita Uswatun Khasanah1, *, Ratih Kusumawardhani1
1Management Study Program, Faculty of Economics, Universitas Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia
*Corresponding author. Email: nikennovitaa171103@gmail.com
Corresponding Author
Niken Novita Uswatun Khasanah
Available Online 24 April 2026.
DOI
10.2991/978-94-6239-656-2_12How to use a DOI?
Keywords
Financial Literacy; Financial Attitude; Financial Behavior; Risk-Taking Propensity
Abstract

This study aims to analyze the influence of financial literacy, financial attitudes, and financial behavior on students’ risk-taking propensity at Universitas Sarjanawiyata Tamansiswa. The sampling technique used in this research is non-probability purposive sampling, in which samples are selected based on specific criteria: active students of the Management Study Program who are willing to participate and complete the questionnaire. The sample size of 100 respondents was determined using the Slovin formula. The results show that financial literacy and financial behavior have a positive and significant effect on students’ risk-taking propensity, suggesting that greater financial literacy and financial behavior increase students’ willingness to take financial risks. Meanwhile, financial attitude does not have a significant effect on risk-taking propensity. These findings highlight the importance of improving students’ financial literacy and financial behavior to enable them to make smart, rational financial decisions and manage risks effectively in their future economic lives.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
24 April 2026
ISBN
978-94-6239-656-2
ISSN
2352-5428
DOI
10.2991/978-94-6239-656-2_12How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Niken Novita Uswatun Khasanah
AU  - Ratih Kusumawardhani
PY  - 2026
DA  - 2026/04/24
TI  - The Influence of Financial Literacy, Financial Attitudes, and Financial Behavior of Universitas Sarjanawiyata Tamansiswa Students on Risk-Taking Propensity
BT  - Proceedings of the 4th International Conference on Management and Business (ICOMB 2025)
PB  - Atlantis Press
SP  - 146
EP  - 156
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-656-2_12
DO  - 10.2991/978-94-6239-656-2_12
ID  - Khasanah2026
ER  -