Managing the Formation of The Individual Financial Culture of University Students Galina Borisovna Andreeva, Olga Alekseevna Nikitina, Lyudmila Vladimirovna Pavlova and Elena Aleksandrovna Sokolova SHS Web Conf., 79 (2020) 02002 Published online: 19 August 2020 DOI: 10.1051/shsconf/20207902002