Women’s Financial Management in East Java: Hedonic Lifestyle, Ease of Digital Payments, Financial Education, and Consumptive Behavior
Pengelolaan Keuangan Perempuan Jawa Timur: Gaya Hidup Hedonisme, Kemudahan Pembayaran Digital, Pendidikan Keuangan dan Perilaku Konsumtif
DOI:
https://doi.org/10.21070/ups.10008Keywords:
Financial Management, Hedonic Lifestyle, Digital Payment, Financial Education, Consumptive BehaviorAbstract
This study aims to analyze the effects of hedonic lifestyle, ease of digital payment, financial education, and consumptive behavior on women’s financial management in East Java Province. The selection of women as research subjects is based on the increasing consumptive tendencies influenced by digital technology advancement and modern lifestyle changes. This study employs a quantitative approach with an explanatory research design. Data were collected through an online questionnaire from 153 female respondents aged 17–40 years using purposive sampling. Data analysis was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The novelty of this study lies in integrating four independent variables into a single research model focusing on women in East Java. The findings indicate that hedonic lifestyle, ease of digital payment, and consumptive behavior have a positive and significant effect on financial management, while financial education shows a positive but insignificant effect.
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