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

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.