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p-Index From 2021 - 2026
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All Journal International Journal of Economics, Business and Accounting Research (IJEBAR) International Journal of Business, Economics, and Social Development
Mardiyani
Universitas swadaya gunung jati
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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THE EFFECT OF FINANCIAL LITERACY AND HEDONISTIC LIFESTYLE ON PAYLATER FINANCIAL MANAGEMENT BEHAVIOR: THE MEDIATING ROLE OF SELF-CONTROL Ade Nurohmah; Mardiyani
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 10 No 2 (2026): IJEBAR: Vol. 10, Issue 2, June 2026
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v10i2.19704

Abstract

This research is motivated by the increasing use of payLater among young people in theCirebon region, which has the potential to lead to the risk of default due to less controlled financial management behavior. The purpose of this study is to analyze the influence of financial literacy and a hedonistic lifestyle on financial management behavior, with self-control as a mediating variable. The research method used is a quantitative method with a causal associative approach. The sampling technique used was purposive sampling with 120 selected respondents who met the criteria. Data analysis using SmartPLS 4.0. The research results indicate that financial literacy significantly influences financial management behavior and self-control. Meanwhile, a hedonistic lifestyle does not significantly affect financial management behavior but significantly impacts self-control. Additionally, self-control is proven to significantly mediate the influence of financial literacy and a hedonistic lifestyle on financial management behavior.
Personal Financial Management in the Digital Age: The Role of Financial Planning and E-Wallets Selfiya; Mardiyani
International Journal of Business, Economics, and Social Development Vol. 7 No. 3 (2026): International Journal of Business, Economics, and Social Development (IJBESD)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v7i3.1209

Abstract

This study examines the impact of financial planning and e-wallet usage on personal financial management, with lifestyle serving as a mediating variable. The research was conducted using a quantitative approach among 150 active e-wallet users in Cirebon, selected through purposive sampling, and the data were collected via questionnaires and analyzed using the SEM-PLS method. The study's results indicate that financial planning and the use of e-wallets have a positive, significant effect on personal financial management. Lifestyle has a significant effect on personal financial management but does not mediate the relationship between financial planning or e-wallet usage and personal financial management. These results indicate that personal financial management is more directly shaped by financial planning, while lifestyle changes resulting from e-wallet usage have not contributed to improving financial management quality. Therefore, the study highlights the importance of increasing awareness of sound financial planning and the responsible use of e-wallets, particularly among young people, to prevent excessive consumerist behavior that may negatively affect personal financial management.
Co-Authors Ade Nurohmah Selfiya