International Journal of Management, Business and Social Sciences
Vol. 5 No. 1 (2026): Mei

The Role of Financial Literacy, Self-Control, and Income in Influencing the Financial Management Behavior of Homemakers in the Village of Trayu

Rizka Lutfiyana Dewi (Universitas Wahid Hasyim)
Saiful Bahri (Universitas Wahid Hasyim)



Article Info

Publish Date
30 May 2026

Abstract

Good financial management behavior is important in maintaining household economic stability, especially for housewives who play a major role in managing family finances. This study aims to analyze the influence of financial literacy, self-control, and income on the financial management behavior of housewives in Trayu Village. The population in this study consisted of 330 housewives in Trayu Village. The method used is a quantitative approach with a survey technique through the distribution of a Likert scale-based questionnaire to 76 housewife respondents selected using simple random sampling. The results of the study indicate that financial literacy, self-control, and income have a positive and significant effect on financial management behavior. These findings highlight the importance of financial literacy, strengthening self-control, and adequate income in forming healthy and planned financial habits. This study is expected to serve as a basis for designing economic empowerment programs for housewives, especially in rural areas.

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Journal Info

Abbrev

IJMBS

Publisher

Subject

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

Description

International Journal of Management, Business and Social Sciences (IJMBS) is a biannually (May and November) peer reviewed journal published by Management study program of Wahid Hasyim University Indonesia that aims to promote Management, Business and Social Sciences researchs and developments, and ...