The Influence of Pocket Money, Financial Education, and Financial Literacy on Accounting Students’ Financial Management Behavior in Banjarmasin

DOI

10.2991/978-2-38476-595-9_20How to use a DOI?

Keywords

Pocket Money; Financial Education; Financial Literacy; Financial Management Behavior

Abstract

This study examines the influence of pocket money, financial education, and financial literacy on the financial management behavior of Accounting students at Sekolah Tinggi Ilmu Ekonomi (STIE) Pancasetia Banjarmasin (Pacasetia School of Economics Banjarmasin). Using a quantitative correlational approach, the research analyzes both partial and simultaneous effects of these variables on students’ financial management behavior. Data were collected through structured questionnaires and analyzed using multiple linear regression with SPSS version 26. The findings indicate that pocket money, financial education, and financial literacy jointly have a significant positive effect on students’ financial management behavior, with financial literacy emerging as the most dominant determinant. These results underscore the critical role of financial literacy in strengthening students’ financial resilience, particularly in navigating financial risks such as impulsive spending, inadequate savings, and poor budgeting decisions during early adulthood. From a broader perspective, this study highlights the importance of targeted financial education policies within higher education institutions to reduce youth financial vulnerability and promote sustainable financial behavior. Enhancing financial literacy among university students is therefore not only essential for individual financial well-being but also for fostering a financially resilient young generation capable of supporting long-term economic stability.

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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TY  - CONF
AU  - Candra Nurrahma Dewi
AU  - Hasdi Suryadi
AU  - Tina Lestari
AU  - Naura Rameya Fadhillah
PY  - 2026
DA  - 2026/07/08
TI  - The Influence of Pocket Money, Financial Education, and Financial Literacy on Accounting Students’ Financial Management Behavior in Banjarmasin
BT  - Proceedings of the  International Conference on Contemporary Risk Studies (ICONIC-RS 2025)
PB  - Atlantis Press
SP  - 254
EP  - 264
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-2-38476-595-9_20
DO  - 10.2991/978-2-38476-595-9_20
ID  - Dewi2026
ER  -