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This research examines how financial literacy components relate to self-management among university students.

Applied Financial Learning as a Key Predictor of Financial Self-Management in Higher Education Evidence from Peruvian University Students

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Randomized trial analyzes financial self-management in university students, suggesting focus on practical learning strategies.

This research examines how financial literacy components relate to self-management among university students.
Analyzed 422 surveys from Peruvian university students, with 358 complete cases used in analysis.
Used partial least squares structural equation modeling (PLS-SEM) for estimation with 5000 bootstrap replicates.
Assessed relationships between technical-financial knowledge, attitudes, practical applications, and financial self-management.
Technical-financial knowledge significantly predicts perception towards financial education (β = 0.711; p < 0.001).
Technical-financial knowledge also predicts practical application of financial knowledge (β = 0.709; p < 0.001).
Financial self-management is explained more strongly by practical application of financial knowledge (β = 0.558; p < 0.001) than by perception (β = 0.282; p < 0.001).

Eche-Querevalú et al. (2026) studied this question.

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