The purpose of this study is to find out and measure how the influence of Financial Literacy and Financial Behavior on Student Investment Decisions and also the differences in investment decisions between students of Udayana University and Ganesha Education University. This research is quantitative or related to numbers as a benchmark. Data were collected using a questionnaire or questionnaire using random sampling techniques distributed to 200 respondents or students. In this study, researchers used descriptive data analysis techniques, regression tests and t-test different tests with the help of SPSS software program version 24. The results of this study indicate that financial literacy has a positive effect on investment decisions. Financial behavior has a positive effect on investment decisions. The results of this study also showed that there were no differences in student investment decisions

This study was aimed at analyzing factors that influence financial behavior among accounting students in Bali. This study used the quantitative approach through distributing questionnaires and a financial literacy test. The sample was selected through the multistage random sampling technique with the sample size of 518 respondents. The data were analyzed by using multiple regression analysis. The results of the study showed that there is a positive and significant effect of financial literacy, financial self efficacy, social economic status on financial behavior. Social economic status has the highest contribution. The finding shows that the independent variables in this study have an effect on financial behavior. As the consequence, they can be used as references to develop other variables that are related to students' financial behavior.

The Contribution of Learning in University and Financial Literacy To Student’s Financial Behaviour. The objective of this research is to determine the contribution of: (1) learning in university to student’s financial behavior, (2) the financial literacy to student’s financial behavior, (3) learning in university and financial literacy simultaneously to student’s financial behavior. The design of this research is explanatory research, which examines the contribution between learning in university and financial literacy to student’s financial behavior. The population in this study is all students of the Faculty of Economics and Business Undiksha. Data were collected using a question-naire and analyzed using descriptive statistics and path analysis (path analysis) using SPSS version 16.0 for windows. The result shows that learning in university does not contribute significantly to the financial behavior of the students. Financial literacy contributes positively and significantly to the financial behavior of students. Simultaneously learning in university and financial literacy are signifycantly contributing to the financial behavior of students. In general, the level of financial lite-racy of students at Faculty of Economics and Business comes within the low category.   Keywords: financial behavior, financial literacy, learning in university Abstrak: Kontribusi Pembelajaran di Perguruan Tinggi dan Literasi Keuangan terhadap Pe-rilaku Keuangan Mahasiswa. Tujuan penelitian ini untuk mengetahui kontribusi: (1) pembelajaran di perguruan tinggi terhadap perilaku keuangan mahasiswa, (2) literasi keuangan terhadap perilaku keuangan mahasiswa, (3) pembelajaran di perguruan tinggi dan literasi keuangan secara simultan terhadap perilaku keuangan mahasiswa. Rancangan penelitian ini adalah penelitian eksplanatori (ex-planatory research) yang mengkaji kontribusi antara pembelajaran di perguruan tinggi dan literasi keuangan terhadap perilaku keuangan mahasiswa. Populasi dalam penelitian ini adalah seluruh ma-hasiswa Fakultas Ekonomi dan Bisnis Undiksha. Data dikumpulkan dengan menggunakan kuesio-ner. Teknik analisis data menggunakan statistik deskriptif dan analisis jalur (path analysis) dengan bantuan SPSS versi 16.0 for windows. Hasil penelitian menunjukkan bahwa pembelajaran di pergu-ruan tinggi tidak berkontribusi secara signifikan terhadap perilaku keuangan mahasiswa. Literasi ke-uangan berkontribusi positif dan signifikan terhadap perilaku keuangan mahasiswa. Secara simultan pembelajaran di perguruan tinggi dan literasi keuangan berkontribusi secara signifkan terhadap peri-laku keuangan mahasiswa. Secara umum tingkat literasi keuangan mahasiswa Fakultas Ekonomi dan Bisnis tergolong masih rendah. Kata-kata Kunci: literasi keuangan, pembelajaran di perguruan tinggi, perilaku keuangan

This study aims to analyze the effect of e-money on the consumptive behavior of undergraduate accounting students in Bali Province which is mediated by self-control. This study uses a quantitative research design with an ex post facto approach and path analysis techniques. The data of this research were collected by distributing questionnaires openly using google form media to all universities in Bali. The study population was S1 Accounting students at all universities in Bali Province. The sample was selected using purposive random sampling technique. The total sample of the study was 354 people. The results showed that e-money and self-control had a direct effect on consumptive behavior. In addition, the results of the study also showed that self-control was able to mediate the relationship between e-money and consumptive behavior. This shows that it is important to improve self-control to form good financial behavior among accounting students.

Purpose This paper aims to analyse the effect of financial learning quality (FLQ) and parental socioeconomic status (SES) on the financial self-efficacy (FSE) of undergraduate Accounting students in Bali with students’ financial literacy (FL) serving a mediator. Design/methodology/approach This research used a quantitative design with ex post facto approach and path analysis technique. Research data were collected by administering a financial literacy test on, and questionnaires distributed to, the sample selected using a purposive random sampling technique. The research sample consisted of undergraduate Accounting students in Bali who were in their fourth or sixth semesters, numbering 518. Findings The research results show that financial learning quality and parental socioeconomic status directly influenced financial literacy. Financial learning quality and socioeconomic status did not have any direct influence on financial self-efficacy, but financial literacy directly affected financial self-efficacy. Additionally, the results also show that financial literacy was able to mediate learning quality’s and socioeconomic status’ relationships with financial self-efficacy. Practical implications The research results indicate that financial learning quality had a significant effect on financial literacy but lacked any direct influence on financial self-efficacy. This suggests that it is important to improve financial learning quality in not only cognitive aspect (knowledge) but also practical aspect, which will contribute to the improvement in students’ financial self-efficacy. In the future, research can be continued by finding other variables that are more dominant in influencing financial self efficacy. In addition, research and development approach can be done to find a learning model that can improve financial self-efficacy among accounting students. Originality/value Previous studies predominantly investigated the factors that affect financial literacy in students. There has been a small body of research that addresses financial self-efficacy, especially in Accounting students. Therefore, this research makes a contribution to the knowledge on factors that influence, either directly or indirectly, FSE in students with financial literacy serving as a mediator.