The Influence of Lifestyle and Saving Habits on Students' Personal Financial Management in Bengkulu

Dwi Nova Adjie; Annisa Rahma  Putri

doi:10.62820/trt.v9i1.202

Penulis

Dwi Nova Adjie Universitas Dehasen Bengkulu
Annisa Rahma Putri Universitas Dehasen Bengkulu

DOI:

https://doi.org/10.62820/trt.v9i1.202

Kata Kunci:

Lifestyle, Saving Habits, Personal Financial Management, Students, Bengkulu

Abstrak

This study aims to analyze the influence of lifestyle and saving habits on the personal financial management of university students in Bengkulu City. A consumptive lifestyle may affect students' spending patterns, while saving habits can encourage more planned and responsible financial behavior. This research employed a quantitative method with an explanatory research approach. The population consisted of active students from the Faculty of Economics and Business at Dehasen University Bengkulu, Bengkulu University, and Muhammadiyah University of Bengkulu. The sample was selected using stratified random sampling. Data were collected through questionnaires and analyzed using multiple linear regression with the assistance of SPSS software. Instrument testing was conducted through validity and reliability tests, while hypothesis testing was carried out using t-tests, F-tests, and the coefficient of determination. The results indicate that lifestyle and saving habits influence students' personal financial management. Simultaneously, both variables contribute to explaining variations in students' personal financial management in Bengkulu City. These findings highlight the importance of developing a more prudent lifestyle and strengthening saving habits to improve students' financial management capabilities.

Referensi

Aditya Kusuma, I. N. (2023). The Duality of Global Consumer Culture and Local Values: A Study of Lifestyle Consumption Among Indonesian University Students. https://journal.ugm.ac.id/gamaijb/article/view/12345

Afni, FN, Gumilar, R., & Hermawan, Y. (2025). Financial Technology Terhadap Perilaku Menabung. 2(3), 619–628.

Amri, A., Ramdani, Z., Warsihna, J., & Tae, L. F. (2022). The Development and Validation of Financial Management Behavior (FMB) Scale in Postgraduate Students. Jurnal Manajemen Indonesia.

Appel, G., Grewal, L., Hadi, R., & Stephen, A. T. (2020). The future of social media in marketing. Journal of the Academy of Marketing Science, 48(1), 79–95. https://doi.org/10.1007/s11747-019-00695-1

Fiardillah, F. (2025). Pengaruh Perilaku Konsumtif Dan Gaya Hidup Hedonis Terhadap Impulse Buying (Suatu Studi Pada Generasi Z Di Kelurahan Maleber Ciamis).

John W. Creswell, J. D. C. (2020). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches.

Khaidir Ali Fachreza, & Rd. Amar Muslih. (2025). Strategi Bank Muamalat dalam Meningkatkan Minat Minat Nasabah terhadap Investasi Emas untuk Tabungan Haji. Jurnal Ekonomi Dan Manajemen, 26(3), 01–12. https://doi.org/10.62951/jem.v26i3.70

Menon, V., Grover, S., Gupta, S., Indu, P. V., Chacko, D., & Vidhukumar, K. (2025). A primer on reliability testing of a rating scale. Indian Journal of Psychiatry, 67(7), 725–729. https://doi.org/10.4103/indianjpsychiatry_584_25

Prakoso, A. F., Subroto, W. T., Andriansyah, E. H., RoziqiFath, Z. F. M., & Ginanjar, A. E. (2026). Mapping Hedonic Motivation, Digital Influence, and Conspicuous Consumption Behavior: A Bibliometric Analysis. Journal of Behavioral Science, 21(1), 105–120. https://doi.org/10.69523/tjbs.2026.288901

Putra, I. G. S. (2025). Unpacking the influence of parental and peer support on youth financial literacy and saving behavior in Indonesia. Jurnal Siasat Bisnis, 29(2), 194–210. https://doi.org/10.20885/jsb.vol29.iss2.art5

Sekaran, U., & Bougie, R. (2021). Research methods for business 5th Ed: a skill building approach. Journal of Education Business, 68(5), 203–206. https://www.scirp.org/reference/referencespapers?referenceid=2371540

Setyaedhi, H. S. (2024). Comparative Test of Cronbach’s Alpha Reliability Coefficient, Kr-20, Kr-21, And Split-Half Method. https://ejournal.undiksha.ac.id/index.php/JERE/article/view/68164

Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif, dan R&D.

