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The Influence of Financial Literacy, Financial Attitudes, and Financial Behavior of Universitas Sarjanawiyata Tamansiswa Students on Risk-Taking Propensity

In: Proceedings of the 4th International Conference on Management and Business (ICoMB 2025)

Author

Listed:
  • Niken Novita Uswatun Khasanah

    (Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics)

  • Ratih Kusumawardhani

    (Universitas Sarjanawiyata Tamansiswa, Management Study Program, Faculty of Economics)

Abstract

This study aims to analyze the influence of financial literacy, financial attitudes, and financial behavior on students’ risk-taking propensity at Universitas Sarjanawiyata Tamansiswa. The sampling technique used in this research is non-probability purposive sampling, in which samples are selected based on specific criteria: active students of the Management Study Program who are willing to participate and complete the questionnaire. The sample size of 100 respondents was determined using the Slovin formula. The results show that financial literacy and financial behavior have a positive and significant effect on students’ risk-taking propensity, suggesting that greater financial literacy and financial behavior increase students’ willingness to take financial risks. Meanwhile, financial attitude does not have a significant effect on risk-taking propensity. These findings highlight the importance of improving students’ financial literacy and financial behavior to enable them to make smart, rational financial decisions and manage risks effectively in their future economic lives.

Suggested Citation

  • Niken Novita Uswatun Khasanah & Ratih Kusumawardhani, 2026. "The Influence of Financial Literacy, Financial Attitudes, and Financial Behavior of Universitas Sarjanawiyata Tamansiswa Students on Risk-Taking Propensity," Advances in Economics, Business and Management Research, in: Johannes Maysan Damanik & Md. Mahmudul Alam & Suddin Lada (ed.), Proceedings of the 4th International Conference on Management and Business (ICoMB 2025), pages 146-156, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6239-656-2_12
    DOI: 10.2991/978-94-6239-656-2_12
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