Pengaruh Literasi Keuangan, Perilaku Hedonisme, Dan Tingkat Pendidikan Terhadap Pengelolaan Keuangan Pribadi (Studi Kasus Perusahaan Tekstil di Kota Bandung)
DOI:
https://doi.org/10.47747/jbme.v7i2.3608Keywords:
Financial Literacy, Hedonic Behavior, Education Level, Personal Financial Management, Textile Industry Employees, Bandung CityAbstract
This study is designed to empirically examine how financial literacy, hedonistic behavioral tendencies, and formal educational background contribute to the quality of personal financial management, particularly among textile industry workers in Bandung City. The research adopts a quantitative-descriptive design using a questionnaire-based survey instrument distributed to 150 respondents selected through purposive sampling. Measurement instruments were constructed using a Likert scale (1-5) format and analyzed via multiple linear regression. Core findings reveal that: (1) financial literacy competency exerts a positive and statistically significant impact on personal financial management (β = 0.412; p < 0.01); (2) hedonistic lifestyle orientation significantly diminishes financial management capacity (β = −0.284; p < 0.01); (3) formal education level makes a positive and significant contribution (β = 0.198; p < 0.01); and (4) all three predictor variables jointly account for 53.4% of the variance in personal financial management (R² = 0.534). The implications of this study underscore the critical importance of strengthening systematic, industry context-based financial education programs.
References
Asosiasi Pertekstilan Indonesia. (2023). Direktori industri tekstil Jawa Barat 2023. API Jawa Barat. https://www.bpnapi.org/
Atkinson, A., & Messy, F.-A. (2012). Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study (OECD Working Papers on Finance, Insurance and Private Pensions No. 15). OECD Publishing. https://doi.org/10.1787/5k9csfs90fr4-en
Badan Pusat Statistik Kota Bandung. (2023). Kota Bandung dalam angka 2023. https://bandungkota.bps.go.id/
Bank Indonesia. (2023). Laporan perekonomian Indonesia 2023. https://www.bi.go.id/id/publikasi/laporan/Pages/LPI_2023.aspx
Becker, G. S. (1964). Human capital: A theoretical and empirical analysis, with special reference to education. University of Chicago Press. https://press.uchicago.edu/ucp/books/book/chicago/H/bo3684031.html
Bourdieu, P. (1984). Distinction: A social critique of the judgement of taste. Harvard University Press. https://www.hup.harvard.edu/books/9780674212770
BPJS Ketenagakerjaan. (2023). Laporan tahunan terintegrasi 2023. https://www.bpjsketenagakerjaan.go.id/laporan-tahunan.html
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1016/S1057-0810(99)80006-7
Darmawan, A., & Pamungkas, A. S. (2023). Pengaruh perilaku hedonisme dan kontrol diri terhadap pengelolaan keuangan karyawan generasi Z. Jurnal Manajemen dan Bisnis Sriwijaya, 21(1), 45–62. https://doi.org/10.29259/jmbs.v21i1.18432
Dayona, G., Rachmawati, D., & Sofiati, N. A. (2021). Analisis komitmen organisasi dan disiplin terhadap motivasi serta implikasinya pada kinerja pegawai Bank BJB Kantor Wilayah 1. Jurnal Indonesia Membangun, 20(3), 1–15. https://doi.org/10.56956/jim.v20i03.459
Garman, E. T., & Forgue, R. E. (2021). Personal finance (14th ed.). Cengage. https://www.cengage.com/c/personal-finance-14e-garman/
Hasibuan, S., Lubis, A. F., & Nasution, M. I. (2022). Financial literacy and personal financial management: Evidence from Indonesian workers. Jurnal Keuangan dan Perbankan, 26(2), 312–328. https://doi.org/10.26905/jkdp.v26i2.7231
Hidayat, E. S., Dayona, G., & Sofiati, N. A. (2021). Analisis gaya kepemimpinan dan kompensasi terhadap motivasi karyawan dan implikasinya terhadap kepuasan kerja. Jurnal Indonesia Membangun, 20(3), 1–18. https://doi.org/10.56956/jim.v20i03.461
Hidayati, N., Suhendra, I., & Waluyo, B. (2022). Perilaku konsumsi hedonistik dan implikasinya terhadap kesehatan keuangan pekerja muda industri manufaktur Jawa Barat. Jurnal Economia, 18(1), 88–104. https://doi.org/10.21831/economia.v18i1.48021
Hung, A. A., Parker, A. M., & Yoong, J. K. (2009). Defining and measuring financial literacy (RAND Working Paper WR-708). RAND Corporation. https://doi.org/10.2139/ssrn.1498674