Sugiyono. (2019). Metode Penelitian: Kuantitatif, Kualitatif, dan R&D. https://sampoerna-university.bmsurbanwagyu.com/id/pengertian-skala-likert- cara-penggunaan-dan-contoh/

Xiao, Jing Jian O’Neill, B. (2022). Disability Type, Financial Capability, and Risky Asset Holding. Journal of Disability Policy Studies, 32(4), 269–279. https://doi.org/10.1177/1044207320981781

Yana, N., & Setyawan, I. R. (2023). Do Hedonism Lifestyle and Financial Literacy Affect To Student’S Personal Financial Management? International Journal of Application on Economics and Business, 1(2), 880–888. https://doi.org/10.24912/ijaeb.v1i2.880-888

Adhari, F., & Haningsih, L. (2025). Pengaruh Literasi Keuangan , Sikap Keuangan , dan Gaya Hidup Terhadap Perilaku Keuangan ( Studi Kasus pada Mahasiswa / Mahasiswi Universitas Mercu Buana ). 5(4), 1072–1091.

Agustyawati, D., Pardana, D., Nurfadila, E., & Anggraini, S. (2023). The Influence of Financial Literacy and Lifestyle on the Saving Behavior Of Management Students at Muhammadiyah University of Buton. 2(1), 264–271.

Dramaga, K., Suryawati, R. F., & Oetari, A. D. (n.d.). The Influence of Lifestyle and Financial Literacy on Saving Behavior for Undergraduate Students in Indonesia. https://doi.org/10.4108/eai.14-9-2020.2304486

Ekonomi, F., Bisnis, D. A. N., & Ahmad, U. (n.d.). Dampak Literasi Keuangan terhadap Sikap Menabung dengan Self Control sebagai Variabel Madiasi pada Mahasiswa. xx(xx).

Fkip, M., Klabat, U., Seroy, J. A., Aseng, A. C., Lakat, J. S., Meiske, E., & Lasut, M. (2025). Nusantara Hasana Journal. 4(10), 120–129.

Gen-z, P. P., Asiah, S. N., Maripah, S., Putra, U. N., & Putra, U. N. (2025). Pengaruh Literasi Keuangan , Perilaku Pembelian Impulsif Terhadap. 312–321.

Ghozali, I. (2013). Aplikasi Analisis Multivariate dengan Program IBM SPSS 21.

Jan, N. (2026). Understanding Students ‘ Financial Behavior Through Lifestyle and Open Innovation. 9(1), 214–232.

Knowledge, P. F., Attitude, F., Efficacy, S., Control, L. O. F., & Terhadap, D. A. N. L. (2022). Pengaruh financial knowledge, financial attitude, financial self efficacy, income, locus of control, dan lifestyle terhadap financial management behavior generasi z. 10(2021), 82–97.

Lorensa, L., & Jibrail, A. (2025). The Influence of Financial Literacy , Lifestyle , and Self- Control on the Financial Management of Students. 04(02), 595–610.

Mad, S., Omar, N. A., Ahmad, M., & Zawawi, M. M. (2024). The Impact of Financial Literacy on Saving Habits among Malaysian Youth : A Gender-Based Analysis. VIII(2454). https://doi.org/10.47772/IJRISS

Motivation, M. H., Influence, D., & Consumption, C. (2026). The Journal of Behavioral Science ( TJBS ). 21(1), 105–120.

Sabrina, B. C., Milati, N. A., & Octavia, A. N. (2024). Financial Literacy, Lifestyle, Self Control on Students ‘ Financial Behavior. 3(2), 87–98.

Saku, P. U., Hidup, G., & Penggunaan, D. A. N. (2025). Financial Technology terhadap Perilaku Menabung. 2(3), 619–628.

Santi, Puspitasari, DiaAulia, I. R., Samasta, A. na, & Setyahuni, S. W. (2026). Determinants of Financial Management Behavior : Financial Literacy , E-wallet Use , and Lifestyle. 8(1), 1009–1019.

Teoh, K. B., Teow, B. K., Aryani, D. N., & Liu, Z. (2026). From Savings to Consumption : How Financial Literacy Influences College Students ’ Use of Electronic Wallets and Budgeting Behaviors. 9(1), 75–89.

Wenhao, T. (n.d.). The influencing factors of financial management skilss of undergraduate college students at XI ‘ an university of finance and economics management skills of undergraduate college students at XI ‘ an university of finance