Analisis Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Perilaku Keuangan pada Mahasiswa di Kota Batam

Abstract

Financial problems not only disturb people who have families, but also experienced by students. The lack of financial design and hedonic style makes it difficult for students to manage their finances. Therefore, for students, it is very important to have self-control on their income and understand about financial management. The purpose of the study is to understand the influence of financial literacy and lifestyle on financial behavior in students in Batam city. Samples were taken using the slovin formula, which was 267 students, data was collected by distributing questionnaires, and measuring data with Likert scale. In addition, the SPSS program version 26 is used in assisting data processing, namely for namely for data analysis (descriptive statistical tests, classical assumption tests, data quality tests, influence tests and hypothesis tests). His research resulted in "(1) financial literacy has a significant influence on financial behavior as evidenced by significance values of 0.000 < 0.05 and t-value of 6.788 > t-tables valued at 1.97, (2) lifestyle has an insignificant influence on financial behavior as evidenced by significance valued at 0.361 > 0.05 and t-value valued at 0.916 < t-tables valued at 1.97, (3) financial literacy and lifestyle with Simultaneously had a significant influence on his financial behavior which was proven using significance worth 0.000 < 0.05 and F-value which was valued at 32.481 > F-table which was valued at 3.03”.