The Effect of Income Level, Financial Literacy, and Lifestyle on Employee Spending Levels at PT. Hi-Lex Cirebon

Mia Auliah; Abdul Nasir; Syaeful Bakhri

doi:10.63922/ijbqr.v4i02.3555

Mia Auliah Universitas Islam Negeri Siber Syekh Nurjati Cirebon
Abdul Nasir Universitas Islam Negeri Siber Syekh Nurjati Cirebon
Syaeful Bakhri Universitas Islam Negeri Siber Syekh Nurjati Cirebon

DOI: https://doi.org/10.63922/ijbqr.v4i02.3555

Keywords: Income Level, Financial Literacy, Lifestyle, Expenditure Rate

Abstract

This study aims to analyze the influence of income level, financial literacy, and lifestyle on the level of expenditure of employees of PT. Hi-Lex Cirebon. This research is motivated by the increasing needs of employees' lives which are not always balanced with the ability to manage expenses. The research method uses a quantitative approach with a causal associative type. Data was obtained through questionnaires to 86 respondents who were selected using probability sampling using the random sampling method. Data analysis used multiple linear regression through t-test, F test, and determination coefficient. The results showed that the income level did not have a significant effect on the level of expenditure with a calculated t-value of 0.074 < 1.989 and a significance of 0.941 > 0.05. Financial literacy had a significant effect with a t-value of 2.127 > 1.989 and a significance of 0.036 < 0.05, while lifestyle had a significant effect with a t-value of 4.654 > 1.989 and a significance of 0.000 < 0.05. Simultaneously, the three variables had a significant effect on the level of expenditure with an F value of 21.285 > 2.70 and a significance of 0.000 < 0.05. An Adjusted R² value of 0.417 indicates that 41.7% of the variation in the level of expenditure can be explained by these three variables.

References

Bactiar, D. D., Patmasari, E. K., & Cahyo, S. D. (2025). Efek Literasi Keuangan, Gaya Hidup, Dan Pengendalian Diri Terhadap Perilaku Keuangan Karyawan. Solusi, 23(1), 90–109.
Faulijan, H., & Nirmalasaril, L. (2025). Perbedaan Perspektif Sistem Penggajian Antara Manajemen Dan Karyawan Sae Street Food Di Kota Bandung. JAMBURA: Jurnal Ilmiah Manajemen Dan Bisnis, 1(7), 1337–1351.
Halimah, U. N., Wullandari, M., Rivaldo, A. D., & Noviarita, H. (2024). Pengaruh Pengeluaran Konsumsi Masyarakat Dan Pengeluaran Pemerintah Terhadap Pertumbuhan Ekonomi Di Indonesia. Journal of Social Science and Multidisciplinary Analysis, 1(4), 31–50.
Hariyono, S. P. (2024). Ekonomi Makro: Kunci Menuju Stabilitas Ekonomi dan Kesejahteraan Rakyat. Deepublish.
Indrayani, S., & Muzan, A. (2025). Kesenjangan upah dan keadilan sosial terhadap sistem pengupahan di indonesia. Al-Muzdahir: Jurnal Ekonomi Syariah, 07(01).
Isnaeni, I. (2025). Tinjauan Hukum Ekonomi Syariah Terhadap Pembayaran Upah Lembur Karyawan Toko Nurul Di Desa Pitusunggu Kecamatan Ma’rang Kabupaten Pangkep. Doctoral dissertation, IAIN Parepare.
Muslim, B. L. B. B., Hamdani, M., Anugrahani, I. S., Minarsi, A., Rianty, E., Purnamaningrum, T. K., & Juansa, A. (2025). Literasi Keuangan: Wawasan, Perilaku dan Strategi Mengelola Keuangan. PT. Star Digital Publishing, Yogyakarta-Indonesia.
Pangestu, R., Mayasari, T., & Anggraeni, A. D. (2024). The Influence of Lifestyle, Financial Literacy and Income on the Consumptive Behavior of Students. Multidisciplary Journal of Systemic and Innovative Research, 1(2), 111–117.
Ramdhan, M. (2021). Metode penelitian. Cipta Media Nusantara.
Rohmah, F. T., Silviahana, F., Titasyfa, A., Ibrahim, Z., & Hidayat, W. (2024). Pengaruh Gaya Hidup Dan Perilaku Konsumtif Belanja Online Pada Remaja. Jurnal Intelek Insan Cendikia, 1(4), 1199–1210.
Sari, E. N., & Juliana, A. (2025). Analisis Pengaruh Literasi Keuangan, Pendapatan, dan Gaya Hidup Terhadap Perilaku Keuangan Pada Karyawan Rumah Sakit Umum Daerah dr. H. Jusuf SK Provinsi Kalimantan Utara. Jurnal Teknologi Dan Manajemen Industri Terapan, 4(4), 1370–1378.
Swari, N. M. A. D. P., Gama, A. W. S., & Astiti, N. P. Y. (2025). The Effect Of Financial Literacy, Income, And Lifestyle On Personal Financial Management Among Young Workers In Denpasar City. Emas, 6(8), 1811–1823.
Ulhaq, D. S., Tan, S., & Nurjanah, R. (2025). ESTIMASI FUNGSI KONSUMSI MASYARAKAT DI PROVINSI JAMBI. Jurnal Riset Multidisiplin Edukasi, 2(11), 613–625.
Wati, R., & Mustaqim, M. (2024). Pengaruh Literasi Keuangan, Gaya Hidup Dan Pendapatan Terhadap Perilaku Pengelolaan Keuangan Karyawan Pada Pt. Prismas Jamintara Sidoarjo. Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen Dan Akuntansi, 13(1), 87–98.
Zuhdi, H. M., Muhaimin, R., Elitha, Y., Kuncaraningrum, B., Azzahra, F., Fauziyah, E., & Romdoni, S. (2024). Teori Ekonomi Makro Islam. Penerbit Adab.