The Influence of Financial Literacy, Consumptive Lifestyle, And E-Money on Family Financial Management in The Village of Tlogomas Malang City

Aristo Aldi; Elly Lestari; Moch Nurhidayat

Authors

Aristo Aldi Management, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia
Elly Lestari Management, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia
Moch Nurhidayat Management, Faculty of Economics, University of Tribhuwana Tunggadewi, Malang, Indonesia

Keywords:

Financial Literacy, Consumptive Lifestyle, Family Financial Management , E-Money, Influence

Abstract

The aim of this study is to determine the effect of financial literacy, consumptive lifestyle and e-money on family financial management in RW 06, Tlogomas Village, Malang City, both partially and simultaneously. Descriptive research design, type of explanatory research using quantitative methods. The population of this research is a resident (head of the family) in the RW 06 environment of Malang City Tlogomas Village as many as 719, sampling techniques using purposive sampling obtained as many as 88 people. Instrument using a questionnaire. Data analysis uses multiple linear regression analysis. Hypothesis testing using the T (partial) test and F test (simultaneous). The results of multiple linear regression obtained by the three independent variables have a positive regression coefficient value and the coefficient of R Square's coefficient of 0.571 (contribution of the independent variable to the dependent variable of 57.1%). The results of the t (partial) hypothesis testing obtained the three independent variables have a t_count> t_table value significantly <0.05 and the results of the F (simultaneous) hypothesis testing obtained the F_count> F_table value with significantly <0.05. So it was concluded that financial literacy, consumptive lifestyle and e-money had a significant effect on family financial management in RW 06, Tlogomas Village, Malang City, both partially and simultaneously. The family should manage finances by considering the three factors of financial literacy, lifestyle, and e-money in order to achieve more stable and prosperous financial conditions.

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Website

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