The Influence of Financial Literacy on Rational Financial Decision-Making in Modern Individual Financial Management

• Rismanto Rismanto

  STAI Muafi Sampang

  Penulis

This study aims to analyze the influence of financial literacy on rational financial decision-making in modern individual financial management. This research uses a quantitative approach with a survey method by distributing questionnaires to respondents. The number of respondents in this study was 100 individuals involved in managing personal finances. The data analysis techniques used include validity tests, reliability tests, correlation analysis, simple linear regression analysis, and hypothesis testing using the t-test. The results show that financial literacy has a positive and significant influence on rational financial decision-making. This indicates that individuals with higher levels of financial literacy tend to better understand financial information and are able to make more rational financial decisions in managing their personal finances. Therefore, improving financial literacy is an important factor in supporting more effective and sustainable individual financial management.

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