Published: 2026-04-01
Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Perilaku Pengelolaan Keuangan (Studi Kasus Pada Pegawai Perumda Tirta Mangkaluku Kota Palopo)
DOI: 10.35870/jemsi.v12i2.5912
Abstract
This study aims to evaluate the influence of financial literacy and lifestyle on the financial management behavior of employees at Perumda Tirta Mangkaluku Kota Palopo. Using a quantitative approach through surveys, data were collected randomly from employees using a questionnaire covering the three variables. The results of multiple regression analysis indicate that both financial literacy and lifestyle have a significant and positive effect on financial management behavior. These findings highlight the importance of improving financial literacy and promoting a positive lifestyle among employees, which contributes not only to their personal financial well-being but also to overall company performance. Based on these results, it is recommended that Perumda Tirta Mangkaluku Kota Palopo develop more relevant and effective financial education programs and foster a work environment that supports healthy living and prudent financial management.
Keywords
Financial Literacy; Lifestyle; Financial Management Behavior
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
-
Issue: Vol. 12 No. 2 (2026)
-
Section: Articles
-
Published: 2026-04-01
-
License: CC BY 4.0
-
Copyright: © 2026 Authors
-
DOI: 10.35870/jemsi.v12i2.5912
AI Research Hub
This article is indexed and available through various AI-powered research tools and citation platforms. Our AI Research Hub ensures that scholarly work is discoverable, accessible, and easily integrated into the global research ecosystem.
Amanda Amanda, Universitas Muhammadiyah Palopo
Universitas Muhammadiyah Palopo, Fakultas Ekonomi dan Bisnis, Jl. Jend. Sudirman No. Km. 03 Binturu, Kec. Wara Selatan. Kota Palopo, Indonesia.
Samsul Bachri, Universitas Muhammadiyah Palopo
Universitas Muhammadiyah Palopo, Fakultas Ekonomi dan Bisnis, Jl. Jend. Sudirman No. Km. 03 Binturu, Kec. Wara Selatan. Kota Palopo, Indonesia.
Altri Wahida, Universitas Muhammadiyah Palopo
Universitas Muhammadiyah Palopo, Fakultas Ekonomi dan Bisnis, Jl. Jend. Sudirman No. Km. 03 Binturu, Kec. Wara Selatan. Kota Palopo, Indonesia.
-
Anggraini, P. S., & Cholid, I. (2022). 2322-Article Text-6497-1-10-20220403. 3(2), 178–187.
-
Busyro, W. (2019). Pengaruh literasi keuangan terhadap perilaku pengelolaan keuangan mahasiswa (Studi kasus pada mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Riau). Jurnal ISLAMIKA, 2(1), 34–37.
-
Darma, & Japarianto, E. (2014). Analisa pengaruh hedonic shopping value terhadap impulse buying dengan shopping lifestyle dan positive emotion sebagai variabel intervening pada mall Ciputra World Surabaya. 8(2), 80–89. https://doi.org/10.9744/pemasaran.8.2.80-89.
-
Fitriani, D. (2021). Pengaruh gaya hidup dan literasi keuangan terhadap perilaku konsumtif belanja online pada generasi milenial di Kabupaten …. Jurnal Riset Sains Manajemen, 2(3), 103–110. https://doi.org/10.5281/zenodo.1410873.
-
Gunawan, A., Pirari, W. S., & Sari, M. (2020). Pengaruh literasi keuangan dan gaya hidup terhadap pengelolaan keuangan mahasiswa Prodi Manajemen Universitas Muhammadiyah Sumatera Utara. Jurnal Humaniora: Jurnal Ilmu Sosial, Ekonomi dan Hukum, 4(2), 23–35. https://doi.org/10.30601/humaniora.v4i2.1196.
-
Herdjiono, I., & Damanik, L. A. (2016). Pengaruh financial attitude, financial knowledge, parental income terhadap financial management behavior. Jurnal Manajemen Teori dan Terapan| Journal of Theory and Applied Management, 9(3), 226–241. https://doi.org/10.20473/jmtt.v9i3.3077.
-
Ilham, M., Bachri, S., & Patra, A. D. A. (2016). The influence of the level of financial literacy on the financial management of micro, small and medium enterprises (MSMEs): Case study of Baebunta Village, Baebunta District (Tourist Village). 1(1), 1496–1504.
-
Krishna, A. S. S., Sari, M., & Rofaida, R. (2010). Analisis tingkat literasi keuangan di kalangan mahasiswa dan faktor-faktor yang mempengaruhinya. Survey pada Mahasiswa Universitas Pendidikan Indonesia. Academia.edu, November, 1–6.
-
Laily, N. (2016). Pengaruh literasi keuangan terhadap perilaku mahasiswa dalam mengelola keuangan. Journal of Accounting and Business Education, 1(4). https://doi.org/10.26675/jabe.v1i4.6042.
-
Muntahanah, S., Cahyo, H., Setiawan, H., & Rahmah, S. (2021). Literasi keuangan, pendapatan dan gaya hidup terhadap pengelolaan keuangan di masa pandemi. Jurnal Ilmiah Universitas Batanghari Jambi, 21(3), 1245. https://doi.org/10.33087/jiubj.v21i3.1647.
-
Napitupulu, J. H., Ellyawati, N., & Astuti, R. F. (2021). Pengaruh literasi keuangan dan sikap keuangan terhadap perilaku pengelolaan keuangan mahasiswa Kota Samarinda. Jurnal Pendidikan Ekonomi (JUPE), 9(3), 138–144. https://doi.org/10.26740/jupe.v9n3.p138-144.
