ANALYSIS OF FACTORS AFFECTING EMERGENCY FUND MANAGEMENT IN THE COMMUNITY OF TERBANGGI MARGA VILLAGE, SUKADANA, LAMPUNG EAST

Penulis

DOI:

https://doi.org/10.31000/competitive.v10i1.15583

Kata Kunci:

Financial Literacy, Financial Experience, Lifestyle, Online Loans, Emergency Funds

Abstrak

Emergency fund management plays an important role in maintaining family financial stability, especially for people in rural areas who face income uncertainty. This study is relevant due to the increasing need for people to provide sufficient financial reserves amid increasingly complex economic risks. The main objective of this study is to evaluate the impact of financial literacy, financial experience, lifestyle, and online loans on emergency fund management practices in Terbanggi Marga Village. This study uses a quantitative method by conducting a survey of 89 respondents selected through purposive sampling. Data analysis was performed using multiple linear regression to test the influence of each independent variable on emergency fund management, with a p-value of less than 0.001, so that the hypothesis stating the influence of these two variables can be accepted. Conversely, lifestyle (p = 0.692) and online loans (p = 0.411) had no significant effect, so the hypotheses proposed for these two variables were rejected. Overall, all independent variables had a significant effect, with a calculated F value of 51.810 and a p-value of less than 0.001. The coefficient of determination reached 69.8%, indicating that the regression model can explain most of the variation in emergency fund management. In conclusion, people's behavior in managing emergency funds is mainly influenced by financial capability and practical experience in finance, rather than lifestyle preferences or the use of online loan services.

Biografi Penulis

  • Selin Jurniasari, Universitas Islam Negeri Jurai Siwo Lampung
    Departemen Akuntansi Syariah
  • Thoyibatun Nisa, Universitas Islam Negeri Jurai Siwo Lampung
    Departemen Akuntansi Syariah
  • Era Yudistira, Universitas Islam Negeri Jurai Siwo Lampung
    Departemen Akuntansi Syariah

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2026-01-30

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Vol 10 No 1 (2026): Competitive Jurnal Akuntansi dan Keuangan

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