The Effect Of Financial Planning, Spending Habits, And Sources Of Income On Personal Financial Stability Through Self-Control As A Mediating Variable Among Students In The Faculty Of Economics And Business At The State University Of Makassar
Keywords:
Financial Planning, Spending Habits, Sources of Income, Personal Financial Stability, Self-Control
Abstract
This study aims to examine the impact of financial planning, spending habits, and sources of income on personal financial stability through self-control as a mediating variable among students at the Faculty of Economics and Business, Makassar State University. This study employed a quantitative method and surveyed 361 participants; Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to analyze the data. The results show that financial planning, spending habits, and income sources have a positive and significant effect on personal financial stability as well as on self-control. In addition, self-control was also found to have a positive and significant effect on personal financial stability. Furthermore, this study found that self-control acts as a significant mediating variable in the relationship between financial planning, spending habits, and income sources on personal financial stability.
References
Ahmad, N., Hamat, M., Astifar Alias, F., Mohamed, S.A., & Afizi Shuaib, N. (2024). Understanding the Relationship Between Financial Literacy and Spending Habits in University Students. International Journal of Academic Research in Business and Social Sciences, 14(9). https://doi.org/10.6007/ijarbss/v14-i9/22785
Ahmad, S., & Kustiawan, RA (2025). The Importance of Emergency Funds for Students: A Literature Study on Financial Planning. In Gunung Djati Conference Series, 56, 124-132. https://conferences.uinsgd.ac.id/index.php/gdcs/article/view/2929
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior And Human Decision Processes, 50(2), 179-211. https://doi.org/10.1016/0749-5978(91)90020-T
Anjani, C., & Darto, D. (2023). Financial literacy, income and self-control on financial management behavior of generation Z. BASKARA: Journal of Business and Entrepreneurship, 5(2), 152-164. https://doi.org/10.54268/baskara.v5i2.16363
Anjelina, TA, Susilowati, D., & Moorcy, NH (2025). The Influence of Financial Literacy, Lifestyle, and Self-Control on the Financial Behavior of Management Students, Faculty of Economics and Business, Balikpapan University. Jurnal Edueco, 8(1), 29-39. https://doi.org/10.36277/edueco.v8i1.251
Apigo, N. V, Grace, M., Mutia, R., & Lalosa, AA (2025). The role of financial literacy in reducing impulsive buying among college students. The International Journal of the Humanities and Social Sciences), 4(3), 4473-4482. https://doi.org/10.69651/2022PIJHSS
Arianti, F. (2020). The Influence of Income and Financial Behavior on Financial Literacy Through Investment Decisions as Intervening Variables. Journal of Accounting, 10(1), 13-36. https://doi.org/10.33369/j.akuntansi.9.3.13-36
Asiah, AN, Nastiti, R., Syahdan, SA, & Akbar, M. (2025). Exploring Financial Management Behavior of Higher Education Students in South Kalimantan. International Journal of Trends in Accounting Research, 6(1), 40-47. https://doi.org/10.54951/ijtar.v6i1.964
Asita, VN, & Manunggal, SAM (2023). The Influence of Financial Literacy, Self-Control, and Parental Income on the Consumptive Behavior of Sharia Financial Management Students of the 2019-2021 Class of Uin Sayyid Ali Rahmatullah Tulungagung. Global Education Scientific Journal, 4(3), 1331-1341. https://doi.org/10.55681/jige.v4i3.1060
Azsahrah, S., Jasman, J., & Ardhana, MA (2023). The effect of financial literacy and online shopping on student consumptive behavior. Journal of Economic Resources, 6(1), 76-82. https://doi.org/10.23887/jiis.v9i2.68587
Azzahara, N., Samsiah, S., & Fitriana, N. (2024). Factors Influencing Financial Management of Accounting Students. Raflesia Scientific Journal of Accounting, 10(2), 66-73. https://doi.org/10.53494/jira.v10i2.360
Barberis, N., & Thaler, R. (2003). A survey of behavioral finance. Handbook of the Economics of Finance, 1, 1053-1128.
