The Effect of Personality Characteristics and Financial Learning on Students’ Financial Literacy Levels

DOI

10.2991/978-2-38476-317-7_69How to use a DOI?

Keywords

Personality Traits; Financial Learning; Financial Literacy Levels

Abstract

The Indonesian people’s lack of financial literacy has real-world consequences for the country’s economy and standard of living. As a result, universities and colleges play a crucial role in educating the populace about personal finance and instilling strong moral values in the next generation. It is the objective of this research to determine the impact of financial learning and personality characteristics on the literacy level of students in higher education. This research is a literature review that involves the examination of a variety of theories, findings, and pertinent previous journals. The findings of the research indicate that the financial literacy levels of students are influenced by their personality and financial learning. Financial difficulties are decreased as an individual’s financial behavior and knowledge improve. Students’ financial management abilities are also influenced by their personalities. For instance, those who exhibit a conscientious personality trait are more likely to possess superior financial management abilities. On the other hand, individuals with materialistic personality traits are less adept at managing their finances and controlling their expenditures. As a result, additional research is required to gain a more comprehensive understanding of the impact of personal and financial learning on the financial literacy levels of students.

Copyright

© 2025 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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TY  - CONF
AU  - Susanti
AU  - Vivi Pratiwi
AU  - Han Tantri Hardini
AU  - Moh. Danang Bahtiar
AU  - Irwan Adimas Ganda Saputra
PY  - 2025
DA  - 2025/02/13
TI  - The Effect of Personality Characteristics and Financial Learning on Students’ Financial Literacy Levels
BT  - Proceedings of the International Joint Conference on Arts and Humanities 2024 (IJCAH 2024)
PB  - Atlantis Press
SP  - 673
EP  - 683
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-317-7_69
DO  - 10.2991/978-2-38476-317-7_69
ID  - 2025
ER  -