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Abstract

Financial behavior has become increasingly important among university students as they assume greater financial independence and face more complex financial decisions. Empirical evidence concerning its determinants among students in vocational higher education institutions outside major urban areas remains limited, despite their distinct socioeconomic characteristics. The research examines the effects of income, financial literacy, and lifestyle on the financial behavior of students at Politeknik Negeri Tanah Laut. A quantitative design was employed using probability sampling with a simple random sampling technique. Data were collected from 275 active students and analyzed using PLS-SEM. The results show that income positively and significantly affects financial literacy, lifestyle, and financial behavior, while financial literacy and lifestyle also positively and significantly influence financial behavior. By integrating these variables within a single structural model, the analysis provides a more comprehensive understanding of the economic and behavioral factors underlying students’ financial behavior. The findings suggest that vocational higher education institutions should strengthen applied financial literacy programs, including budgeting, financial planning, expenditure management, and guidance on lifestyle choices aligned with students’ financial capacity. Such initiatives may promote more responsible financial behavior and support long-term financial well-being.

Keywords

Financial Behavior Income Financial Literacy Lifestyle

How to Cite

Citation Format
Fidianasari, R., Juniar, A., & Nediawan, M. (2026). What Shapes Students’ Financial Behavior? Examining Income, Financial Literacy, and Lifestyle. International Journal of Management Science and Information Technology, 6(2), 1610-1616. https://doi.org/10.35870/ijmsit.v6i2.7759

References

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Author Biographies

Retno Fidianasari, Lambung Mangkurat University

Master of Management, Faculty of Economics and Business, Universitas Lambung Mangkurat, Kota Banjarmasin, Provinsi Kalimantan Selatan, Indonesia

Asrid Juniar, Lambung Mangkurat University

Master of Management, Faculty of Economics and Business, Universitas Lambung Mangkurat, Kota Banjarmasin, Provinsi Kalimantan Selatan, Indonesia

Megi Nediawan, Lambung Mangkurat University

Master of Management, Faculty of Economics and Business, Universitas Lambung Mangkurat, Kota Banjarmasin, Provinsi Kalimantan Selatan, Indonesia

License

Copyright (c) 2026 Retno Fidianasari, Asrid Juniar, Megi Nediawan

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This work is licensed under a Creative Commons Attribution 4.0 International License.

This is an open-access journal distributed under the Creative Commons Attribution 4.0 International License (CC BY 4.0), which permits unrestricted use, distribution, reproduction, and adaptation in any medium (even commercially), provided appropriate credit is given to the original author(s), a link to the license is provided, and any changes made are indicated. Authors retain copyright without restrictions and grant the journal the right of first publication as well as non-exclusive publishing rights for archiving, indexing, and scholarly dissemination.

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