Analisis Pengelolaan Keuangan Keluarga Pada Pekerja Informal Di Kabupaten Mojokerto

Risma, Putri (2026) Analisis Pengelolaan Keuangan Keluarga Pada Pekerja Informal Di Kabupaten Mojokerto. Undergraduate thesis, UPN Veteran Jawa Timur.

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Abstract

Family financial management is an important aspect of maintaining household economic stability, particularly for informal workers who have irregular income. This study aims to examine the influence of financial literacy, income perception, and saving behavior on family financial management among informal workers in Mojokerto Regency. This research employed a quantitative approach involving 199 informal workers selected using a purposive sampling technique. The data were collected through questionnaire distribution and analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with the assistance of SmartPLS 4 software. The results indicate that financial literacy, income perception, and saving behavior each have a positive and significant effect on family financial management. These findings suggest that higher levels of financial literacy, more positive perceptions of income adequacy, and better saving behavior contribute to more effective and sustainable family financial management among informal workers. Keywords: Financial Literacy, Income Perception, Saving Behavior, Family Financial Management.

Item Type: Thesis (Undergraduate)
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorTakarini, NurjantiNIDN0714086502yayannurjanti.em@upnjatim.ac.id.
Subjects: H Social Sciences > HG Finance
Divisions: Faculty of Economic and Business > Departement of Management
Depositing User: Putri Risma
Date Deposited: 30 Jul 2026 03:48
Last Modified: 30 Jul 2026 03:48
URI: https://repository.upnjatim.ac.id/id/eprint/58274

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