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p-Index From 2021 - 2026
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All Journal Equivalent : Journal of Economic, Accounting and Management
Cahyo Pramono
Universitas Pembangunan Panca Budi, Medan, North Sumatera
Economics, Econometrics & Finance

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The Influence of Intellectual Intelligence, Emotional Intelligence, and Lifestyle on Financial Literacy and Financial Management Ability of Students of Panca Budi Development University Dastin Syafitri; Noni Ardian; Cahyo Pramono
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 1 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i1.1783

Abstract

Financial literacy and financial management skills are important competencies that students must have to face the complexity of digital financial services and economic challenges in the modern era. Lifestyle changes when studying in the city often lead to uncontrolled consumptive behavior, coupled with easy access to various digital financial services such as paylater, e-wallets, and online loans that have the potential to be abused. This study aims to analyze and test the influence of Intellectual Intelligence, Emotional Intelligence, and Lifestyle on Financial Literacy and Financial Management Ability of Panca Budi Development University students. The population in this study is all students of the Financial Management Study Program class of 2022 totaling 71 respondents using saturated sampling techniques. The data analysis method used is Partial Least Square-Structural Equation Modeling (PLS-SEM) to test the causal relationship between variables. The results of the study show that Intellectual Intelligence has a positive and significant effect on Financial Literacy and Financial Management Ability. Emotional Intelligence shows a negative influence on Financial Literacy but has a positive effect on Financial Management Ability. Lifestyle proved to be the strongest predictor that had a positive and significant effect on both dependent variables, with the most dominant influence on Financial Literacy. This research model has good predictive ability in explaining the variation in Financial Literacy and Student Financial Management Ability.   
Analysis of the Influence of Financial Literacy, Lifestyle and Financial Knowledge on Personal Financial Management Behavior of Employees of PT Matoga Cipta Indonesia Allifah Azhara Sumantri; Aulia; Cahyo Pramono
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 1 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i1.1785

Abstract

The development of technology and easy access to financial products require employees to have good personal financial management skills. However, in reality, there are still many employees who experience difficulties in managing finances due to low financial literacy, consumptive lifestyles, and limited financial knowledge. This study aims to analyze the influence of financial literacy, lifestyle, and financial knowledge on the personal financial management behavior of PT Matoga Cipta Indonesia employees. This study uses a quantitative approach with a survey method. Data was collected through the distribution of questionnaires to 40 employees as research respondents with saturated sampling techniques. Data analysis was carried out using multiple linear regression with the help of the SPSS program. The results of the study show that financial literacy and financial knowledge have a positive and significant effect on employees' personal financial management behavior, while lifestyle has a negative and significant effect. Simultaneously, financial literacy, lifestyle, and financial knowledge have a significant effect on the personal financial management behavior of PT Matoga Cipta Indonesia employees. This research is expected to be the basis for companies to improve the financial well-being of employees through better education and financial management programs.
Co-Authors Allifah Azhara Sumantri Aulia Dastin Syafitri Noni Ardian