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Effect of Lifestyle and Finansial Literacy on Financial Behavior of Individuals with Level of Education as Moderating Variabels

In: Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2023)

Author

Listed:
  • Lina Hanifatul Azizah

    (State University of Malang)

  • Achmad Murdiono

    (State University of Malang)

Abstract

ABSTRACT Financial ability will be greatly influenced by a person’s financial behavior. In theory, whether or not a person’s financial health can be measured by how individuals can behave towards their finances. The factors that influence a person’s financial behavior are lifestyle and financial literacy. The purpose of this study is to find out how the people of Trenggalek Regency who have a high level of consumptive behavior towards their finances. This study used 400 samples selected from the 762,345 population of the people of Trenggalek Regency by using a purposive sampling technique. The data used in this study were primary data taken from filling out questionnaires by people of productive age in Trenggalek Regency. The results of the SmartPLS analysis show that lifestyle and financial literacy influence financial behavior . The level of education as a moderating variable can strengthen the effect of lifestyle and financial literacy on the financial behavior of individuals of productive age in Trenggalek Regency.

Suggested Citation

  • Lina Hanifatul Azizah & Achmad Murdiono, 2023. "Effect of Lifestyle and Finansial Literacy on Financial Behavior of Individuals with Level of Education as Moderating Variabels," Advances in Economics, Business and Management Research, in: Ika Zutiasari & Dediek Tri Kurniawan (ed.), Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2023), pages 87-92, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-302-3_12
    DOI: 10.2991/978-94-6463-302-3_12
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