pengaruh tingkat pendapatan dan gaya hidup terhadap perilaku pengelolaan utang dengan self- control sebagai variabel mediasi
Daftar Isi:
- within their financial management, people certainly avoid debt. it is not a bad incident when an individual is capable to manage his debt well. the research aims to test effect of income level and lifestyle on debt management behavior with self- control as mediator variable. sample consists of 285 respondents in surabaya. sampling technique was undertaken using purposive method and data collection was undertaken using convenience sampling. respondent characteristics were live in surabaya, productive age from 18 to 55, and own consumptive (debt) obligation. the research obtains primary data through questionnaire. statistic test instrument that used to test hypothesis of the research was partial least square (pls). the result shows that income level and lifestyle affect significantly on debt management behavior and self-control mediates the effect of income level and lifestyle on debt management behavior.