Determinants of Financial Literacy, Attitudes, and Personality in Public Employees’ Financial Management in Tabalong
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Abstract
This study aims to examine the influence of financial literacy, financial attitudes, and personality on financial management among civil servants at the Department of Food Security, Fisheries, Food Crops, and Horticulture in Tabalong Regency, South Kalimantan. Specifically, the research objectives are: (1) to analyze the simultaneous effect of financial literacy, financial attitudes, and personality on financial management; (2) to assess the partial effect of each variable on financial management; and (3) to identify the most dominant variable influencing financial management. This is a quantitative study involving 103 civil servants as the population and sample, using saturated sampling. Data were analyzed using multiple linear regression. The findings show that financial literacy, financial attitudes, and personality simultaneously have a significant effect on financial management. Partially, each of the three variables also significantly influences financial management. Among them, financial attitude is identified as the most dominant factor affecting financial management. These results highlight the importance of strengthening financial attitudes, alongside financial literacy and personality traits, to improve personal financial practices among public employees
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