Pengaruh Sikap Keuangan, Literasi Keuangan, dan Financial Stress terhadap Perilaku Keuangan Ibu Rumah Tangga (Studi Kasus pada Ibu Rumah Tangga Kelurahan Tonatan, Kabupaten Ponorogo)

This study aims to determine the influence of financial attitudes, financial literacy, and financial stress on the financial behavior of housewives in Tonatan Village, Ponorogo Regency. The data used in this study are primary data. The population of this study consists of all housewives in Tonatan Village, Ponorogo Regency. The sampling technique used was purposive sampling. The data collection method employed was a questionnaire. The data analysis tool used was multiple linear regression analysis with the assistance of SPSS 25. The results of the study indicate that financial attitudes and financial literacy have a positive and significant effect on financial behavior, whereas financial stress does not have a significant effect on financial behavior. This study also shows that financial attitudes, financial literacy, and financial stress simultaneously have a significant effect on the financial behavior of housewives. It is hoped that this study will provide insights for homemakers regarding the importance of having a sound financial attitude and adequate financial literacy in managing family finances, so that they can adopt wiser financial behaviors, improve their financial well-being, and make sound financial decisions.