PENGARUH LITERASI KEUANGAN DAN GAYA HIDUP TERHADAP PERILAKU KEUANGAN SISWA SISWI SMA 1 ANGGANA

Abstract

ABSTRACT

This research aims to determine and analyze (1) the influence of financial literacy of female students at SMA 1 Anggana, (2) the influence of the lifestyle of female students at SMA 1 Anggana, (3) the influence of financial literacy and lifestyle on the financial behavior of female students at SMA 1 Anggana. The theoretical basis for this research includes financial literacy and lifestyle on financial behavior.

The research used involved data analysis from a sample of students at SMA N 1 Anggana. Data collected through a questionnaire from 90 respondents covered aspects of financial literacy and student lifestyle which were then analyzed to test the extent to which these two variables influenced their financial behavior. The use of quantitative methods with multiple regression techniques allows this research to obtain more objective results in identifying the relationship between independent and dependent variables in the context of student finance.

From the results of data analysis in this research, it can be concluded that (1) The financial literacy variable has a significant effect on financial behavior in Anggana 1 High School students, with a value of 8.021 which is greater than the t table of 1.986. Then a significance value of 0.021 is obtained, where this value is greater. smaller than 0.05, (2) the lifestyle variable obtains a tcount value of 4,009 which is greater than the tube of 1.986. Then a significance value of 1.986 is obtained. 0.033 where this value is smaller than 0.05.