Title:
IMPACT OF ECONOMIC LITERACY AND FINANCIAL MANAGEMENT ON FINANCIAL PLANNING WITH SELF CONTROL AS MODERATION

Authors:
Sihar Tambun and Erna Cahyati

Abstract:
This study aims to prove the role of self-control as a moderator, on the influence of economic literacy and financial management on financial planning. Economic literacy and financial management are tested for their direct impact on financial planning. While self-control is used to test the impact of moderating, strengthening, or weakening interactions. The research was conducted on students in Jakarta with a sample of 175 respondents. Data collection using google forms. Data processing includes validity tests and data reliability tests, as well as a regression test with moderating interaction model. This study proves that economic literacy and financial management are factors that have a significant influence on financial planning directly. The impact given is positive or unidirectional. Self-control is able to strengthen the influence of economic literacy on financial planning. The results of this study recommend that if you want to make good financial planning, then economic literacy and financial management is a very important factor and supports good financial planning. Likewise with self-control, being able to strengthen the impact of economic literacy and financial management on financial planning.

Keywords:
Economic Literacy, Financial Management, Financial Planning, Self-Control