IS BEHAVIOR FINANCE AFFECTED BY INCOME, LEARNING FINANCE AND LIFESTYLE?
The purpose of this study is to determine whether there is a relationship between financial behavior based on income, financial literacy and a personal lifestyle. This study uses primary data through a data collection process by distributing questionnaires online (using Google Forms) among the total of 50 respondents. The data analysis technique used here is SPSS, version 25. The results of this study indicate that there is a significant positive effect between financial literacy variables and financial behavior. Meanwhile, income and lifestyle variables seem to have no influence on financial behavior.
Dwinta, I. C. (2010). The influence of locus of control, Financial Knowledge, and income on financial management behavior. Journal of Business and Accounting, 12 (3), 131-144.
Financial Services Authority (2017). Implementation of Activities in Improving Financial Literacy in The Financial Services Sector. Available at: https://www.ojk.go.id/.
Fudyartanta, K. (2012). Personality Psychology. Yogyakarta: Student Library.
Herawati, N. (2015). Contribution of Learning in Higher Education and Financial Literacy on Student Financial Behavior. Journal of Education and Teaching, 48 (1-3).
Hilgert, M. et al. (2003). Household Financial Management : The Connection between Knowledge and Behavior. Federal Reserve Bulletin, 89(7), 309-322.
Huston, S. J. (2010). Measuring financial literacy. The Journal of Consumer Affairs, 44(2), 296-316.
John, G. E. Et al. (2009). Explaining Financial Management Behavior for Koreans Living in the United States. The Journal of Consumer Affairs, 80.
Kholilah, N. A. & Iramani. R. (2013). Study of Financial Management Behavior in Surabaya Society. Journal of Business and Banking, 3(1), 69-80.
Kotler, P. (2002). Marketing Management. PT Prenhallindo, Jakarta.
Kotler, P. & Armstrong, G. (2008). Principles of Marketing. Erlangga, Jakarta.
Luminatang (2013). Income Analysis of Rice Farmers in Teep Village, East Langowan District. Journal of EMBA 991, 1 (3), 991-98.
Mowen, J. C. & Minor, M. (2002). Consumer Behavior. Erlangga: Jakarta.
Nababan, Darman, & Sadalia, I. (2012). Analysis of Personal Financial Literacy and Financial Behavior for Undergraduate Students of the Faculty of Economics. University of Northern Sumatra.
Ningtyas, N. et al. (2019). How is Financial Literacy and Behavior in Millennial Generation? Business Review, 20 (1).
Remund, D. L. (2010). Financial Literacy Explicated: The Case for a Clearer Definition. Increasingly Complex Economy, 44(2), 276–295.
Risman, A., Prowanta, E. & Siswanti, I. (2021). Behavioral Corporate Finance. Yogyakarta. Penerbit KBM Indonesia.
Sari, S. R., Andriani, S. & Kemala Sari, P. R. (2020). The Influence of Financial Literacy and Lifestyle on the Financial Behavior of Female State Civil Apparatus (ASN) in Sumbawa Besar. Indonesian Journal of Economics and Business, 05 (02), 33-37.
Sudherr, V. (2015). Impact of Socioeconomic Factors on Investors' Investment Culture. The International Journal of Business and Management, 3 (7).
Abstract views: 706 PDF Downloads: 470
International College Suan Sunandha
Rajabhat University, Bangkok, Thailand