Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2023)

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Effect of Lifestyle and Finansial Literacy on Financial Behavior of Individuals with Level of Education as Moderating Variabels

Study on Productive Age Communities in Trenggalek Regency

Authors
Lina Hanifatul Azizah1, Achmad Murdiono1, *
1State University of Malang, Malang, Indonesia
*Corresponding author. Email: achmad.murdiono.fe@um.ac.id
Corresponding Author
Achmad Murdiono
Available Online 30 November 2023.
DOI
10.2991/978-94-6463-302-3_12How to use a DOI?
Keywords
Lifestyle; Financial Literacy; Financial behavior. Level of education
ABSTRACT

Financial ability will be greatly influenced by a person’s financial behavior. In theory, whether or not a person’s financial health can be measured by how individuals can behave towards their finances. The factors that influence a person’s financial behavior are lifestyle and financial literacy. The purpose of this study is to find out how the people of Trenggalek Regency who have a high level of consumptive behavior towards their finances. This study used 400 samples selected from the 762,345 population of the people of Trenggalek Regency by using a purposive sampling technique. The data used in this study were primary data taken from filling out questionnaires by people of productive age in Trenggalek Regency. The results of the SmartPLS analysis show that lifestyle and financial literacy influence financial behavior . The level of education as a moderating variable can strengthen the effect of lifestyle and financial literacy on the financial behavior of individuals of productive age in Trenggalek Regency.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2023)
Series
Advances in Economics, Business and Management Research
Publication Date
30 November 2023
ISBN
10.2991/978-94-6463-302-3_12
ISSN
2352-5428
DOI
10.2991/978-94-6463-302-3_12How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Lina Hanifatul Azizah
AU  - Achmad Murdiono
PY  - 2023
DA  - 2023/11/30
TI  - Effect of Lifestyle and Finansial Literacy on Financial Behavior of Individuals with Level of Education as Moderating Variabels
BT  - Proceedings of the BISTIC Business Innovation Sustainability and Technology International Conference (BISTIC 2023)
PB  - Atlantis Press
SP  - 87
EP  - 92
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-302-3_12
DO  - 10.2991/978-94-6463-302-3_12
ID  - Azizah2023
ER  -