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Jurnal Manajemen
Published by Universitas Negeri Makassar
ISSN : 27238059     EISSN : 28295412     DOI : http://dx.doi.org/10.26858/jm
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Jurnal Manajemen is a media or means of communication and scientific publication from the result of management science thought and research carried out by lecturers, researchers and related research institutions. Jurnal Manajemen are published twice a year (February and August) through Open Journal System (OJS)
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 121 Documents
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THE INFLUENCE OF LIFESTYLE AND FINANCIAL ATTITUDE ON FINANCIAL MANAGEMENT WITH FINANCIAL LITERACY AS A MODERATING VARIABLE A. Nur Habibie Jannah; Tenri Sayu Puspitaningsih Dipoatmodjo; Andi Mustika Amin; Anwar Anwar; Annisa Paramaswary Aslam
Jurnal Manajemen Vol 6, No 2 (2026): August
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/jm.v6i2.84780

Abstract

Abstract: By using “financial literacy” as a moderator variable, this study aims to investigate the influence of lifestyle and financial attitudes on financial management among students of the 2023-2024 intake of the Management Study Program, Makassar State University. Using a survey methodology, this study adopted a quantitative approach. Through a purposive sampling technique, 250 respondents were selected to participate in the survey. Partial Least Squares - Structural Equation Modeling (PLS-SEM) using SmartPLS 3 was used to evaluate the data obtained from the questionnaire. The research findings indicate that: (1) a person's lifestyle has a significant negative impact on financial management (β = -0.419; p = 0.000); (2) a person's financial attitude has a positive impact on financial management (β = 0.387; p = 0.000); (3) a person's financial literacy has a positive impact on financial management (β = 0.429; p = 0.000); however, (4) a person's financial literacy does not significantly mitigate the impact of a person's lifestyle or financial attitude on financial management. With an R² score of 0.895, the predictive ability of this model is quite high.”Keywords: Lifestyle, Financial Attitude, Financial Literacy, Financial Management

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