Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal Electronic Journal of Education, Social Economics and Technology
Melanu, Virginia Melantika
Unknown Affiliation
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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

Found 1 Documents
Search

 1 
The Influence of Income, Financial Literacy, Financial Behavior, and Lifestyle on the Personal Financial Management of Employees at RSUD Pemangkat Melanu, Virginia Melantika; Suryadi, Edy
Electronic Journal of Education, Social Economics and Technology Vol 6, No 2 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i2.849

Abstract

This study aims to analyze the influence of income, financial literacy, financial behavior, and lifestyle on the personal financial management of employees at RSUD Pemangkat. The research uses an associative quantitative approach with data collected through questionnaires distributed to 188 civil servants as respondents. The data analysis technique applies multiple linear regression along with instrument testing and classical assumption tests. The correlation coefficient (R) of 0.769 and the coefficient of determination (R²) of 59.2% indicate that the independent variables can explain the variation in personal financial management. The F-test results show that income, financial literacy, financial behavior, and lifestyle simultaneously have a positive and significant effect on financial management. The t-test results indicate that income, financial literacy, and financial behavior have a positive and significant effect, while lifestyle has a negative and significant effect on financial management. These findings highlight the importance of increasing income, improving financial literacy, fostering good financial behavior, and controlling a consumptive lifestyle to support effective personal financial management among employees. The practical implication is the need for financial education programs and more optimal income management strategies. Future research is recommended to examine other external factors such as social pressure and macroeconomic conditions, as well as to conduct comparative studies across different institutions to enrich the findings.
Co-Authors Edy Suryadi