Pengaruh Lifestyle dan Financial Planning Terhadap Spending Behavior pada ASN di Kecamatan Pulau Banyak
DOI:
https://doi.org/10.63822/c794sj47Keywords:
Lifestyle, Financial Planning, Spending Behavior, State Civil Apparatus.Abstract
This study is motivated by the importance of understanding the spending behavior of State Civil Servants (ASN), given that a relatively stable income is not always accompanied by sound financial management. Furthermore, there is a lack of research examining this phenomenon among ASN in island regions, specifically in Pulau Banyak District, Aceh Singkil Regency. This study aims to determine how lifestyle and financial planning influence the spending patterns of civil servants in Pulau Banyak District, Aceh Singkil Regency. A quantitative method was employed, involving 64 respondents selected through simple random sampling. Data were collected via questionnaires and analyzed using multiple linear regression with IBM SPSS Statistics 25 software. The results indicate that lifestyle does not have a significant effect on spending patterns; however, sound financial planning exerts a positive and significant influence on how they spend their money. These findings suggest that financial planning plays a crucial role in shaping wiser spending behavior among ASN.
References
Akbar, A., Rahmadany, E., Gami, P., & Tumanggor, M. B. (2026). The Influence of Financial Planning and Self-Control on GenerationZ’s Consumptive Behavior on E-Commerce Platforms. Journal of Innovative and Creativity, 6(2024), 4919–4932.
Azzahra, F. (2023). Pengaruh Harga, Pendapatan, Dan Gaya Hidup Terhadap Keputusan Pembelian Perhiasan Emas Oleh Masyarakat Kelurahan Kampung Mandar Kabupaten Banyuwangi [Skripsi] (Issue April).
Bona, J. T. C. (2018). Special Issue Factors Affecting The Spending Behavior Of College Students. Journal of Fundamental and Applied Sciences.
Djamhari, S. I., Mustika, M. D., Sjabadhyni, B., & Ndaru, A. R. P. (2024). Impulsive buying in the digital age: investigating the dynamics of sales promotion, FOMO, and digital payment methods. Cogent Business and Management, 11(1). https://doi.org/10.1080/23311975.2024.2419484
Fresillya, S. S. (2024). Analysis of the Influence of Financial Planning, Financial Allowance, and Self Control on the Online Marketplace Buying Among Students (2020-2021) [Universitas Islam Indonesia]. https://dspace.uii.ac.id/123456789/50412
Hilgert, R. K., & Luttrell, M. (2023). Investigating the Impact of Financial Literacy and Income on Financial Behaviors Among Millennials. Indonesia Accounting Research Journal, 11(1), 37–50.
Kaswoto, J., & Sudarmanto, E. (2025). Financial Freedom or Just a Dream ? The Effect of Financial Planning on the Financial Wellbeing of Gen Z Employees in West Java. Science Du Nord Economics and Business, 2(01), 93–101. https://doi.org/10.71238/sneb.v2i01.64
Maharani, A. P. (2025). Pengaurh Literasi Keuangan, Pendapatan, Perilaku Keuangan Dan Gaya Hidup Terhadap Kesejahteraan ASN (Aparatur Sipil Negara) Dinas Pendidikan Di Kabupaten Bondowoso.
Marwiyah, I., Fuadi, F., & Selvina, M. (2025). Pengaruh Financial Literacy Dan Lifestyle Terhadap Financial Management Behaviour Pada PNS Dengan Self-Control Sebagai Variabel Intervening Dalam Perspektif Ekonomi Islam (Studi Pada Pegawai Negeri Sipil Di Bandar Lampung). Jurnal Lentera Bisnis, 14(2), 2425–2443. https://doi.org/10.34127/jrlab.v14i2.1605
Muhrim, M. R., & Hulihulis, W. (2025). Moderasi Literasi Keuangan Terhadap Gaya Hidup Dan Perilaku Konsumtif (Studi Pada Mahasiswa Penerima beasiswa KIP FEBI UIN AMSA ). Hipotesa, 19(2), 62–77.
Omakhanlen, A. E., Iyika, P. I., Chimezie, P. O., & Osho, O. (2021). Impact of economic and financial literacy on the spending behaviour of selected public servants in Lagos state Nigeria. WSEAS Transactions on Business and Economics, 18, 95–105. https://doi.org/10.37394/23207.2021.18.11
Rafi, M., Mulatsih, L. S., Manajemen, P., Ekonomi, F., & Hatta, U. B. (2025). Pengaruh Financial Literacy Dan Gaya Hidup Terhadap Locus Of Control.
Sari, A. L. A., & Widoatmodjo, S. (2023). Pengaruh Literasi Keuangan, Gaya Hidup, dan Locus of Control terhadap Perilaku Keuangan Mahasiswa di Jakarta. Jurnal Manajerial Dan Kewirausahaan, 5(2), 549–558. https://doi.org/10.24912/jmk.v5i2.23426
Said, M., Tahlyan, D., Stathopoulos, A., Mahmassani, H., Walker, J., & Shaheen, S. (2023). In-person, pick up or delivery? Evolving patterns of household spending behavior through the early reopening phase of the COVID-19 pandemic. Travel Behaviour and Society, 31(April 2022), 295–311. https://doi.org/10.1016/j.tbs.2023.01.003
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Hera Nofita Sari, Tio Devilishanti, Fitria Mandaraira, Muzakir Muzakir (Author)
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
