Pengaruh Tingkat Pendapatan, Financial Literacy dan Financial Technology terhadap Perilaku Pengelolaan Keuangan Pribadi

Peter Peter; Martalena Martalena; Dini Iskandar; Fransisca Carolina

doi:10.30640/jmcbus.v4i3.6838

Authors

Peter Peter Universitas Kristen Maranatha
Martalena Martalena Universitas Kristen Maranatha
Dini Iskandar Universitas Kristen Maranatha
Fransisca Carolina Universitas Kristen Maranatha

DOI:

https://doi.org/10.30640/jmcbus.v4i3.6838

Keywords:

Financial Literacy, Financial Technology, Financial Well-Being, Income Level, Personal Financial Management Behavior

Abstract

Financial management is an important aspect in achieving financial well-being, which refers to an individual's ability to plan, manage, allocate, and control expenses and income wisely. However, in reality, many individuals still experience difficulties in managing their finances optimally, even though their income levels are relatively adequate. The aim of this study is to analyze the effect of income level, financial literacy, and financial technology on personal financial management among teachers in Bandar Lampung City and Metro City. The research data consisted of questionnaires distributed to 93 teachers within the productive age range of 24-60 years, collected through community service activities related to financial literacy. The sampling technique used was random sampling, and the data analysis employed multiple linear regression. The research results show that income level and financial literacy have a significant, while financial technology has a negative effect on personal financial management behavior. This study can serve as a reference for individuals to be more proactive in enhancing their financial knowledge through educational programs that can be designed by educational institutions, as well as to use financial technology wisely to promote effective and sustainable personal financial management.

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