EMAS
Vol. 6 No. 8 (2025): EMAS

THE EFFECT OF FINANCIAL LITERACY, INCOME, AND LIFESTYLE ON PERSONAL FINANCIAL MANAGEMENT AMONG YOUNG WORKERS IN DENPASAR CITY

Swari, Ni Made Ary Diana Pradnya (Unknown)
Gama, Agus Wahyudi Salasa (Unknown)
Astiti, Ni Putu Yeni (Unknown)



Article Info

Publish Date
26 Aug 2025

Abstract

Financial planners should be able to manage their funds by setting aside a portion of their income for savings and investments. This study aims to determine the influence of financial literacy, income, and lifestyle on financial management. The research method used is quantitative. The population consists of young workers in Denpasar City, and the sample size is 100 people. Data analysis techniques include Validity Test, Reliability Test, Classical Assumption Test, Multiple Linear Regression Analysis, Multiple Correlation Test, Determination Coefficient, F-Test, and t-Test. The results of the study show that financial literacy has a positive and significant effect on financial management, income has a positive and significant effect on financial management, and lifestyle has a positive and significant effect on financial management. The researcher's suggestion is that young workers in Denpasar should always use their money wisely, set aside money that can be used to help their families, always manage their lifestyle well, and always be active and focused in taking courses that discuss financial management.

Copyrights © 2025






Journal Info

Abbrev

emas

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Description

EMAS merupakan jurnal ilmiah untuk ilmu ekonomi, manajemen dan bisnis yang diterbitkan oleh Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Mahasaraswati Denpasar E-ISSN : 2774 - 3020. Jurnal ini sebagai sarana publikasi hasil penelitian Dosen dan mahasiswa S1 dalam meningkatkan mutu ...