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All Journal Economics and Business Journal
Rifa Fatra Yahya Masruroh
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Economics, Econometrics & Finance

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The Effect of Financial Literacy and Lifestyle on Financial Management Behavior with Self-Efficacy as a Mediation Variable: A Study of Young Workforce in Tuban Regency Rifa Fatra Yahya Masruroh; Farahiyah Sartika
Economics and Business Journal (ECBIS) Vol. 4 No. 5 (2026)
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i5.380

Abstract

This study aims to analyze the influence of financial literacy and lifestyle on financial management behavior, with self-efficacy as a mediating variable among young workers in Tuban Regency. This study employed a quantitative approach involving 160 respondents, and the data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) through SmartPLS 3. The results indicate that financial literacy, lifestyle, and self-efficacy have significant effects on financial management behavior. Financial literacy also significantly influences self-efficacy, while lifestyle does not have a significant effect on self-efficacy. Furthermore, self-efficacy is proven to mediate the relationship between financial literacy and financial management behavior, but it does not mediate the relationship between lifestyle and financial management behavior
Co-Authors Farahiyah Sartika