Conner, M., Wilding, S., Wright, C.E., & Sheeran, P. (2023). How does self-control promote health behaviors? A multi-behavior test of five potential pathways. Annals of Behavioral Medicine, 57(4), 313-322. https://doi.org/10.1093/abm/kaac053
Dany, ASR, & Susanti, A. (2023). The Influence of Income, Financial Literacy, and Self-Control on the Consumptive Behavior of Students in Surakarta. Juremi: Journal of Economic Research, 2(4), 310-324. https://doi.org/10.53625/juremi.v2i4.4452
Davydenko, M., Kolbuszewska, M., & Peetz, J. (2021). A meta-analysis of financial self-control strategies: Comparing empirical findings with online media and lay person perspectives on what helps individuals curb spending and start saving. PLoS One, 16(7), e0253938. https://doi.org/10.1371/journal.pone.0253938
Dewi, LPS (2022). The Influence of Financial Literacy, Income, and Self-Control on Personal Financial Management of Management Students at Satya Dharma University, Singaraja (Doctoral dissertation, Ganesha University of Education). http://repo.undiksha.ac.id/id/eprint/10838
Dewi, NKS, & Suarmanayasa, IN (2023). The Influence of Financial Literacy and Financial Inclusion on the Performance of MSMEs in Buleleng District. Prospek: Journal of Management and Business, 5(2), 266-275. https://doi.org/10.23887/pjmb.v5i2.62706
Divya, C., & Gomathi, S. (2025). Impact of Financial Literacy and Financial Planning on Individual Economic Stability. In Journal of Informatics Education and Research, 5. http://jier.org
Du Plessis, L., Jordaan, Y., & Van der Westhuizen, L.M. (2024). Psychological needs and financial well-being: the role of consumer spending self-control. Journal of financial services marketing, 29(4), 1197-1206. https://doi.org/10.1057/s41264-024-00270-y
Ferdiansa, M., Nabilah, P., Oktavierdinand Sodikin, A., & Fillail Adabi, C. (2025). The Impact of Budget Planning, Debt Management, and Savings on Students' Financial Stability. In Balance: Journal of Accounting and Management, 4, 2. https://doi.org/10.59086/jam.v4i2.883
Fernández-López, S., Castro-González, S., Rey-Ares, L., & Rodeiro-Pazos, D. (2024). Self-control and debt decisions relationship: evidence for different credit options. Current Psychology, 43(1), 340–357. https://doi.org/10.1007/s12144-023-04251-7
Gahagho, YD, Rotinsulu, TO, & Mandeij, D. (2021). The influence of financial literacy, financial attitudes, and income sources on the financial management behavior of students of the Faculty of Economics and Business, Unsrat, with intention as an intervening variable. EMBA Journal: Journal of Research in Economics, Management, Business, and Accounting, 9(1), 543-555. https://doi.org/https://doi.org/10.35794/emba.v9i1.32337
Gama, AWS, Buderini, L., & Astiti, NPY (2023). The Influence of Financial Literacy, Lifestyle, and Income on the Personal Financial Management Skills of Generation Z Students. KRISNA: Collection of Accounting Research, 15(1), 90-101. https://doi.org/10.22225/kr.15.1.2023.90-101
Helmi, A., Komaladewi, R., Sarasi, V., & Yolanda, L. (2023). Characterizing young consumer online shopping style: Indonesian evidence. Sustainability, 15(5), 3988. https://doi.org/10.3390/su15053988
Herdjiono, MVI, & Damanik, LA (2016). The influence of financial attitude, financial knowledge, and parental income on financial management behavior. Journal of Theory and Applied Management, 9(3), 226-241.
Jasen, L., & Kim, SS (2023). Financial Literacy, Financial Fragility, and Financial Well-being Among Generation-Z University Students in Indonesia. Journal of Finance and Banking, 27(2), 197–208. https://doi.org/10.26905/jkdp.v27i2.9402
Laili, DAN (2022). Analysis of Factors Influencing Personal Financial Planning in Surabaya. Journal of Management Science, University of Surabaya, 531-544.
