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All Journal AB-JOIEC: Al-Bahjah Journal of Islamic Economics International Journal of Business and Quality Research
Abdul Nasir
Universitas Islam Negeri Siber Syekh Nurjati Cirebon
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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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.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN PEMBELI KOSMETIK EMINA Putri Adinda Sari; Ila Navilah; Abdul Nasir
AB-JOIEC: Al-Bahjah Journal of Islamic Economics Vol. 2 No. 1 (2024): AB-JOIEC
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61553/abjoiec.v2i01.160

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh gaya hidup dan labelisasi halal terhadap keputusan pembelian produk kosmetik Emina pada generasi z. Metodologi penelitian menggunakan pendekatan kuantitatif dengan teknik analisis uji instrumen data, uji asumsi klasik dan analisis regresi linier berganda. Sampel penelitian ini adalah 95 responden yang merupakan mahasiswa FEBI UIN Siber Syekh Nurjati Cirebon yang dipilih berdasarkan teknik purposive sampling. Hasil penelitian menunjukkan bahwa secara parsial labelisasi halal tidak berpengaruh signifikan terhadap keputusan pembelian sedangkan gaya hidup berpengaruh signifikan terhadap keputusan pembelian. Secara simultan, labelisasi halal dan gaya hidup secara bersama-sama berpengaruh terhadap keputusan pembelian. Hasil uji koefisien determinasi (R Square) menemukan bahwa gaya hidup dan labelisasi halal memiliki pengaruh secara simultan sebesar 55% terhadap keputusan pembelian produk kosmetik Emina pada generasi z.
Co-Authors Ila Navilah Mia Auliah Putri Adinda Sari Syaeful Bakhri