ANALISIS PENGARUH LITERASI KEUANGAN TERHADAP PERILAKU PENGELOLAAN KEUANGAN SISWA: STUDI LITERATUR

Abstract

Financial literacy is an individual's ability to understand, manage, and make financial decisions appropriately and responsibly. This ability is important for students as the younger generation to manage their allowance, save money, and develop healthy financial behavior. This study aims to analyze the effect of financial literacy on students’ financial management behavior through a literature review. The method used in this study is a literature review with a descriptive qualitative approach. The data sources consist of 10 relevant scientific journals published between 2023 and 2026. Data collection was carried out through documentation, while data analysis used content analysis. The results show that financial literacy has a positive effect on students’ financial management behavior, such as managing allowances, saving money, determining spending priorities, and making rational financial decisions. In addition, supporting factors such as financial education, saving habits, the use of digital technology, learning media, and self-control also play an important role in shaping healthy financial behavior. Therefore, strengthening financial literacy among students needs to be carried out continuously through formal and non-formal education to create a financially smart and responsible generation