PENGARUH LITERASI KEUANGAN, SIKAP KEUANGAN, DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN PADA IBU RUMAH TANGGA DI DESA REJOSOLOR KECAMATAN REJOSO KABUPATEN PASURUAN

Laily  Faizah; Yufenti  Oktafiah; Eni  Erwantiningsih

doi:10.53067/bmj.v3i5.126

Authors

Laily Faizah Universitas Merdeka Pasuruan
Yufenti Oktafiah Universitas Merdeka Pasuruan
Eni Erwantiningsih Universitas Merdeka Pasuruan

DOI:

https://doi.org/10.53067/bmj.v3i5.126

Keywords:

Financial Literacy, Financial Attitude, Lifestyle, Financial Management, Housewives

Abstract

This study aims to determine the effect of financial literacy, financial attitude, and lifestyle on the financial management of housewives in Rejosolor Village, Rejoso District, Pasuruan Regency. This study used a quantitative approach involving 91 respondents selected through purposive and cluster sampling. Data were collected using a Likert-scale questionnaire and analyzed using multiple linear regression, F-test, t-test, and Adjusted R Square. The results showed that financial literacy, financial attitude, and lifestyle simultaneously had a significant effect on financial management. Partially, financial literacy and financial attitude had positive and significant effects, while lifestyle had no significant effect. The Adjusted R Square value of 0.306 indicates that 30.6% of the variation in financial management can be explained by the three independent variables, while the remaining 69.4% is explained by other factors outside the research model. Financial literacy was the most dominant variable affecting financial management.

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