<![CDATA[This study is motivated by the importance of personal financial management amid the rapid development of digital technology, increasing access to social media, and changes in people's lifestyles that may influence individual financial behavior. Limited financial management capability has the potential to create an imbalance between income and expenditure, particularly among the productive-age population. This study aims to examine the effect of financial literacy, lifestyle, and consumptive behavior on the personal financial management of residents in Wangkal Hamlet, Mekikis Village, Purwoasri District, Kediri Regency, both partially and simultaneously. This research employed a quantitative approach using an associative research design. The population consisted of productive-age residents of Wangkal Hamlet, with a sample of 90 respondents selected through a simple random sampling technique. Data were collected using questionnaires and analyzed using multiple linear regression with the assistance of SPSS software. The data analysis included validity testing, reliability testing, classical assumption tests, partial hypothesis testing (t-test), simultaneous hypothesis testing (F-test), and the coefficient of determination (R²). The results indicate that, partially, financial literacy has a positive and significant effect on personal financial management. In contrast, lifestyle and consumptive behavior do not have a significant effect on personal financial management. Simultaneously, financial literacy, lifestyle, and consumptive behavior have a significant effect on personal financial management. These findings suggest that improving financial literacy is a key factor in promoting more effective, well-planned, and responsible personal financial management among the productive-age population.]]>
Copyrights © 2026