León, WFD, Chaparro, OLM, & Rojas, CAR (2024). Development of a Battery for the Measurement of Financial Capabilities in Young People. Social Indicators Research, 172(3), 1041–1059. https://doi.org/10.1007/s11205-024-03336-5
Lorensa, L., & Jibrail, A. (2025). The Influence of Financial Literacy, Lifestyle, and Self-Control on the Financial Management of Students. Journal of Educational Management Research, 4(2), 595-610. https://doi.org/10.61987/jemr.v4i2.884
Muaviah, E., Lathifaturrahmah, L., Dewi, AA, & Febriani, N. (2023). Generation Z: Stepping into the Digital Era Wisely and Plannedly. Journal of Social Contemplativa, 1(2), 63-81. https://doi.org/10.61183/jsc.v1i2.39
Mufli, F., Hastuti, DRD, Jamil, M., Safri, M., & Bado, B. (2025). Financial Literacy and Hedonic Shopping Motivation in Impulsive Shopping Habits. Bulletin of Economic Studies (BEST), 5(1), 24-34. https://doi.org/10.24252/best.v5i1.57566
Nafitri, SD, & Wikartika, I. (2023). The Influence of Income, Lifestyle and Financial Literacy on Financial Behavior in Management Students of National Development University "Veteran" East Java. Management Studies and Entrepreneurship Journal, 4(1), 766–774. http://journal.yrpipku.com/index.php/msej
Napu, F., Syaifuddin, DT, Wawo, AB, & Zaid, S. (2025). Study of financial management behavior based on financial self-efficacy and financial literacy in small-scale agribusiness development. Journal of Global Innovations in Agricultural Sciences, 13(1), 319-331. https://doi.org/10.22194/JGIAS/25.1547
Neumann, J. V., & Morgenstern, O. (1944). Theory of Games and Economic Behavior. Princeton University Press.
Ningsih, M., & Anita, N. (2025). The Influence of Fomo and Self-Control on Personal Financial Management With Impulsive Buying Behavior as a Mediating Variable Among Shopeepaylater User Students. Majapahit Journal of Islamic Finance and Management, 5(4), 3872-3884. https://doi.org/10.31538/mjifm.v5i4.666
Oktaviana, H., & Aji, SSB (2025). How Financial Literacy Shapes Impulsive Paylater Buying Among Yogyakarta Students. In Proceedings International Conference on Accounting and Finance, 3, 209-224. https://journal.uii.ac.id/inCAF/article/view/38427
Pulungan, SAR, & Siregar, QR (2024). The Effect of Financial Planning and Financial Literacy on Financial Well-being Through Self-Control in Tanjung Putus Village Residents. Bursa: Journal of Economics and Business, 3(2), 93-103. https://doi.org/10.59086/jeb.v3i2.564
Putri, CR, Addiena, AW, & Herdianti, AS (2023). The Meaning of Income for Accounting Students. Accounting Student Research Journal, 2(2), 82-89. https://doi.org/10.62108/asrj.v2i2.5885
Putri, P., & Stiawan, E. (2025). The Influence of Online Shopping on the Consumption Habits and Financial Management of Islamic Economics Students at UIN Fatmawati Sukarno Bengkulu. Journal of Economics and Business (JEBS), 5(1), 379-384. https://doi.org/10.47233/jebs.v5i1.2635
Ratnaningtyas, H., Bilqis, LDR, & Swantari, A. (2022). Personal Financial Planning for Students of the Indonesian College of Business Economics. ABDI MOESTOPO: Journal of Community Service, 5(2), 141-147. https://doi.org/10.32509/abdimoestopo.v5i2.1770
Rijal, S., Sinaga, IN, Yulianadewi, I., Masyithah, SM, Tannady, H., Setiawan, R., ... & Rukmana, AY (2023). Human resource management. Global Technology Executive.
