https://repository.unsap.ac.id/index.php/febunsap en-US Repository FEB UNSAP https://repository.unsap.ac.id/index.php/febunsap/article/view/461 <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> Gustina Hidayat Atang Hermawan Copyright (c) 2026 Repository FEB UNSAP 2026-06-15 2026-06-15 25 1