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

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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.
The Influence of Financial Literacy and E-Wallet Usage on the Consumptive Behavior and Financial Behavior of Management Students at Pembangunan Panca Budi University Dessy Natalia Sianipar; Noni Ardian; Aulia
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.v4i1.1799

Abstract

This research aims to analyze the influence of financial literacy and e-wallet usage on the consumption behavior and financial behavior of Management students at Panca Budi Development University. The development of digital financial technology encourages the increased use of e-wallets, which has the potential to influence the consumption patterns and financial management of students. This study uses a quantitative approach with a causal associative design. Data were collected thru a Likert scale questionnaire distributed to 71 respondents using a saturated sampling technique. Data analysis was conducted using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with SmartPLS. The research results show that financial literacy has a positive and significant effect on consumptive behavior (t-statistic = 3.208; p= 0.001) and financial behavior (t-statistic 2.680; p = 0.007), while the use of e-wallets also shows a positive effect on consumptive behavior (t-statistic 1.154; p = 0.000) and a significant effect on financial behavior (t-statistic 4.507; p = 0.000). Simultaneously, this model can explain 42.1% of the variance in consumptive behavior and 38.6% of the variance in financial behavior. These test results provide empirical evidence that although digital accessibility facilitates transactions, the depth of financial literacy serves as a crucial regulatory mechanism. The synergy between financial literacy and the use of digital payment technology together becomes a real determinant in converting the use of e-wallets from mere consumption instruments into tools for more rational and measurable financial management in the digital economy era.
Co-Authors Allifah Azhara Sumantri Cahyo Pramono Dessy Natalia Sianipar Noni Ardian