Self-Control Moderation on the Influence of Financial Behavior and Spiritual Intelligence on Financial Planning

Abstract

This study aims to test and analyze self-control moderation on the effect of financial behavior and spiritual intelligence on financial planning. The sample in this study was 175 respondents, who were students at various universities. Adequacy of the number of respondents based on the approach used by Hair. The data collection technique used simple random sampling by distributing research questionnaires in the form of Google from and then distributing them to social media. The data processing method in this study uses the Smart PLS software which is used to test the hypothesis. The results of this study indicate that financial behavior has proven to have a positive and significant effect on financial planning, spiritual intelligence is proven to have a positive and significant effect on financial planning, self- control is proven to have a positive and significant effect on financial planning, self-control is able to strengthen the influence of spiritual intelligence on financial planning. The results of this study recommend that students if they want to have good financial planning, they must be able to consider which needs are more important by controlling themselves and understanding how to make financial planning properly.