Proceedings of the9th International Conference on Business, Economics, Social Sciences & Humanities – Economics, Business and Management Track (ICOBEST-EBM 2026)

9th International Conference on Business, Economics, Social Sciences & Humanities – Economics, Business and Management Track (ICOBEST-EBM 2026)

📍Bandung, Indonesia🗓️ 4 June 2026
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The Impact of Financial Self-Efficacy on Personal Financial Management

Authors
Adeh Ratna Komala1, *, Fahira Zahri Chaniago1, Kania Erlina1
1Universitas Komputer Indonesia, Bandung, Indonesia
*Corresponding author. Email: adeh.ratna@email.unikom.ac.id
Corresponding Author
Adeh Ratna Komala
Available Online 4 September 2026.
DOI
10.2991/978-94-6239-752-1_8How to use a DOI?
Keywords
Financial Self-Efficacy; Personal Financial Management; Consumptive Behavior; Pay Later
Abstract

The study analyzes how the financial self-efficacy impacts the financial management practices among accounting students enrolled at UNIKOM in 2021-2024. This is mainly due to the high level of consumption among students together with the tendency of making payments after due date, which leads to debts. In its implementation, the study follows the quantitative research design approach, which utilizes the descriptive empirical methods. The questionnaire methodology is used for data collection where 154 students were randomly sampled. From the findings of the study, it can be deduced that financial self-efficacy among the students is fairly high (80%). Financial self-efficacy impacts the personal financial management significantly (T-statistic = 3.947, >1.97; P value = 0.000). Financial self-efficacy impacts the personal financial management by 19.4%.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the9th International Conference on Business, Economics, Social Sciences & Humanities – Economics, Business and Management Track (ICOBEST-EBM 2026)
Series
Advances in Economics, Business and Management Research
Publication Date
4 September 2026
ISBN
978-94-6239-752-1
ISSN
2352-5428
DOI
10.2991/978-94-6239-752-1_8How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Adeh Ratna Komala
AU  - Fahira Zahri Chaniago
AU  - Kania Erlina
PY  - 2026
DA  - 2026/09/04
TI  - The Impact of Financial Self-Efficacy on Personal Financial Management
BT  - Proceedings of the9th International Conference on Business, Economics, Social Sciences & Humanities – Economics, Business and Management Track (ICOBEST-EBM 2026)
PB  - Atlantis Press
SP  - 89
EP  - 96
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-752-1_8
DO  - 10.2991/978-94-6239-752-1_8
ID  - Komala2026
ER  -