PENGARUH LITERASI KEUANGAN DAN PENGELOLAAN KEUANGAN TERHADAP GAYA HIDUP MASYARAKAT PEKERJA DI KOTA BANDAR LAMPUNG

Irna Anjelita, Luke Suciyati Amna

Abstract


Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan pengelolaan keuangan terhadap gaya hidup masyarakat pekerja di Kota Bandar Lampung. Penelitian menggunakan pendekatan kuantitatif dengan metode deskriptif. Sampel penelitian berjumlah 97 responden yang dipilih menggunakan teknik simple random sampling. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan regresi linier berganda dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa literasi keuangan dan pengelolaan keuangan berpengaruh positif dan signifikan terhadap gaya hidup masyarakat pekerja, baik secara parsial maupun simultan. Temuan ini menunjukkan bahwa peningkatan literasi dan kemampuan pengelolaan keuangan dapat mendorong terciptanya gaya hidup yang lebih rasional dan seimbang sesuai dengan kondisi finansial masyarakat pekerja.

Keywords


Gaya Hidup; Literasi Keuangan; Pengelolaan keuangan.

Full Text:

PDF

References


Ajzen, I. (1991). The Theory Of Planned Behavior. Organizational Behavior And Human Decision

Processes, 50(2),. Https://Doi.Org/Https://Doi.Org/10.1016/0749-5978(91)90020-T

Aprila, E. S. S., Amna, L. S., Habiburrahman, H., & Rachman, M. E. (2025). Pengaruh Literasi

Keuangan Dan Gaya Hidup Pada Perilaku Keuangan Mahasiswa Fakultas Ekonomi Dan Bisnis

Universitas

Bandar

Lampung.

Https://Doi.Org/10.32877/Eb.V8i1.2083

Eco-Buss,

(1),

–684.

Atkinson, A., & Messy, F. (2012). Measuring Financial Literacy: Results Of The OECD/ International

Network On Financial Education (Infe) Pilot Study. Paris: Organisation For Economic

Cooperation And Development. International Network On Financial Education, (15).

Diskhamarzaweny, Irwan, & Dewi, D. K. (2022). PENGARUH LITERASI KEUANGAN, SIKAP

KEUANGAN, DAN GAYA HIDUP TERHADAP PERILAKU MANAJEMEN KEUANGAN MAHASISWA

PROGRAM STUDI AKUNTANSI UNIVERSITAS ISLAM KUANTAN SINGINGI. JURNAL EKONOMI

AL-KHITMAH, 4.

Engel,

Blackwell, Dan M. (1955). Consumer Behavior (8th Ed.). Dryden Press.

Https://Doi.Org/Https://Books.Google.Com/Books/About/Consumer_Behavior.Html?Id=Bw

qfqgaacaaj

Eugenianda, A. N., & Safitri, M. (2024). Pengaruh Literasi Keuangan, Locus Of Control Dan Financial

Technology Terhadap Perilaku Pengelolaan Keuangan Individu. Jurnal Ekonomi Dan Bisnis,

(1),. 24–36. Https://Doi.Org/Https://Doi.Org/10.33633/Jekobs.V3i1.9799

Ghozali. (2024). Aplikasi Analisis Multivariate Dengan Program IBM SPSS (Edisi 10). Semarang :

Badan

Penerbit

Universitas

Https://Doi.Org/Https://Digilib.Undip.Ac.Id/Opac/Detail?Id=84156

Diponegoro.

Hassan, R., & Lee, C. (2024). Financial Management, Lifestyle, And Financial Well-Being Among

Employees: A Global Perspective. International Journal Of Financial Studies, 12(1),. 17–29.

Https://Doi.Org/Https://Doi.Org/10.3390/Ijfs12010017

Hassan, R., Rahman, M., & Lee, C. (2023). Financial Management Behavior, Lifestyle, And Financial

Well-Being Among Employees. International Journal Of Financial Studies, 11(3),. 75–88.

Https://Doi.Org/Https://Doi.Org/10.3390/Ijfs11030075

Kanuk,

S.

Dan. (2015). Consumer Behavior (11th Ed.). Pearson Education.

Https://Doi.Org/Https://Books.Google.Com/Books/About/Consumerbehavior.Html?Id=Lexs

agaaqbaj

Keller,

K. Dan. (2022). Marketing Management (16th Ed.). Pearson Education.

Https://Doi.Org/Https://Doi.Org/10.4324/9781003114730

Liwanto, L. M., & Setyani, A. Y. (2025). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap

Pengelolaan Keuangan Pribadi Mahasiswa Fakultas Bisnis Universitas Kristen Duta Wacana.

Journal Of Acconting Anda Finance Management, 6.

Lumbantobing, H., Effendi, M., & Wulandari, D. (2023). The Influence Of Financial Literacy And

Financial Behavior On Financial Management Of Employees In Indonesia. Asian Economic And

Financial

Review,

(2),.