Sahabuddin, R., Arimayanti, A., Mutmainna, R., Nurfuraya, & Nuraisyah. (2023). Lifestyle, Social Media, Peers: Towards Online Shopping Consumptive Behavior on TikTok of UNM Students. JUMINTAL: Journal of Informatics Management and Digital Business, 2(2), 221–232. https://doi.org/10.55123/jumintal.v2i2.2861
Sari, MP, & Irdhayanti, E. (2022). The influence of financial planning knowledge and financial attitudes on financial planning in college students. Jurnal Economina, 1(3), 439-451. https://doi.org/10.55681/economina.v5i3
Septiarum, AFK, & Susanti, S. (2024). The Influence of Financial Literacy, Income, and Self-Control on Financial Management Behavior in College Students. Journal of Accounting Education (JPAK), 12(3), 162-169. https://ejournal.unesa.ac.id/index.php/jpak/article/view/51524
Setyowati, A., Harmadi, H., & Sunarjanto, S. (2018). Islamic financial literacy and personal financial planning: A socio-demographic study. Journal of Finance and Banking, 22(1), 63-72. https://doi.org/10.26905/jkdp.v22i1.1625
Shefrin, H. (2002). Beyond greed and fear: Understanding behavioral finance and the psychology of investing. Oxford University Press.
Suprapto, Y., Valentina, S., & Haryanto, H. (2025). Gen-Z financial keys: the impact of self-control and financial literacy mediated financial behavior. Management and Business, 24(2), 453-466. https://doi.org/10.24123/mabis.v24i2.974
Suryani, DM, Rapini, T., & Wahyuningsih, DW (2025). The Influence of Self-Control, Financial Technology and Social Environment on Financial Planning of Students at Muhammadiyah University of Ponorogo. Edunomika Scientific Journal, 9(1). https://www.jurnal.stie-aas.ac.id/index.php/jie/article/view/16624
Wahyuni, SF, Radiman, R., Lestari, SP, & Lestari, SSI (2024). The Relationship between Financial Literacy and Income on Financial Well-being: Mediation of Sandwich Generation Financial Behavior. Bursa: Journal of Economics and Business, 3(1), 30-43. https://doi.org/10.59086/jeb.v3i1.551
Werner, K. M., & Berkman, E. T. (2024). Motivational dynamics of self-control. Current opinions in psychology, 59, 101859. https://doi.org/10.1016/j.copsyc.2024.101859
Wiajaya, H., & Herman, S. (2024). Development of a Sustainable Financial Planning Model in Higher Education Environment: A Case Study at STIBA Makassar. Mu'amalatuna: Journal of Islamic Economics, 7(2), 52-63. https://doi.org/10.36269/mu
Ahmad, S., & Kustiawan, RA (2025). The Importance of Emergency Funds for Students: A Literature Study on Financial Planning. In Gunung Djati Conference Series, 56, 124-132. https://conferences.uinsgd.ac.id/index.php/gdcs/article/view/2929
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior And Human Decision Processes, 50(2), 179-211. https://doi.org/10.1016/0749-5978(91)90020-T
Anjani, C., & Darto, D. (2023). Financial literacy, income and self-control on financial management behavior of generation Z. BASKARA: Journal of Business and Entrepreneurship, 5(2), 152-164. https://doi.org/10.54268/baskara.v5i2.16363
Anjelina, TA, Susilowati, D., & Moorcy, NH (2025). The Influence of Financial Literacy, Lifestyle, and Self-Control on the Financial Behavior of Management Students, Faculty of Economics and Business, Balikpapan University. Jurnal Edueco, 8(1), 29-39. https://doi.org/10.36277/edueco.v8i1.251
Apigo, N. V, Grace, M., Mutia, R., & Lalosa, AA (2025). The role of financial literacy in reducing impulsive buying among college students. The International Journal of the Humanities and Social Sciences), 4(3), 4473-4482. https://doi.org/10.69651/2022PIJHSS
Arianti, F. (2020). The Influence of Income and Financial Behavior on Financial Literacy Through Investment Decisions as Intervening Variables. Journal of Accounting, 10(1), 13-36. https://doi.org/10.33369/j.akuntansi.9.3.13-36
Asiah, AN, Nastiti, R., Syahdan, SA, & Akbar, M. (2025). Exploring Financial Management Behavior of Higher Education Students in South Kalimantan. International Journal of Trends in Accounting Research, 6(1), 40-47. https://doi.org/10.54951/ijtar.v6i1.964
Asita, VN, & Manunggal, SAM (2023). The Influence of Financial Literacy, Self-Control, and Parental Income on the Consumptive Behavior of Sharia Financial Management Students of the 2019-2021 Class of Uin Sayyid Ali Rahmatullah Tulungagung. Global Education Scientific Journal, 4(3), 1331-1341. https://doi.org/10.55681/jige.v4i3.1060
Azsahrah, S., Jasman, J., & Ardhana, MA (2023). The effect of financial literacy and online shopping on student consumptive behavior. Journal of Economic Resources, 6(1), 76-82. https://doi.org/10.23887/jiis.v9i2.68587
Azzahara, N., Samsiah, S., & Fitriana, N. (2024). Factors Influencing Financial Management of Accounting Students. Raflesia Scientific Journal of Accounting, 10(2), 66-73. https://doi.org/10.53494/jira.v10i2.360
Barberis, N., & Thaler, R. (2003). A survey of behavioral finance. Handbook of the Economics of Finance, 1, 1053-1128.
