ALFANI, Burhanudin (2025) The Influence of Financial Literacy, Financial Self-Efficacy, and Hedonism Lifestyle Towards Financial Management Behavior (Study at Female Employee at The Human Resource Development Agency (BPSDM) Ministry of Villages, Development of Disadvantaged Regions, and Transmigration (KEMENTRIAN DESA PDTT)). Skripsi thesis, universitas jendral soedirman.

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Abstract

This study discusses the Influence of Financial Literacy, Financial Self-Efficacy, and Hedonism Lifestyle on Financial Management Behavior, which focuses on female employees at the Human Resources Development Agency (BPSDM) of the Ministry of Villages, Development of Disadvantaged Regions and Transmigration (KDPDTT). This study aims to analyze the influence of financial literacy, self-confidence in financial management (financial self-efficacy), and hedonism lifestyle on employee financial management behaviour. The background of this study is the importance of sound financial management, especially for women who have work, family, and social responsibilities, as well as the influence of a consumptive lifestyle that can harm personal finances. This study uses a quantitative approach with a questionnaire method, and the data is analyzed using the PLS-SEM model to see the relationship between variables. The results of this study are expected to show that financial literacy and self-efficacy positively affect financial management behaviour. Conversely, a hedonism lifestyle has a negative impact. This study contributes to developing financial literacy theory and provides practical impacts on improving personal financial management among female employees, especially in the government environment. Based on the results of research and data analysis using PLS-SEM, shows that financial literacy and financial self-fiction have a positive effect on financial management behaviour, while a hedonistic lifestyle does not affect financial management behaviour.

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