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The Influence of Financial Literacy and Lifestyle Rustama, Hendra
Journal of Economics and Public Health Vol 4 No 2 (2025): Journal of Economics and Public Health: June 2025
Publisher : Global Health Science Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/jeph.v4i2.6985

Abstract

Individual financial management behavior is a crucial factor in determining economic well-being, especially in today’s era of high consumerism. Low financial literacy and unhealthy lifestyles are often the primary causes of poor personal financial management. This study aims to determine the influence of financial literacy and lifestyle on financial behavior among respondents. A quantitative method with a descriptive correlational approach was used. The sample consisted of 100 respondents selected through purposive sampling. Data was collected using a questionnaire, then data analysis was carried out using percentages in univariate, partial tests and simultaneous tests. Descriptive analysis showed that the majority of respondents had good financial literacy (84%), a good lifestyle (78%), and positive financial behavior (83%). Multiple linear regression analysis indicated that financial literacy had a significant effect on financial behavior (p = 0.000; β = 0.725), and lifestyle also had a significant effect (p = 0.002; β = 0.202). Simultaneous testing (ANOVA) revealed that financial literacy and lifestyle together significantly influenced financial behavior (p = 0.000; F = 141.193). It can be concluded that better financial literacy and a more positive lifestyle are associated with better individual financial behavior. These findings highlight the importance of financial education and lifestyle control in supporting healthy financial management.
Pengaruh Budaya Berwirausaha Dan Pendidikan Kewirausahaan Terhadap Minat Berwirausaha Mahasiswa Di Universitas Bhakti Husada Indonesia Rustama, Hendra
Entrepreneur: Jurnal Bisnis Manajemen dan Kewirausahaan Vol. 7 No. 1 (2026): JANUARI
Publisher : Program Studi Manajemen Fakultas Ekonomika dan Bisnis Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/entrepreneur.v7i1.16581

Abstract

This study aims to determine the influence of entrepreneurial culture on students' entrepreneurial interest and to find out the influence of entrepreneurship education on students' entrepreneurial interest. This method uses a quantitative research method with an associative study. The research location is at Bhakti Husada Indonesia University with the population and sample being students. The research instrument uses a questionnaire. The operational definitions of the variables used in this study are Entrepreneurial Interest (Y), Entrepreneurial Culture (X1), and Entrepreneurship Education (X2). The data analysis technique uses descriptive statistics and classical assumptions, with hypothesis testing processed using SPSS. The research results show that the influence of Entrepreneurial Culture and Entrepreneurship Education on Entrepreneurial Interest F-count 153.773 > F-table 3.090 (sig 0.000), with sig 0.000 < 0.05 indicating that H0 is rejected and Ha is accepted.