Conner, M., Wilding, S., Wright, C.E., & Sheeran, P. (2023). How does self-control promote health behaviors? A multi-behavior test of five potential pathways. Annals of Behavioral Medicine, 57(4), 313-322. https://doi.org/10.1093/abm/kaac053
Dany, ASR, & Susanti, A. (2023). The Influence of Income, Financial Literacy, and Self-Control on the Consumptive Behavior of Students in Surakarta. Juremi: Journal of Economic Research, 2(4), 310-324. https://doi.org/10.53625/juremi.v2i4.4452
Davydenko, M., Kolbuszewska, M., & Peetz, J. (2021). A meta-analysis of financial self-control strategies: Comparing empirical findings with online media and lay person perspectives on what helps individuals curb spending and start saving. PLoS One, 16(7), e0253938. https://doi.org/10.1371/journal.pone.0253938
Dewi, LPS (2022). The Influence of Financial Literacy, Income, and Self-Control on Personal Financial Management of Management Students at Satya Dharma University, Singaraja (Doctoral dissertation, Ganesha University of Education). http://repo.undiksha.ac.id/id/eprint/10838
Dewi, NKS, & Suarmanayasa, IN (2023). The Influence of Financial Literacy and Financial Inclusion on the Performance of MSMEs in Buleleng District. Prospek: Journal of Management and Business, 5(2), 266-275. https://doi.org/10.23887/pjmb.v5i2.62706
Divya, C., & Gomathi, S. (2025). Impact of Financial Literacy and Financial Planning on Individual Economic Stability. In Journal of Informatics Education and Research, 5. http://jier.org
Du Plessis, L., Jordaan, Y., & Van der Westhuizen, L.M. (2024). Psychological needs and financial well-being: the role of consumer spending self-control. Journal of financial services marketing, 29(4), 1197-1206. https://doi.org/10.1057/s41264-024-00270-y
Ferdiansa, M., Nabilah, P., Oktavierdinand Sodikin, A., & Fillail Adabi, C. (2025). The Impact of Budget Planning, Debt Management, and Savings on Students' Financial Stability. In Balance: Journal of Accounting and Management, 4, 2. https://doi.org/10.59086/jam.v4i2.883
Fernández-López, S., Castro-González, S., Rey-Ares, L., & Rodeiro-Pazos, D. (2024). Self-control and debt decisions relationship: evidence for different credit options. Current Psychology, 43(1), 340–357. https://doi.org/10.1007/s12144-023-04251-7
Gahagho, YD, Rotinsulu, TO, & Mandeij, D. (2021). The influence of financial literacy, financial attitudes, and income sources on the financial management behavior of students of the Faculty of Economics and Business, Unsrat, with intention as an intervening variable. EMBA Journal: Journal of Research in Economics, Management, Business, and Accounting, 9(1), 543-555. https://doi.org/https://doi.org/10.35794/emba.v9i1.32337
Gama, AWS, Buderini, L., & Astiti, NPY (2023). The Influence of Financial Literacy, Lifestyle, and Income on the Personal Financial Management Skills of Generation Z Students. KRISNA: Collection of Accounting Research, 15(1), 90-101. https://doi.org/10.22225/kr.15.1.2023.90-101
Helmi, A., Komaladewi, R., Sarasi, V., & Yolanda, L. (2023). Characterizing young consumer online shopping style: Indonesian evidence. Sustainability, 15(5), 3988. https://doi.org/10.3390/su15053988
Herdjiono, MVI, & Damanik, LA (2016). The influence of financial attitude, financial knowledge, and parental income on financial management behavior. Journal of Theory and Applied Management, 9(3), 226-241.
