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All Journal Jurnal Ilmiah Manajemen Kesatuan Mulia Pratama Jurnal Ekonomi dan Bisnis Journal of Accounting Issues Journal of Entrepreneurship and Financial Technology Jurnal Nusantara Raya At-Tahdzib: Jurnal Studi Islam dan Muamalah Journal of Marketing Management and Innovative Business Review
Rakhmat
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences

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The Effect of Financial Literacy on Financial Management of High School Teachers Irdawati; Rakhmat; Suci, Yuli Rahmini; Santoso, Septy Indra
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.3791

Abstract

Financial literacy is vital for teachers to manage personal finances effectively and secure long-term economic stability. This study investigates the impact of basic and advanced financial literacy on the financial management of high school teachers in Makassar City. Using a quantitative descriptive approach, 100 teachers were selected through purposive sampling, and data were collected via questionnaires. SmartPLS was employed to test validity, reliability, and hypotheses. Results indicate that both basic and advanced financial literacy significantly influence financial management. Basic literacy contributes 26.6% (p = 0.017 < 0.05), while advanced literacy shows a stronger effect of 61.6% (p = 0.000 < 0.05). Together, the two variables explain 68.1% of the variation in financial management, with 31.9% influenced by other factors. These findings highlight the dominant role of advanced financial literacy in shaping effective financial practices, while also underscoring the need to strengthen both levels to improve teachers’ decision-making, financial stability, and their role in educating students about financial matters.
Co-Authors Arsyad, Mufid Citra Amelia, Yunika Habib Ismail, Habib Irdawati Joni Reka Jaya Lilis Setiawati Maulida, Melvi Mufid Arsyad Muhklishin, Ahmad Muklishin, Ahmad Nur Riani, Kisi Saifuloh, Nur Imam Santoso, Septy Indra Simanullang, Rumia Suci, Yuli Rahmini SULASTRI Triyana, Kristien Mey Ummu Habibah, Resya Wachid Bambang Suharto, Abdul Yesi, Reni