https://repository.unsap.ac.id/index.php/febunsap/issue/feed 2026-06-15T07:40:18+00:00 Open Journal Systems https://repository.unsap.ac.id/index.php/febunsap/article/view/461 2026-06-15T07:33:51+00:00 Gustina Hidayat gustina.feb@unsap.ac.id Atang Hermawan gustina.feb@unsap.ac.id

<p class="p1">This study examines the influence of behavioral factors (self-control, financial anxiety, overconfidence, mental accounting, and future orientation) on personal financial management and saving behavior, with financial literacy as a moderating variable. Using PLS-SEM on diverse population data, the findings reveal that self-control, mental accounting, and future orientation positively impact financial management, while financial anxiety has a negative effect. Overconfidence also shows a positive influence, though it carries potential risks. Effective financial management significantly enhances saving behavior. Financial literacy strengthens the positive effects of self-control, overconfidence, mental accounting, and future orientation on financial management. These results highlight the critical role of behavioral finance and financial education in promoting sound financial decisions and saving habits.</p>

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