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All Journal International Journal of Business and Quality Research
Mia Auliah
Universitas Islam Negeri Siber Syekh Nurjati Cirebon
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect of Income Level, Financial Literacy, and Lifestyle on Employee Spending Levels at PT. Hi-Lex Cirebon Mia Auliah; Abdul Nasir; Syaeful Bakhri
International Journal of Business and Quality Research Vol. 4 No. 02 (2026): April-June, International Journal of Business and Quality Research (IJBQR)
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v4i02.3555

Abstract

This study aims to analyze the influence of income level, financial literacy, and lifestyle on the level of expenditure of employees of PT. Hi-Lex Cirebon. This research is motivated by the increasing needs of employees' lives which are not always balanced with the ability to manage expenses. The research method uses a quantitative approach with a causal associative type. Data was obtained through questionnaires to 86 respondents who were selected using probability sampling using the random sampling method. Data analysis used multiple linear regression through t-test, F test, and determination coefficient. The results showed that the income level did not have a significant effect on the level of expenditure with a calculated t-value of 0.074 < 1.989 and a significance of 0.941 > 0.05. Financial literacy had a significant effect with a t-value of 2.127 > 1.989 and a significance of 0.036 < 0.05, while lifestyle had a significant effect with a t-value of 4.654 > 1.989 and a significance of 0.000 < 0.05. Simultaneously, the three variables had a significant effect on the level of expenditure with an F value of 21.285 > 2.70 and a significance of 0.000 < 0.05. An Adjusted R² value of 0.417 indicates that 41.7% of the variation in the level of expenditure can be explained by these three variables.
Co-Authors Abdul Nasir Bakhri, Syaeful