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All Journal Owner : Riset dan Jurnal Akuntansi JURNAL MANAJEMEN Jurnal Pengabdian Masyarakat Nusantara Jurnal Manajemen dan Bisnis Jurnal Informatika Teknologi dan Sains (Jinteks) AMMA : Jurnal Pengabdian Masyarakat Jurnal Nusa Manajemen Jurnal Insan Pengabdian Indonesia JIMEK Jurnal Manajemen, Bisnis dan Kewirausahaan
Abdul Salam
Universitas Teknologi Sumbawa
Agriculture, Biological Sciences & Forestry Humanities Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Nursing Social Sciences

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Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Perilaku Keuangan Karyawan di Kabupaten Sumbawa Abdul Salam; Asrul Syani
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 6 No. 2 (2026): Juli : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan (JIMEK)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v6i2.12105

Abstract

This study aims to examine the effects of financial literacy and lifestyle on the financial behavior of Indomaret employees in Sumbawa Regency. Sound financial behavior plays a crucial role in achieving financial well-being, particularly amid increasingly complex living needs and shifting consumption patterns. This study employed a quantitative descriptive approach using a purposive sampling technique involving 100 Indomaret employees. Data were collected through a structured questionnaire based on a five-point Likert scale and analyzed using multiple linear regression after satisfying the classical assumption tests, including normality, heteroscedasticity, and multicollinearity. The findings reveal that financial literacy has a positive and statistically significant effect on financial behavior, as indicated by a regression coefficient of 0.210, a t-value of 2.799, and a significance level of 0.006 (p less than 0.05). In contrast, lifestyle does not significantly influence financial behavior, as reflected by a regression coefficient of -0.032, a t-value of -0.293, and a significance level of 0.770 (p greater than 0.05). The coefficient of determination (Adjusted R-Square = 0.056) indicates that financial literacy and lifestyle jointly explain only 5.6% of the variance in financial behavior, while the remaining 94.4% is attributable to other factors beyond the research model. These findings highlight that financial literacy is a key determinant of rational, disciplined, and responsible financial behavior, whereas lifestyle is not a dominant factor in employees' financial management. Therefore, companies and policymakers should strengthen financial literacy education programs to enhance employees' financial decision-making quality and long-term financial resilience.
Co-Authors Abdurrahman Adi Susanto Agus Santoso Agustina A. Panambang Aldy Kurniawan Saputra Asrul Syani Chairul Hudaya Citra Ardianti Dara Karismawati edi edi Edi Irawan Fadli Faturrahman Fahlia Fahlia Fahlia Fendy Maradita Firdaus Firdaus Firdaus Firdaus Hanifa Sri Nuryani Hartini Hartini Hartini Hikmawati Indri Afriliantini Irsadul Iba’ad Iyuth Ummu Amini Mariati Maya Novianti Muhammad Nur Nuramaliyah, Nuramaliyah Putri Reno Kemala Sari Rizqi, Reza Muhammad Tirta K. Nangi Umar Umar Viqih Oschar Sahuddin Wilda Rahmayanti