Pengaruh Literasi Keuangan, Gaya Hidup dan Pendapatan Terhadap Pengelolaan Keuangan Keluarga Dengan Kontrol Diri Sebagai Variabel Moderasi pada Guru SMPN di Kecamatan Tewah

Jelly Beatrika
Usup Riassy Christa
Agustina Muliyani
Rita Sarlawa

Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Vol. 6 No. 1 (2026): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis

This study analyzes the influence of financial literacy, lifestyle, and income on family financial management with self-control as a moderating variable among public junior high school teachers in Tewah District. A quantitative method was employed by collecting data through questionnaire distribution and analyzing it using SmartPLS 4.0. The results show that financial literacy, lifestyle, and income have a positive and significant effect on family financial management, and self-control moderates the effect of financial literacy, but does not moderate the effects of lifestyle and income. This conclusion highlights the importance of improving financial literacy and strengthening self-control to promote more effective and sustainable household financial management.