The Influence of Lifestyle and Financial Planning on Household Financial Behavior in Kenjeran District Surabaya City

Abstract

This study aims to determine whether lifestyle and financial planning can influence household financial behavior in Kenjeran District, Surabaya City. The research method used in this study is a quantitative method. The population in this study were households in Kenjeran District, Surabaya City, with a total of 51.811 people. Sampling technique using probability sampling by using the Slovin formula for determining the sample and displaying the results of a total of 100 people. Distribution of questionnaires is a data collection method used in this study. Data analysis and processing techniques using Partial Least Square (PLS) with SmartPLS software. In order to obtain the test results, namely: (1) lifestyle has a positive influence on financial behavior, (2) lifestyle has a positive influence on financial planning, (3) financial planning has a positive influence on financial behavior, and (4) lifestyle has a positive influence on financial behavior through financial planning.