Jasen, L., & Kim, SS (2023). Financial Literacy, Financial Fragility, and Financial Well-being Among Generation-Z University Students in Indonesia. Journal of Finance and Banking, 27(2), 197–208. https://doi.org/10.26905/jkdp.v27i2.9402
Laili, DAN (2022). Analysis of Factors Influencing Personal Financial Planning in Surabaya. Journal of Management Science, University of Surabaya, 531-544.
León, WFD, Chaparro, OLM, & Rojas, CAR (2024). Development of a Battery for the Measurement of Financial Capabilities in Young People. Social Indicators Research, 172(3), 1041–1059. https://doi.org/10.1007/s11205-024-03336-5
Lorensa, L., & Jibrail, A. (2025). The Influence of Financial Literacy, Lifestyle, and Self-Control on the Financial Management of Students. Journal of Educational Management Research, 4(2), 595-610. https://doi.org/10.61987/jemr.v4i2.884
Muaviah, E., Lathifaturrahmah, L., Dewi, AA, & Febriani, N. (2023). Generation Z: Stepping into the Digital Era Wisely and Plannedly. Journal of Social Contemplativa, 1(2), 63-81. https://doi.org/10.61183/jsc.v1i2.39
Mufli, F., Hastuti, DRD, Jamil, M., Safri, M., & Bado, B. (2025). Financial Literacy and Hedonic Shopping Motivation in Impulsive Shopping Habits. Bulletin of Economic Studies (BEST), 5(1), 24-34. https://doi.org/10.24252/best.v5i1.57566
Nafitri, SD, & Wikartika, I. (2023). The Influence of Income, Lifestyle and Financial Literacy on Financial Behavior in Management Students of National Development University "Veteran" East Java. Management Studies and Entrepreneurship Journal, 4(1), 766–774. http://journal.yrpipku.com/index.php/msej
Napu, F., Syaifuddin, DT, Wawo, AB, & Zaid, S. (2025). Study of financial management behavior based on financial self-efficacy and financial literacy in small-scale agribusiness development. Journal of Global Innovations in Agricultural Sciences, 13(1), 319-331. https://doi.org/10.22194/JGIAS/25.1547
Neumann, J. V., & Morgenstern, O. (1944). Theory of Games and Economic Behavior. Princeton University Press.
Ningsih, M., & Anita, N. (2025). The Influence of Fomo and Self-Control on Personal Financial Management With Impulsive Buying Behavior as a Mediating Variable Among Shopeepaylater User Students. Majapahit Journal of Islamic Finance and Management, 5(4), 3872-3884. https://doi.org/10.31538/mjifm.v5i4.666
Oktaviana, H., & Aji, SSB (2025). How Financial Literacy Shapes Impulsive Paylater Buying Among Yogyakarta Students. In Proceedings International Conference on Accounting and Finance, 3, 209-224. https://journal.uii.ac.id/inCAF/article/view/38427
Pulungan, SAR, & Siregar, QR (2024). The Effect of Financial Planning and Financial Literacy on Financial Well-being Through Self-Control in Tanjung Putus Village Residents. Bursa: Journal of Economics and Business, 3(2), 93-103. https://doi.org/10.59086/jeb.v3i2.564
Putri, CR, Addiena, AW, & Herdianti, AS (2023). The Meaning of Income for Accounting Students. Accounting Student Research Journal, 2(2), 82-89. https://doi.org/10.62108/asrj.v2i2.5885
Putri, P., & Stiawan, E. (2025). The Influence of Online Shopping on the Consumption Habits and Financial Management of Islamic Economics Students at UIN Fatmawati Sukarno Bengkulu. Journal of Economics and Business (JEBS), 5(1), 379-384. https://doi.org/10.47233/jebs.v5i1.2635
Ratnaningtyas, H., Bilqis, LDR, & Swantari, A. (2022). Personal Financial Planning for Students of the Indonesian College of Business Economics. ABDI MOESTOPO: Journal of Community Service, 5(2), 141-147. https://doi.org/10.32509/abdimoestopo.v5i2.1770
Rijal, S., Sinaga, IN, Yulianadewi, I., Masyithah, SM, Tannady, H., Setiawan, R., ... & Rukmana, AY (2023). Human resource management. Global Technology Executive.
