Financial Literacy of Students at the Faculty of Economics and Business, State University of Surabaya

This research examines the effects of gender, age, parental income, parental education, and work experience on financial literacy among undergraduate, graduate, and postgraduate students at Universitas Negeri Surabaya’s Faculty of Economics and Business. Employing a quantitative approach with 383 survey respondents, the study utilizes multiple linear regression via SPSS 2025. Findings indicate that female students exhibit higher financial literacy than males. Moreover, parental income, maternal education, and work experience significantly contribute to financial literacy, while age and paternal education show no such influence. These results underscore the pivotal role of familial socioeconomic factors—particularly maternal educational attainment—and experiential learning in fostering students’ financial capability and informed decision-making