Investigating the impact of financial literacy, financial stress and financial self-efficacy on financial health

The leading research was conducted with the aim of investigating the effect of financial literacy, financial stress and financial self-efficacy on financial health. In terms of nature and method, the research is descriptive-survey research and applied in terms of purpose. The statistical population of the research is considered to be all the students of Imam Javad (AS) Higher Education Institute of Yazd in 1401, and 306 people were selected as the sample size through Cochran's formula. The sampling method is available sampling and the data collection tool is a questionnaire, which was used to measure financial health, financial literacy and financial stress from Islam and Zaki's (2019) questionnaire, and to measure financial self-efficacy, Lun's (2011) questionnaire was used. The validity (confirmatory factor analysis, convergent and divergent validity) of the research tool was checked and confirmed, and its reliability was measured using Cronbach's alpha coefficient test and composite reliability, and according to the results obtained, the reliability of the research tool can be confirmed. Data analysis was done using descriptive and inferential statistics methods with partial least squares method, using SPSS and SmartPLS software. The results obtained from this research showed that financial literacy and financial self-efficacy had a direct and significant effect on the financial health of students; But financial stress does not affect their financial health..