Sahabuddin, R., Arimayanti, A., Mutmainna, R., Nurfuraya, & Nuraisyah. (2023). Lifestyle, Social Media, Peers: Towards Online Shopping Consumptive Behavior on TikTok of UNM Students. JUMINTAL: Journal of Informatics Management and Digital Business, 2(2), 221–232. https://doi.org/10.55123/jumintal.v2i2.2861
Sari, MP, & Irdhayanti, E. (2022). The influence of financial planning knowledge and financial attitudes on financial planning in college students. Jurnal Economina, 1(3), 439-451. https://doi.org/10.55681/economina.v5i3
Septiarum, AFK, & Susanti, S. (2024). The Influence of Financial Literacy, Income, and Self-Control on Financial Management Behavior in College Students. Journal of Accounting Education (JPAK), 12(3), 162-169. https://ejournal.unesa.ac.id/index.php/jpak/article/view/51524
Setyowati, A., Harmadi, H., & Sunarjanto, S. (2018). Islamic financial literacy and personal financial planning: A socio-demographic study. Journal of Finance and Banking, 22(1), 63-72. https://doi.org/10.26905/jkdp.v22i1.1625
Shefrin, H. (2002). Beyond greed and fear: Understanding behavioral finance and the psychology of investing. Oxford University Press.
Suprapto, Y., Valentina, S., & Haryanto, H. (2025). Gen-Z financial keys: the impact of self-control and financial literacy mediated financial behavior. Management and Business, 24(2), 453-466. https://doi.org/10.24123/mabis.v24i2.974
Suryani, DM, Rapini, T., & Wahyuningsih, DW (2025). The Influence of Self-Control, Financial Technology and Social Environment on Financial Planning of Students at Muhammadiyah University of Ponorogo. Edunomika Scientific Journal, 9(1). https://www.jurnal.stie-aas.ac.id/index.php/jie/article/view/16624
Wahyuni, SF, Radiman, R., Lestari, SP, & Lestari, SSI (2024). The Relationship between Financial Literacy and Income on Financial Well-being: Mediation of Sandwich Generation Financial Behavior. Bursa: Journal of Economics and Business, 3(1), 30-43. https://doi.org/10.59086/jeb.v3i1.551
Werner, K. M., & Berkman, E. T. (2024). Motivational dynamics of self-control. Current opinions in psychology, 59, 101859. https://doi.org/10.1016/j.copsyc.2024.101859
Wiajaya, H., & Herman, S. (2024). Development of a Sustainable Financial Planning Model in Higher Education Environment: A Case Study at STIBA Makassar. Mu'amalatuna: Journal of Islamic Economics, 7(2), 52-63. https://doi.org/10.36269/mu
Published
2026-08-05
How to Cite
Lilis Sampa, Syamsu Rijal, Hikmayani Subur, Marhawati Najib, & Nurjannah. (2026). The Effect Of Financial Planning, Spending Habits, And Sources Of Income On Personal Financial Stability Through Self-Control As A Mediating Variable Among Students In The Faculty Of Economics And Business At The State University Of Makassar. International Journal of Business and Quality Research, 4(03), 962-981. https://doi.org/10.63922/ijbqr.v4i03.5820
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