Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis
Siti Rahmah Ayu
Universitas Bina Darma
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Pengaruh Tingkat Pendapatan dan Gaya Hidup terhadap Perilaku Keuangan Pribadi melalui Minat Menabung Mahasiswa di Palembang Siti Rahmah Ayu; Fitriasuri Fitriasuri; Septiani Fransisca; Andrian Noviardy
Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis Vol. 4 No. 4 (2026): Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen dan Bisnis
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/manuhara.v4i4.2877

Abstract

This study aims to analyze the effect of income level and lifestyle on personal financial behavior through saving interest among students in the Plaju area of Palembang City. This study uses a quantitative approach with a causal associative design. The research data were collected through questionnaires distributed to students and analyzed using path analysis and the Sobel test. This study employs income theory, lifestyle theory, and the Theory of Planned Behavior as the theoretical foundations for explaining the relationships among the research variables. Income theory explains that income level influences an individual’s ability to allocate resources for consumption and savings. Lifestyle theory explains that a person’s activities, interests, and opinions can influence consumption patterns and financial management. Meanwhile, the Theory of Planned Behavior explains that interest or intention is a factor that encourages individuals to engage in certain behaviors, including saving and financial management. The results show that income level and lifestyle are related to students’ saving interest and personal financial behavior. Saving interest also plays a mediating role in linking income level and lifestyle with personal financial behavior. The findings highlight the importance of saving interest in shaping students’ financial behavior to become more organized and responsible.
Co-Authors Fitriasuri, Fitriasuri Noviardy, Andrian Septiani Fransisca