Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Pengelolaan Keuangan pada Member Gym di PT Kiduanam Zamrud Sejahtera (USB Fitness)

Leo Rafi Pratama; Usran Masahere; Asep Asep

doi:10.61132/maeswara.v3i4.2147

Authors

Leo Rafi Pratama Universitas Bina Sarana Informatika
Usran Masahere Universitas Bina Sarana Informatika
Asep Asep Universitas Bina Sarana Informatika

DOI:

https://doi.org/10.61132/maeswara.v3i4.2147

Keywords:

Financial Literacy, Financial Management, Lifestyle

Abstract

This study investigates the influence of financial literacy and lifestyle on financial management among gym members at USB Fitness. Financial literacy refers to the ability to understand and apply financial concepts, while lifestyle encompasses spending patterns, consumption preferences, and daily habits. Low financial literacy combined with a high-consumption lifestyle can negatively impact personal financial management, potentially leading to poor budgeting, excessive debt, and limited savings.The research adopts a quantitative approach using a survey method, with data collected through structured questionnaires distributed via Google Forms. The population comprises 60 registered gym members, from which a sample of 52 respondents was determined using the Slovin formula with a margin of error of 5%. Data analysis techniques involve both partial (t-test) and simultaneous (F-test) hypothesis testing to assess the effects of the independent variables—financial literacy and lifestyle—on the dependent variable, financial management.The t-test results indicate that financial literacy has a positive and significant effect on financial management (t-count = 6.384 > t-table = 2.00958; p-value = 0.000 < 0.05), suggesting that higher financial literacy levels contribute to more effective personal financial practices. Conversely, lifestyle shows no significant effect on financial management (t-count = -0.013; p-value = 0.990 > 0.05), indicating that lifestyle variations among respondents do not directly determine their financial management capabilities.Simultaneous testing through the F-test reveals that financial literacy and lifestyle together have a significant influence on financial management (F-count = 21.333 > F-table = 3.191; p-value = 0.000 < 0.05). This suggests that while lifestyle alone may not significantly impact financial management, its interaction with financial literacy can influence financial outcomes.The study concludes that improving financial literacy among gym members is essential for enhancing financial management skills, while lifestyle modifications may only be impactful when supported by strong financial knowledge.

Downloads

Download data is not yet available.

References

Agnas, F. R., Akbar, K., & Kusumah, A. (2024). The influence of lifestyle, financial literacy, love of money, and fintech payment on financial management behavior among., 4(2), 134-148. https://doi.org/10.30984/kunuz.v4i2.1262

Florensa, M., Rengga, A., & Pati Sanga, K. (2024). Pengaruh literasi keuangan dan sikap keuangan terhadap perilaku pengelolaan keuangan mahasiswa (Studi empiris pada mahasiswa/i program studi akuntansi Fakultas Ekonomi dan Bisnis Universitas Nusa Nipa). Jurnal Mutiara Ilmu Akuntansi, 2(4), 210-234. https://doi.org/10.55606/jumia.v2i4.3339

Jehamin, F. J. (2024). Pengaruh literasi keuangan dan pendidikan keuangan di keluarga terhadap perilaku manajemen keuangan mahasiswa dengan locus of control sebagai variabel. [Nama Jurnal], 4(1), 47-57. https://doi.org/10.55587/jla.v3i1.48

Lestari, A. I., Simanungkalit, N. A., & Sanjaya, R. (2024). Pengaruh financial technology terhadap manajemen keuangan generasi Z. [Nama Jurnal], 4, 82-89. https://doi.org/10.61132/rimba.v2i4.1331

Norfadila, S., & Damayanti, U. R. (2024). The influence of financial literacy, financial education, socioeconomic status and lifestyle on personal financial management in Generation Z in Pekanbaru City. 1-31.

Nuringtyas, M. R., & Kartini. (2024). The influence of financial literacy and financial technology on student financial behavior in Yogyakarta. Lecture Notes on Data Engineering and Communications Technologies, 193(04), 13-19. https://doi.org/10.1007/978-3-031-53555-0_2

Pahlevi, R. W., & Nashrullah, L. (2021). Pendidikan keuangan keluarga, kesadaran keuangan dan tingkat personal finance. AFRE (Accounting and Financial Review), 3(2), 172-179. https://doi.org/10.26905/afr.v3i2.5840

Pane, N., & Payong, S. L. (2024). Pengaruh literasi keuangan dan gaya hidup mahasiswa terhadap pengelolaan keuangan pribadi di era digital. [Nama Jurnal], 4(1), 1004-1016. https://doi.org/10.55382/jurnalpustakamanajemen.v4i1.737

Rachman, R. A., Yuhertiana, I., & Wilasittha, A. A. (2024). Pengaruh literasi keuangan, gaya hidup, dan financial distress terhadap perilaku keuangan mahasiswa akuntansi UPN Veteran Jawa Timur. Journal of Economic, Business and Accounting (COSTING), 7(4), 8284-8293. https://doi.org/10.31539/costing.v7i4.10585

Rida Prihatni, Y., Baroto, Y., Simbolon, H. O., & Amalia, D. (2024). Analisis literasi keuangan dan inklusi keuangan di Indonesia (N. Mayasari, Ed.). Penerbit Widina.

Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R & D.

Ummu Salamah, Sadiah, A., & Aisyah, L. (2023). Pengaruh literasi keuangan, penggunaan financial technology dan pengelolaan keuangan pribadi terhadap gaya hidup. Jurnal Sains Student Research, 1(1), 104-116.

Winda Puspa Sari, & Nikmah. (2023). Pengaruh literasi keuangan, financial technology, pendidikan keuangan di keluarga dan pengendalian diri terhadap perilaku keuangan. JIMEA, 7(3), 1592-1608. https://doi.org/10.31955/mea.v7i3.3589

Wiranti, Y., Goso, G., & Halim, M. (2023). The influence of financial literacy, lifestyle, and social environment on student financial behavior. Scientific Journal of Reflection: Economic, Accounting, Management and Business, 6(4), 898-909. https://doi.org/10.37481/sjr.v6i4.751

Yuliani, R., & Fahamsyah, M. H. (2024). Financial management of workers in Bekasi District: Analisis pengaruh literasi keuangan, pendapatan, dan gaya hidup terhadap., 5(2), 7925-7936.