Effect Of Accounting Understanding, Recording Habits, And Discipline On Employee Financial Management

Abstract

The study has an objective to understand the influence of basic accounting understanding, financial record-keeping habits, and financial discipline on the PT XYZ Gresik employees’ personal financial management in Gresik. The study utilized a quantitative method with an approach of associative causal. The population comprised of 113 employees, with 88 respondents as the sample set through leveraging the Slovin formula. Data were amassed via questionnaires and dissected utilzing multiple regression with SPSS software. Simultaneously, these three variables also significantly impact personal financial management, with an F-value of 44.553 and 0.000 as the p-value. The R² of 0.614 conveys that 61.4% of the differences in employees’ personal financial management can be accounted for by basic accounting understanding, financial record-keeping habits, and financial discipline, while the remaining 38.6% is influenced by aspects not within the scope of this study. The findings suggest that improving basic accounting understanding, financial record-keeping habits, and financial discipline can support better personal financial management.