The Effect of Household Financial Decision-Making on Financial Well-Being with Lifestyle as an Intervening Variable

Rahman, Abdul and Rahmawati, Rahmawati and Goso, Goso (2025) The Effect of Household Financial Decision-Making on Financial Well-Being with Lifestyle as an Intervening Variable. The Effect of Household Financial Decision-Making on Financial Well-Being with Lifestyle as an Intervening Variable, 21 (21). pp. 696-704. ISSN 21 (2025) 696-704

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Abstract

This study analyzes the effect of household financial decision-making on financial well-being with lifestyle as an intervening variable. The objective is to examine how financial decisions directly and indirectly through lifestyle affect financial well-being. A quantitative approach was used with questionnaires distributed to 100 households in North Luwu Regency and analyzed using PLS-SEM. The results show that financial decision-making significantly impacts financial well-being both directly and indirectly through lifestyle. The implication of this research highlights the importance of enhancing financial literacy, controlling lifestyle, and implementing sustainable financial planning to achieve better household financial well-being in the long term.

Item Type:	Article
Contributors:	Contribution Contributors ID/NIDN/NIDK Teacher Rahmawati, Rahmawati NIDN0906027601 Teacher Goso, Goso NIDN0912067603
Uncontrolled Keywords:	Household Finance, Financial Decision-Making, Financial Well-Being, Lifestyle, Financial Literacy, Structural Equation Modeling
Subjects:	L Education > LB Theory and practice of education L Education > LC Special aspects of education
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	Abdul Rahman Rahman
Date Deposited:	05 Jan 2026 07:57
Last Modified:	05 Jan 2026 07:58
URI:	http://repository.umpalopo.ac.id/id/eprint/6063

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