-
Ni Luh, P. K. D., Agus, W. S. G., & Ni Putu, Y. A. (2021). Pengaruh literasi keuangan, gaya hidup hedonisme, dan pendapatan terhadap pengelolaan keuangan mahasiswa UNMAS. Jurnal Emas, 2, 74–85.
-
Nidar, S. R., & Bestari, S. (2012). Personal financial literacy among university students and analyze factors that influence it (Case study at Padjadjaran University Students Bandung Indonesia). World Journal of Social Sciences, 2(4), 162–171.
-
Posi, S. H. (2024). Pengaruh literasi keuangan dan gaya hidup terhadap perilaku pengelolaan keuangan. 7(2), 1–9.
-
Pradiningtyas, T. E., & Lukiastuti, F. (2019). Pengaruh pengetahuan keuangan dan sikap keuangan terhadap locus of control dan perilaku pengelolaan keuangan mahasiswa ekonomi. Jurnal Minds: Manajemen Ide dan Inspirasi, 6(1), 96. https://doi.org/10.24252/minds.v6i1.9274.
-
Priadana, S., & Sunarsi, D. (2021). Metode penelitian kuantitatif. In Pascal Books.
-
Pulungan, D. R., & Febriaty, H. (2018). Pengaruh gaya hidup dan literasi keuangan terhadap perilaku konsumtif belanja online pada generasi milenial di Kabupaten …. Jurnal Riset Sains Manajemen, 2(3), 103–110. https://doi.org/10.5281/zenodo.1410873.
-
Rozaini, N., & Purwita, S. (2021). Gaya hidup dan hasil belajar manajemen keuangan terhadap perilaku pengelolaan keuangan mahasiswa. Niagawan, 10(2), 198. https://doi.org/10.24114/niaga.v10i2.25540.
-
Rumbianingrum, W., & Wijayangka, C. (2018). Pengaruh literasi keuangan terhadap pengelolaan keuangan UMKM. Jurnal Manajemen dan Bisnis (Almana), 2(3), 155.
-
Said, S., & Amiruddin, A. M. A. (2017). Literasi keuangan syariah di perguruan tinggi keagamaan Islam (Studi kasus UIN Alauddin Makasar). Al-Ulum, 17(1), 44–64. https://doi.org/10.9744/jmk.17.1.76.
-
Sari, M. M., Nengsih, T. A., & Syahrizal, A. (2023). Pengaruh literasi keuangan dan gaya hidup terhadap perilaku konsumtif mahasiswa manajemen keuangan syariah angkatan 2018-2019. Journal of Creative Student Research (JCSR), 1(2), 137–151.
-
Sugiharti, H., & Maula, K. A. (2019). Pengaruh literasi keuangan terhadap perilaku pengelolaan keuangan mahasiswa. Accounthink: Journal of Accounting and Finance, 4(2), 804–818. https://doi.org/10.35706/acc.v4i2.2208.
-
Sulung, U., & Muspawi, M. (2024). Memahami sumber data penelitian: primer, sekunder, dan tersier. Jurnal Edu Research: Indonesian Institute for Corporate Learning and Studies (IICLS), 2(3), 28–33.
-
Titik Ulfatun, U. (2016). Analisis tingkat literasi keuangan mahasiswa Fakultas Ekonomi Universitas Negeri Yogyakarta tahun angkatan 2012-2014. Pelita, XI(2), 1–13.
-
Volpe, C., & R. P. (1998). An analysis of personal financial literacy among college students. Zhongguo Jiguang/Chinese Journal of Lasers, 43(8), 107–128. https://doi.org/10.3788/CJL201643.0811001.
-
Wahida, A., & Madrianah, M. (2023). Pengaruh literasi ekonomi dan penggunaan media sosial Instagram terhadap minat berwirausaha. AkMen JURNAL ILMIAH, 20(1), 84–93. https://doi.org/10.37476/akmen.v20i1.3757.
-
Youla Diknasita Gahagho, Tri Oldy Rotinsulu, & Dennij Mandeij. (2021). Pengaruh literasi keuangan sikap keuangan dan sumber pendapatan terhadap perilaku pengelolaan keuangan mahasiswa Fakultas Ekonomi dan Bisnis Unsrat dengan niat sebagai variabel intervening. Jurnal EMBA, 9(1), 543–555.
-
Yuniarti Reny Renggo, S.Kom., M. S. (2022). Metode penelitian kuantitatif, kualitatif, dan kombinasi. In Media Sains Indonesia.
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Copyright Retention and Open Access License
Authors retain copyright of their work and grant the journal non-exclusive right of first publication under the Creative Commons Attribution 4.0 International License (CC BY 4.0).
This license allows unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
2. Rights Granted Under CC BY 4.0
Under this license, readers are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material for any purpose, including commercial use
- No additional restrictions — the licensor cannot revoke these freedoms as long as license terms are followed
3. Attribution Requirements
All uses must include:
- Proper citation of the original work
- Link to the Creative Commons license
- Indication if changes were made to the original work
- No suggestion that the licensor endorses the user or their use
4. Additional Distribution Rights
Authors may:
- Deposit the published version in institutional repositories
- Share through academic social networks
- Include in books, monographs, or other publications
- Post on personal or institutional websites
Requirement: All additional distributions must maintain the CC BY 4.0 license and proper attribution.
5. Self-Archiving and Pre-Print Sharing
Authors are encouraged to:
- Share pre-prints and post-prints online
- Deposit in subject-specific repositories (e.g., arXiv, bioRxiv)
- Engage in scholarly communication throughout the publication process
6. Open Access Commitment
This journal provides immediate open access to all content, supporting the global exchange of knowledge without financial, legal, or technical barriers.