The Effect of Income and Consumptive Behavior on Financial Literacy of Housewives in Sunggal Village Medan City
Abstract
This study aims to analyze the partial and simultaneous effects of income level and consumptive behavior on the financial literacy of housewives in Sunggal Village, Medan City. A quantitative associative survey approach was used by distributing a 5-point Likert scale questionnaire to 100 respondents selected via Slovin's formula and purposive sampling, which was then analyzed using multiple linear regression in IBM SPSS Statistics. The results indicate that income level has a positive and significant effect on financial literacy, whereas consumptive behavior has a negative and significant effect. Simultaneously, both variables significantly affect financial literacy with an Adjusted R Square value of 0.521. The limitation of this study lies in its scope, which focuses on a single village, and its exclusion of other demographic variables such as education level and digital financial inclusion. Nevertheless, these findings contribute to enriching family financial management literature and serve as a practical reference for local authorities and financial institutions in designing targeted financial literacy education programs.
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