Siti Reuni Inayati
Program Studi Akuntansi, Fakultas Ekonomi, Universitas Gunung Rinjani, Indonesia

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Pengaruh Pengelolaan Keuangan dan Literasi Keuangan terhadap Keharmonisan Rumah Tangga di Desa Wanasaba Kecamatan Wanasaba Kabupaten Lombok Timur Siti Aulia Agustina; Siti Reuni Inayati
Jurnal Ekonomi, Manajemen, dan Bisnis Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen dan Bisnis
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Kalibra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70716/emis.v4i3.787

Abstract

This study aims to examine the effect of financial management and financial literacy on household harmony in Wanasaba Village, Wanasaba District, East Lombok Regency. This research employed a quantitative approach with a causal associative research design. The population consisted of married household heads who had been married for at least five years in Wanasaba Village. A total of 96 respondents were selected using the Proportionate Stratified Random Sampling technique. Data were collected through questionnaires using a five-point Likert scale. Data analysis was conducted using validity and reliability tests, classical assumption tests, multiple linear regression analysis, partial significance test (t-test), simultaneous significance test (F-test), and the coefficient of determination with the assistance of SPSS version 26. The findings indicate that financial management has a positive and significant effect on household harmony. Financial literacy also has a positive and significant effect on household harmony. Simultaneously, financial management and financial literacy significantly influence household harmony, with an Adjusted R² value of 52.5%, indicating that 52.5% of the variation in household harmony is explained by the independent variables, while the remaining 47.5% is influenced by other factors outside the research model. These findings imply that better financial management and higher levels of financial literacy contribute to greater household harmony.