| dc.description.abstract | Personal financial planning is crucial for young adults, particularly
undergraduate students, as it lays the foundation for their financial
independence and future stability. This research aims to determine
personal financial planning among Moslem undergraduate students at
Universitas Islam Indonesia, focusing on the role of financial
knowledge in shaping financial attitudes, financial technology, and
lifestyle. The research combines qualitative insights from students'
perceptions and quantitative analysis using Partial Least Squares
Structural Equation Modeling (PLS-SEM) via SmartPLS 4. Data were
gathered from 100 respondents across all faculties using a 10-point
Likert scale questionnaire. The results reveal that from the three
observed variables, which are financial attitude, financial technology,
and lifestyle have a significant positive influence on personal financial
planning and plays as the most important role in personal financial
planning. Financial knowledge itself positively and significantly
influences personal financial planning and serves as a mediating
variable, enhancing the effects of financial attitude, financial
technology, and lifestyle. It means that the importance of financial
knowledge as a critical enabler of effective personal financial
planning emphasizing the interplay of financial attitudes, technology,
and lifestyle among Moslem undergraduate students. | en_US |
