The effect of financial literacy on the personal financial management of housewives during the COVID-19 pandemic in Makassar city

The pandemic condition makes most housewives complain because of financial management problems. Financial literacy can help a person in managing household finances in times of crisis. This study aims to determine the influence of financial knowledge, financial behavior, and financial attitudes on the personal financial management of housewives in the city of Makassar. This research is quantitative research using descriptive analysis. The data used are primary data. The number of samples was 100 people with a purposive sampling approach. The results showed that financial knowledge partially had a negative and significant effect on personal financial management with a calculated t value of -2.298 < t table 1.984 and a significant value of 0.024 < 0.05. Financial behavior partially had a positive and significant effect on personal financial management with a calculated t value of 5.133 > t table 1.984 and a significant value of 0.000< 0.05. Financial attitudes partially have a positive and significant effect on personal financial management with a calculated t value of 2.951 > t table 1.984 and a significant value of 0.004 < 0.05. Financial knowledge, financial behavior, and financial attitudes simultaneously had a positive and significant effect on personal financial management with a calculated F value of 25,849 > F table 3.09 and a significant value of 0.000 < 0.05.