Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Gaya Hidup Terhadap Perilaku Keuangan Masyarakat di Surabaya
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
Sari, Nanda Kartika
Subject
658.15 - FINANCIAL MANAGEMENT
Datestamp
2024-05-10 03:00:13
Abstract :
Financial behavior is very necessary for individuals as an individual's ability to manage and also use their daily financial resources. Good financial behavior can increase individual financial capabilities, minimize financial risks, and accumulate wealth within a certain period of time so as to increase personal financial stability. This research aims to analyze the influence of financial literacy, financial inclusion and lifestyle on financial planning in the people of Surabaya. The number of respondents for this research was 150 respondents with the criteria of having a total income of IDR 4,000,000 per month, individuals aged 20-65 years and domiciled in the city of Surabaya. The sampling technique in the research used purposive sampling technique. The analysis technique used in this research is PLS-SEM (Partial Least Square Structural Equation Model) with the Warp PLS 8.0 program. The results of this study explain that financial literacy has no effect on financial behavior, financial inclusion has a significant positive effect on financial behavior, and lifestyle has a significant negative effect on financial behavior
Financial behavior is very necessary for individuals as an individual's ability to manage and also use their daily financial resources. Good financial behavior can increase individual financial capabilities, minimize financial risks, and accumulate wealth within a certain period of time so as to increase personal financial stability. This research aims to analyze the influence of financial literacy, financial inclusion and lifestyle on financial planning in the people of Surabaya. The number of respondents for this research was 150 respondents with the criteria of having a total income of IDR 4,000,000 per month, individuals aged 20-65 years and domiciled in the city of Surabaya. The sampling technique in the research used purposive sampling technique. The analysis technique used in this research is PLS-SEM (Partial Least Square Structural Equation Model) with the Warp PLS 8.0 program. The results of this study explain that financial literacy has no effect on financial behavior, financial inclusion has a significant positive effect on financial behavior, and lifestyle has a significant negative effect on financial behavior
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