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    Previous Studies

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    rhian ronquillo

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    © All Rights Reserved
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    Previous Studies

    Uploaded by

    rhian ronquillo
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    RRL

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    Previous Studies

    Uploaded by

    rhian ronquillo

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    Previous Studies

    Ameer and Khan (2020) examined whether financial literacy is associated with financial
    behavior in a cross-sectional New Zealand sample of individuals using survey data. The result of
    the study shows that adults with education in finance and economics had higher financial literacy
    and financial confidence in managing their personal finances. In addition, those who possess low
    financial literacy but high self-assessed confidence in handling their personal finances are more
    likely to engage in undesirable financial behaviors.
    Cipriano and Dalgado (2024) studied the financial literacy level of graduating students at
    College of Business and if the education system helped them increase their knowledge and
    financial skills. The two authors used Google Form as medium in gathering the data. The
    findings indicated that graduating students' personal financial literacy was categorized as
    medium level, with an average score of 66.90%. This suggested that most College of Business
    graduating students were slightly literate. One reason for the medium level of knowledge instead
    of high level was the systematic lack of a sound personal finance education in the college
    curricula even amidst the presence of financial management subjects or any other related
    subjects involving finances.
    Darmawati et al. (2023) determined the effect of financial literacy and self-control on
    student’s consumptive behavior. The researchers used a descriptive approach, and data collection
    are carried out by distributing questionnaires, observations, and documentation. The study's
    findings indicate that students' consumptive behavior is slightly affected by their level of
    financial literacy. Additionally, students' consumption habits are partially impacted by
    self-control. The students' consumptive behavior is significantly impacted by their level of
    self-control and financial literacy. As a result, students with strong self-control and financial
    literacy will be more able to control consumptive behavior that has a negative impact.
    Reswari et al. (2018) aims to know the influence of demographi

    References
    Ameer, R. & Khan, R. (2020). Financial Socialization, Financial Literacy, and Financial
    Behavior of Adults in New Zealand. Journal of Financial Counseling and Planning, Mar
    2020, DOI: 10.1891/JFCP-18-00042.
    https://connect.springerpub.com/content/sgrjfcp/early/2020/03/16/jfcp-18-00042
    Cipriano, N. & Delgado, E. Jr (2023). AN ANALYSIS OF THE FINANCIAL LITERACY OF
    GRADUATING STUDENTS IN THE COLLEGE OF BUSINESS BACKGROUND OF
    THE STUDY. International Journal of Innovation Scientific Research and Review Vol. 05,
    Issue, 06, pp.xxxxx, 2023.
    https://www.researchgate.net/publication/377494105_AN_ANALYSIS_OF_THE_FINAN
    CIAL_LITERACY_OF_GRADUATING_STUDENTS_IN_THE_COLLEGE_OF_BUSINE
    SS_BACKGROUND_OF_THE_STUDY
    Darmawati, L., Ruski, R., Jannah, R., & Jailani, A. (2023). The Effect of Financial Literacy and
    Self-Control on Students' Consumptive Behavior: English. June 2023 Muhasabatuna
    Jurnal Akuntansi Syariah 5(1):013-020 DOI:10.54471/muhasabatuna.v5i1.2344 License
    CC BY 4.0.
    https://www.researchgate.net/publication/371617563_The_Effect_of_Financial_Literacy
    _and_Self-Control_on_Students'_Consumptive_Behavior_English

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