Sa`diyah, Halimatus (2026) Pengaruh Literasi Keuangan, Perencanaan Keuangan, dan Sikap Keuangan terhadap Perilaku Pengelolaan Keuangan Pegawai Puskesmas Wilayah Surabaya Utara. Undergraduate thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
This study aims to analyze the influence of financial literacy, financial planning, and financial attitude on the financial management behavior of Puskesmas employees in the North Surabaya region. Public sector employees have relatively stable incomes, yet face high living costs and economic pressures in a metropolitan city like Surabaya, requiring wise and effective financial management. This research adopts a quantitative approach with an explanatory design by distributing questionnaires to 111 Puskesmas employee respondents in North Surabaya. Data analysis was conducted using Multiple Linear Regression with SPSS software. The results showed that partially, financial literacy, financial planning, and financial attitude each have a positive and significant effect on financial management behavior. Simultaneously, all three independent variables significantly affect financial management behavior. These findings indicate that enhancing understanding of financial concepts, structured goal-setting and budgeting, and cultivating wise attitudes toward money are essential to foster responsible financial behavior. This research provides practical implications for public health institutions and policymakers in designing financial education programs to improve employee economic well-being..
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 650 - MANAGEMENT & AUXILIARY SERVICES 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 651 - OFFICE SERVICES 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 652 - PROCESSES OF WRITTEN COMMUNICATION 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 653 - SHORTHAND 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.15 - FINANCIAL MANAGEMENT |
| Divisions: | Bachelor of Management |
| Depositing User: | HALIMATUS SA'DIYAH |
| Date Deposited: | 19 Oct 2026 03:51 |
| Last Modified: | 19 Oct 2026 03:51 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/14489 |
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