Pengaruh Financial Literacy Terhadap Pengelolaan Keuangan Karyawan Matahari Medan Mall Dengan Pendapatan Tetap
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Abstract
Pengelolaan keuangan tidak hanya mencakup pencatatan pemasukan dan pengeluaran, tetapi juga melibatkan perencanaan, pengendalian, dan pengambilan keputusan keuangan yang rasional. Individu yang mampu mengelola keuangan dengan baik akan lebih mudah mengalokasikan pendapatan untuk kebutuhan konsumsi, tabungan, maupun investasi sehingga dapat menciptakan stabilitas ekonomi pribadi. Penelitian ini bertujuan untuk menganalisis pengaruh Financial Literacy dan pendapatan terhadap pengelolaan keuangan karyawan tetap Matahari Medan Mall. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Data diperoleh melalui penyebaran kuesioner kepada karyawan tetap yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan SPSS versi 26. Hasil penelitian menunjukkan bahwa Financial Literacy berpengaruh positif dan signifikan terhadap pengelolaan keuangan. Pendapatan juga berpengaruh positif dan signifikan terhadap pengelolaan keuangan. Secara simultan, Financial Literacy dan pendapatan berpengaruh positif dan signifikan terhadap pengelolaan keuangan.
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