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Scholars Journal of Economics, Business and Management | Volume-10 | Issue-07
The Effect of Financial Literacy, Lifestyle, and Self Control on Women's Financial Management Behavior in Denpasar City
Ni Wayan Ariyastini, Ica Rika Candraningrat
Published: Aug. 2, 2023 | 149 182
DOI: 10.36347/sjebm.2023.v10i07.001
Pages: 144-155
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Abstract
1. Women have an important role in financial management in a family. The tendency of women to take a role in managing finances is an important urgency for conducting studies on women's financial management behavior. Financial management behavior is important in determining a person's financial condition. Women in Denpasar City tend to behave consumptively through online shopping with a role as financial managers making financial literacy, lifestyle, and self-control a determining factor in women's financial management behavior in Denpasar City. This study aims to determine the effect of financial literacy, lifestyle, and self-control on women's financial management behavior in Denpasar City. The population in this study are women aged 25-50 years who are already working in Denpasar City in 2022, namely 424,200 thousand people. The sample used in this study was 100 people obtained using the Slovin formula. Data collection using a questionnaire. The data analysis technique used is multiple linear regression analysis. The results of the study show that financial literacy, lifestyle, and self-control have a positive and significant effect on women's financial management behavior in Denpasar City. These results indicate that the better the level of financial literacy with a high lifestyle and high self-control tends to make women show more optimal financial management behavior.