THE EFFECT OF SPIRITUAL INTELLIGENCE AND HEDONISTIC LIFESTYLE ON PERSONAL FINANCIAL MANAGEMENT (CASE STUDY OF EMPLOYEES AT THE P3AKB OFFICE OF THE PROVINCIAL GOVERNMENT OF NORTH SUMATRA)
DOI:
https://doi.org/10.61402/sajmr.v3i4.494Keywords:
Spiritual Intelligence, Hedonistic Lifestyle, Personal Financial ManagementAbstract
This study aims to determine the effect of Spiritual Intelligence and Hedonistic Lifestyle on Personal Financial Management among civil servants at the North Sumatra Provincial Office of Women's Empowerment, Child Protection, and Family Planning (P3AKB). The research method used is quantitative with an associative approach. The sampling technique used was total sampling, where the entire population of 40 people was used as the sample. Data collection was carried out through the distribution of questionnaires using a Likert scale. Data analysis was performed using classical assumption tests, multiple linear regression analysis, t-tests (partial), F-tests (simultaneous), and coefficient of determination tests using SPSS software. The results showed that the Spiritual Intelligence variable had a positive and significant effect on Personal Financial Management, with a t-value of 3.449 and a significance of 0.044. Meanwhile, Hedonistic Lifestyle has a negative and significant effect on Personal Financial Management, with a t-value of -2.548 and a significance level of 0.039. The simultaneous test (F-test) shows that both independent variables together have a significant effect on Personal Financial Management, with a calculated F value of 4.448 and a significance of 0.048. The coefficient of determination (R²) of 0.721 indicates that 72.1% of the Personal Financial Management variable can be explained by Spiritual Intelligence and Hedonistic Lifestyle, while the rest is influenced by other factors that were not examined.
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