Ida, & Dwinta, C. Y. (2010). Pengaruh locus of control, financial knowledge, income terhadap financial management behavior. Jurnal Bisnis dan Akuntansi, 12(3), 131–144. https://jurnaltsm.id/index.php/JBA/article/view/202
Kahneman, D. (2011). Thinking, fast and slow. Farrar, Straus and Giroux. https://us.macmillan.com/books/9780374533557/thinkingfastandslow/
Khovivah, A. N., & Muniroh, H. (2023). Pengaruh literasi keuangan, sikap keuangan dan tingkat pendidikan terhadap perilaku manajemen keuangan pada pelaku UMKM di Kecamatan Rembang. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 9(1), 58–64. https://doi.org/10.35870/jemsi.v9i1.1041
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
Margaretha, F., & Pambudhi, R. A. (2015). Tingkat literasi keuangan pada mahasiswa S-1 Fakultas Ekonomi Universitas Trisakti. Jurnal Manajemen dan Kewirausahaan, 17(1), 76–85. https://doi.org/10.9744/jmk.17.1.76-85
Modigliani, F., & Brumberg, R. (1954). Utility analysis and the consumption function: An interpretation of cross-section data. In K. K. Kurihara (Ed.), Post-Keynesian economics (pp. 388–436). Rutgers University Press. https://www.nber.org/books-and-chapters/post-keynesian-economics/utility-analysis-and-consumption-function-interpretation-cross-section-data
Mowen, J. C., & Minor, M. (2002). Perilaku konsumen (L. Salim, Trans.; 5th ed., Vol. 1). Erlangga. https://www.erlangga.co.id/
Nababan, D., & Sadalia, I. (2013). Analisis personal financial literacy dan financial behavior mahasiswa strata I Fakultas Ekonomi Universitas Sumatera Utara. Media Informasi Manajemen, 1(1), 1–16. https://jurnal.usu.ac.id/index.php/jmim/article/view/651
Otoritas Jasa Keuangan. (2022). Survei nasional literasi dan inklusi keuangan tahun 2022. https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx
Prelec, D., & Simester, D. (2001). Always leave home without it: A further investigation of the credit-card effect on willingness to pay. Marketing Letters, 12(1), 5–12. https://doi.org/10.1023/A:1008196717017
Putri, A. S., & Ridwan. (2024). Pengaruh literasi keuangan, sikap keuangan dan pengalaman keuangan terhadap perilaku manajemen keuangan usaha mikro di Kecamatan Bandung Kulon. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 10(3), 1861–1871. https://doi.org/10.35870/jemsi.v10i3.2466
Rahardi, S., Karamang, E., & Mubarak, D. A. A. (2024). Pengaruh harga, lokasi, kualitas pelayanan terhadap kepuasan mahasiswa (Studi pada Universitas Indonesia Membangun). JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 10(1), 552–561. https://doi.org/10.35870/jemsi.v10i1.1976
Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x
Thaler, R. H. (1985). Mental accounting and consumer choice. Marketing Science, 4(3), 199–214. https://doi.org/10.1287/mksc.4.3.199
Thaler, R. H., & Sunstein, C. R. (2021). Nudge: The final edition. Yale University Press. https://yalebooks.yale.edu/book/9780300262285/nudge/
World Bank. (2022). The Global Findex Database 2021: Financial inclusion, digital payments, and resilience in the age of COVID-19. https://doi.org/10.1596/978-1-4648-1897-4
Xiao, J. J., & O’Neill, B. (2016). Consumer financial education and financial capability. International Journal of Consumer Studies, 40(6), 712–721. https://doi.org/10.1111/ijcs.12285
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Ayub Girson Batee, Diah Febriyanti, Salza Adzri Arismutia
This work is licensed under a Creative Commons Attribution 4.0 International License.
Copyright for this article is retained by the author(s), with first publication rights granted to the journal.
This is an open-access article distributed under the terms and conditions of the Creative Commons Attribution license (http://creativecommons.org/licenses/by/4.0/)
![http://creativecommons.org/licenses/by/4.0/](https://journal.jis-institute.org/index.php/jbme/management/settings/<a rel="license" href="http:/creativecommons.org/licenses/by/4.0/"><img alt="Creative Commons License" style="border-width:0" src="https:/i.creativecommons.org/l/by/4.0/88x31.png" /></a><br />This work is licensed under a <a rel="license" href="http:/creativecommons.org/licenses/by/4.0/">Creative Commons Attribution 4.0 International License</a>.){kind=link}