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October 21, 2025Journal of Infrastructure Policy and DevelopmentOpen Access

Internal and external locus of control in mediating financial behavior in students in Timor-Leste

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Authors

YGYohanes Sri GunturMNMulyanto NugrohoUPUlfi Pristiana

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Overview

Quantitative analysis reveals how locus of control mediates financial attitudes and behaviors among students, suggesting educational improvements.

Key Points

  • The study shows that both internal and external locus of control significantly mediate financial behavior.
  • Key evidence indicates a complex interplay between financial literacy, attitudes, and beliefs, affecting student behavior.
  • Using structural equation modeling, the analysis evaluated the relationships among various financial factors in a student population.
  • Findings suggest educational institutions should emphasize locus of control in financial literacy programs to enhance behavioral outcomes.

Cite This Study

Guntur et al. (2025) studied this question.

synapsesocial.com/papers/68f74e597f21f73e19e5b239https://doi.org/10.24294/jipd9488
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