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The Effect of Financial Literacy and Lifestyle on Financial Behavior through Income in Employees of Penthouse 19th Medan

Year: 2025

Type: article

Abstract: This study aims to analyze the influence of financial literacy and lifestyle on financial behavior through income intervening variables in Penthouse 19 year old employees. The location of this research was carried out at the Penthouse 19th Medan Restaurant. This type of research is a descriptive research with a quantitative approach, with the SmartPLS analysis method assisted by SmartPLS Software 4.1.0.4. The sample of this study was 60 respondents who were employees of Penthouse 19th. The results of this study showed that Financial Literacy (X1) did not have a significant positive effect on Financial Behavior (Y), Financial Literacy (X1) did not have a significant positive effect on Income (Z), Lifestyle (X2) had a significant positive influence on Financial Behavior (Y), Lifestyle (X2) did not have a significant positive effect on Income (Z), Income (Z) did not have a significant positive effect on Financial Behavior (Y), Financial Literacy does not have a significant positive effect on Financial Behavior through Income, Lifestyle does not have a significant positive effect on Financial Behavior through Income.

Source: Jurnal Ekonomi Manajemen Akuntansi dan Keuangan

DOI: 10.53697/emak.v6i2.2301

Authors: Nurianna Sihombing, Maya Macia Sari

Institution: Universitas Pembangunan Panca Budi Medan

Language: English

Topic: Financial Literacy and Behavior

Subfield: Accounting

Field: Business, Management and Accounting

Domain: Social Sciences

SDGs: Decent work and economic growth, No poverty

Open Access status: diamond

OpenAlex ID: W4407927294

FWCI:

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