@phdthesis{digilib78077,
           month = {August},
           title = {PENGARUH LITERASI KEUANGAN, SIKAP KEUANGAN DAN PERILAKU KEUANGAN TERHADAP PENGELOLAAN KEUANGAN MAHASISWA (STUDI KASUS PADA PERBANDINGAN PTN DAN PTS DI PULAU JAWA)},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 20108030127 Moh. Nur},
            year = {2026},
            note = {Ratna Sofiana, S.H.,M.SI.},
        keywords = {Literasi Keuangan, Sikap Keuangan, Perilaku Keuangan, Pengelolaan
Keuangan, PTN, PTS},
             url = {https://digilib.uin-suka.ac.id/id/eprint/78077/},
        abstract = {This study examines the effect of financial literacy, financial attitude, and
financial behavior on financial management among university students, and
compares financial management between students at State Universities (PTN) and
Private Universities (PTS) across Java. Using a comparative-associative
quantitative approach grounded in the Theory of Planned Behavior, the study drew
a simple random sample of 171 active students (68 from PTN, 103 from PTS) sized
according to Hair et al. (2010), who completed a four-point Likert questionnaire
via Google Form. Data were analyzed using multiple linear regression and an
Independent Samples t-Test in SPSS 25. Financial literacy (t = 5.640), financial
attitude (t = 6.510), and financial behavior (t = 8.102) each showed a positive,
significant effect on financial management (sig = 0.000), with financial behavior
as the strongest predictor. The three variables jointly explained 55.3\% of the
variance in financial management (F = 68.897; R? = 0.553; sig = 0.000). An
independent samples t-test also found a significant difference between PTN and
PTS students (sig = 0.038), with PTS students scoring higher on average (23.32)
than PTN students (22.40), though the underlying causes of this gap fall outside the
scope of the study.}
}