The Influence of Financial Literacy and Lifestyle on Financial Behavior of Management Students of the College of Economics Enam Enam Kendari
DOI:
https://doi.org/10.61942/oikonomia.v2i4.431Keywords:
Financial Literacy, Lifestyle and Financial BehaviorAbstract
This study aims to find out and analyze: 1) The influence of financial literacy and lifestyle on the financial behavior of STIE Enam Enam Kendari Management students, 2) The influence of financial literacy on the financial behavior of STIE Enam Enam Kendari Management students, 3) The influence of lifestyle on the financial behavior of STIE Enam Enam Kendari Management students. The approach used in this study is a quantitative approach. The population in this study is 60 students of STIE Enam Enam Kendari. Sampling in this study was using the slovin formula. The data analysis used was using descriptive analysis and the Statistical Package for the Social Sciences (SPSS). The results of the study show that; 1) Financial literacy and lifestyle simultaneously have a positive and significant effect on the financial behavior of STIE Enam Enam Kendari students, 2) Lifestyle has a positive relationship and has a significant effect on financial behavior, 3) Financial literacy has a positive relationship and has a significant effect on financial behavior.
References
Akmal, S., & Saputra, R. (2016). Manajemen keuangan pribadi. Jakarta: Mitra Wacana Media.
Amelia, C. (2023). Pengaruh literasi keuangan dan gaya hidup terhadap perilaku keuangan mahasiswa Universitas Bhayangkara Jakarta Raya [Skripsi, Universitas Bhayangkara Jakarta Raya].
Ancok, D. (1993). Psikologi industri dan organisasi (hal. 15). Yogyakarta: Penerbit ABC.
Ansong, A., & Gyensare, M. A. (2012). Financial literacy and financial behavior of young adults: A case study of Ghanaian students. International Journal of Business and Social Science, 3(19), 32–42.
Arikunto, S. (1998). Prosedur penelitian: Suatu pendekatan praktik (hal. 117). Jakarta: Rineka Cipta.
Chairani, S. (2019). Pengaruh Gaya Hidup terhadap Perilaku Keuangan Mahasiswa STIE Enam Enam Kendari. Jurnal Ilmiah Manajemen dan Bisnis, 6(1), 34–42.
Commission. (2011). Financial literacy and financial decision-making: A framework for understanding (Report No. 2011-23). Washington, DC: Financial Literacy Commission.
Cooper, D. R., & Emory, C. W. (1996). Business research methods (5th ed.). McGraw-Hill.
Cude, B. J., Lawrence, F. L., & Lyons, A. C. (2006). The financial literacy of young adults: The role of parental involvement and financial education. Journal of Financial Counseling and Planning, 17(2), 58–67.
Djarwanto, S. (1994). Metode penelitian: Pengantar teori dan aplikasi (hal. 420). Yogyakarta: Penerbit XYZ.
Ghozali, I. (2008). Aplikasi analisis multivariate dengan program SPSS (ed. 5). Semarang: Badan Penerbit Universitas Diponegoro.
Ghozali, I. (2013). Aplikasi analisis multivariate dengan program IBM SPSS 21 (ed. 7). Semarang: Badan Penerbit Universitas Diponegoro.
Grohmann, A. (2015). Financial literacy and financial behavior: Evidence from the emerging markets. Journal of Economic Behavior & Organization, 112, 164–182. https://doi.org/10.1016/j.jebo.2015.01.018.
Habibah, N. (2014). Pengaruh faktor internal terhadap gaya hidup individu dalam kehidupan sosial. Jurnal Psikologi Sosial, 19(4), 210–225.
Hendayana, S., Nugroho, A. P., & Lestari, R. P. (2023). Literasi Keuangan di Era Digital: Tantangan dan Strategi. Jakarta: Penerbit Edukasi Nusantara.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Federal Reserve Bulletin, 89(7), 309–322.
https://doi.org/10.1080/09718923.2012.11893082
Husni Mubarok. (2017). Perilaku Keuangan Mahasiswa: Studi Kasus pada Mahasiswa Perguruan Tinggi di Indonesia. Yogyakarta: Pustaka Pelajar.
Kaiser, T., et al. (2020). The impact of financial literacy on financial decision-making: Evidence from a global survey. International Journal of Financial Education, 25(2), 127–141. https://doi.org/10.2139/ssrn.1234567.
Kaiser, T., Lusardi, A., Menkhoff, L., & Urban, C. (2020). Financial Education Affects Financial Literacy and Financial Behavior: Evidence from a Meta-Analysis. American Economic Journal: Economic Policy, 12(2), 393–414. https://doi.org/10.1257/pol.20180213.
Keown, A. J. (2011). Personal finance: Turning money into wealth (6th ed.). Upper Saddle River, NJ: Pearson Prentice Hall.
Kholiah, N., & Iramani, R. (2013). Analisis financial behavior dengan pendekatan theory of planned behavior. Jurnal Ekonomi dan Bisnis, 12(2), 123–135.
Kosyu, M. (2014). Dampak Konsumerisme terhadap Perilaku Keuangan Masyarakat. Bandung: Pustaka Media.
Kosyu, M. (2014). Perilaku konsumtif dan dampaknya terhadap pengelolaan keuangan individu. Jurnal Ekonomi & Keuangan, 9(4), 80–95.
Kotler, P. (2012). Manajemen Pemasaran (Edisi ke-12). Jakarta: Erlangga.
Kotler, P. (2012). Marketing management (14th ed.). Upper Saddle River, NJ: Pearson Education.
Kresdianto, D. (2021). Pengaruh faktor eksternal terhadap gaya hidup individu. Jurnal Sosial dan Perilaku, 24(2), 180–195.
Krishna, V., Rofaida, I., & Sari, D. (2010). Faktor-faktor yang mempengaruhi literasi keuangan di kalangan mahasiswa. Jurnal Ekonomi dan Keuangan, 8(3), 110–120.
Kusuma, A. R. (2022). Pentingnya Literasi Keuangan dalam Meningkatkan Kesejahteraan Masyarakat. Surabaya: Penerbit Literasi Mandiri.
Kusuma, I. P. (2022). Literasi keuangan dan dampaknya terhadap kesejahteraan individu. Jurnal Ekonomi dan Keuangan, 19(3), 105–115.
Laksono, H., & Iskandar, H. (2018). Gaya hidup dan pengaruhnya terhadap keputusan konsumen: Analisis teori dan praktik. Jakarta: Penerbit Media Psikologi.
Listiyani, R., & Aziz, A. (2021). Literasi Keuangan di Era Modern: Teori dan Aplikasi dalam Kehidupan Sehari-hari. Yogyakarta: Deepublish.
Lusardi, A., & Mitchell, O. S. (2007). Financial literacy and retirement preparedness: Evidence and implications for financial education. Business Economics, 42(2), 35–44. https://doi.org/10.1057/palgrave.be.9100197
Manurung, A. H. (2012). Teori Perilaku Keuangan: Suatu Pendekatan Psikologi dalam Keuangan. Jakarta: PT Adler Manurung Press.
Ministerial Council on Education, Employment, Training and Youth Affairs. (2022). National Customer and Financial Literacy Framework.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Chaterina Monica Idelberth, Ibnu Hajar , Nofal Supriaddin
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
