Pengaruh Literasi Keuangan Penggunaan Elektronik dan Gaya Hidup terhadap Perilaku Keuangan Aparatur Sipil Negara di Surabaya

Abstrak

This study aims to analyze the influence of financial literacy, electronic money usage, and lifestyle on the financial behavior of Civil Servants (ASN) in Surabaya. The background of this research is based on the development of digital technology that encourages the adoption of cashless transactions, as well as the importance of financial literacy in managing personal finances. The study uses a quantitative approach through a survey of 100 randomly selected civil servants. The results show that financial literacy and lifestyle have a significant impact on financial behavior. Civil servants with good financial literacy tend to manage their finances more effectively, while a consumptive lifestyle has a negative effect. Meanwhile, electronic money usage does not have a significant influence. These findings highlight the importance of enhancing financial literacy and raising awareness of lifestyle choices to support the financial well-being of civil servants in the digital era.