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All Journal EKONOMIS : Journal of Economics and Business Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Management Studies and Entrepreneurship Journal (MSEJ) Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Samsul Bachri
Universitas Muhammadiyah Palopo
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Perilaku Pengelolaan Keuangan (Studi Kasus Pada Pegawai Perumda Tirta Mangkaluku Kota Palopo) Amanda Amanda; Samsul Bachri; Altri Wahida
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 2 (2026): April 2026
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i2.5912

Abstract

This study aims to evaluate the influence of financial literacy and lifestyle on the financial management behavior of employees at Perumda Tirta Mangkaluku Kota Palopo. Using a quantitative approach through surveys, data were collected randomly from employees using a questionnaire covering the three variables. The results of multiple regression analysis indicate that both financial literacy and lifestyle have a significant and positive effect on financial management behavior. These findings highlight the importance of improving financial literacy and promoting a positive lifestyle among employees, which contributes not only to their personal financial well-being but also to overall company performance. Based on these results, it is recommended that Perumda Tirta Mangkaluku Kota Palopo develop more relevant and effective financial education programs and foster a work environment that supports healthy living and prudent financial management.
Pengaruh Literasi Keuangan dan Lifestyle Terhadap Pengelolaan Keuangan Pribadi Gen-Z pada Mahasiswa IAIN Palopo Nurul Husna S; Hapid; Samsul Bachri
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7770

Abstract

In today's modern era, many people, especially the younger generation, face difficulties in managing their personal finances, which is often caused by low financial literacy and a lifestyle that is not in accordance with financial conditions. This study aims to determine the effect of financial literacy and lifestyle on Gen-Z personal financial management in IAIN Palopo students. the method used in this study uses quantitative methods with multiple linear regression techniques, with a sample size of 75 respondents, namely IAIN Palopo students in the Sharia Economics study program class of 2021, 2022, and 2023. Data collection was carried out using a questionnaire consisting of three variables, namely financial literacy, lifestyle, and personal financial management. The results of this study indicate that financial literacy has a positive and significant effect on student personal financial management, lifestyle has a positive and significant effect on student personal financial management, and simultaneously financial literacy and lifestyle have a positive and sign ificant effect on personal financial management in Gen-Z students of IAIN Palopo.
Co-Authors Abid Ramadhan Ahmad Haekal Munzir Aminuddin Altri Wahida Amanda Amanda Armah Suratmah Duriani Duriani Frinzky Natalia Djalupi Hapid I Ketut Patra Muhammad Resky Wahyuddin Nur Nurul Husna S Pungki Pungki Rezky Auliyah Faizal Sari Ratna Dewi Sri lestari Sri Wahyuni putri Suhadra Makkasau Suhandra Makkasau Syahraini Syahraini Syalwah Syalwah