Https://Doi.Org/Https://Doi.Org/10.18488/5009.V13i2.5391

–228.

Lusardi, A., & Mitchell, O. S. (2022). Financial Literacy And Financial Well-Being: A Review And

New Perspectives. Journal Of Economic Literature, 60(3),. 1167–1219.

Https://Doi.Org/Https://Doi.Org/10.1257/Jel.20221400

Putra, I. N., & Utami, S. (2023). Transformasi Gaya Hidup Dan Identitas Sosial Di Kalangan Pekerja

Swasta.

Jurnal

Sosiologi

Modern,

Https://Doi.Org/Https://Doi.Org/10.5678/Jsm.V10i2.4456

(2),.

–105.

Putri, M., & Santoso, B. (2023). Personal Financial Management And Its Impact On Financial Stress

Among

Employees.

Jurnal

Manajemen

Dan

Https://Doi.Org/Https://Doi.Org/10.21009/Jmb.V12i3.4567

Bisnis,.

–160.

Rahmawati, Z. A., Indrawati, N. K., & Aisjah, S. (2024). Building Financial Well-Being Through

Financial Socialization And Literacy: Study Of Millennial Employees At PT. Solusi Bangun

Indonesia Tbk. International Journal Of Research In Business And Social Science (2147-

, 13(5), 450–462.

Riana, D., & Kristianto, Y. (2023). Pengelolaan Keuangan Pribadi Dan Kualitas Hidup. Jurnal

Keuangan Pribadi, 5(1),. 33–47. Https://Doi.Org/Https://Doi.Org/10.5678/Jkp.V5i1.6789

Sari, R. N., & Nugroho, B. (2023). Consumer Lifestyle And Financial Planning Behavior Among

Employees In Indonesia. Jurnal Ekonomi Dan Manajemen Modern, 4(2),. 98–111.

Https://Doi.Org/Https://Doi.Org/10.21009/Jemm.V4i2.221

Satriadi, D., Manurung, A. H., Sembel, R., & Sutawidjaya, A. H. (2023). Meningkatkan Financial

Management Behavior Dan Investment Decision Making Melalui Financial Knowledge,

Attitude, Dan Emotional Intelligence Dengan Risk Perception. Jurnal Riset Akuntansi &

Perpajakan (JRAP), 10(2), 161–179. Https://Doi.Org/10.35838/Jrap.2023.010.02.14

Sugiyono. (2020). Metodologi Penelitian Kuantitatif, Kualitatif Dan R & D.

Sugiyono. (2023). Metode Penelitian Kuantitatif, Kualitatif, Dan R&D (Edisi Revisi). Bandung:

Alfabeta.

Https://Doi.Org/Https://Digilib.Stekom.Ac.Id/Assets/Dokumen/Ebook/Feb_35efe6a47227d6

a75569c2f3f39d44fe2db43_1652079047.Pdf

Sulkiah.

(2023). PENGARUH LITERASI DAN PENGELOLAAN KEUANGAN TERHADAP

KESEJAHTERAAN FINANSIAL RUMAH TANGGA NELAYAN LABUHAN HAJI. Jurnal Akuntansi

Dan Keuangan Syariah: ALIANSI, 6.

Syahputra, D., & Hidayati, R. (2023). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap

Perilaku Konsumtif Generasi Muda Di Era Digital. Jurnal Ekonomi Dan Keuangan Islam, 9(1),.

–134. Https://Doi.Org/Https://Doi.Org/10.22373/Jeki.V9i1.6212

Vyas, S., & Bhattacharya, S. (2023). Lifestyle, Financial Behavior, And Financial Stress Among

Working Adults: An International Perspective. Journal Of Behavioral And Experimental

Finance, 38, 101853. Https://Doi.Org/Https://Doi.Org/10.1016/J.Jbef.2023.101853

Wahab, Y. &. (2023). Lifestyle Choices And Financial Well-Being Among Malaysian Employees. Asian

Journal

Of

Business

Research,

Https://Doi.Org/Https://Doi.Org/10.14707/Ajbr.2302

(2),.

–59.

Wijaya, D., Setiawan, R., & Lestari, M. (2023). Dampak Globalisasi Terhadap Pola Konsumsi

Masyarakat.

Jurnal

Ekonomi

Dan

Pembangunan,

Https://Doi.Org/Https://Doi.Org/10.5678/Jep.V13i2.3456

(2),.

–1455.

Yadav, S., & Kumar, R. (2023). Financial Literacy And Personal Financial Management Behavior:

Evidence From Emerging Markets. International Journal Of Financial Studies, 11(2),. 58–70.

Https://Doi.Org/Https://Doi.Org/10.3390/Ijfs11020058




DOI: https://doi.org/10.37479/jimb.v9i1.38717

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Alamat Redaksi:

Fakultas Ekonomi Universitas Negeri Gorontalo

Jalan Jenderal Sudirman No. 6 Kota Gorontalo