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Quantitative analysis shows financial literacy significantly enhances financial well-being, while gender lacks moderation effects.
This study aims to determine the effect of financial decision-making on financial well-being with gender as a moderating variable. This study was conducted using quantitative methods. The population in this study amounted to 800 respondents with a research sample of 132 respondents. The sampling technique used random sampling. Primary data in the form of a questionnaire was used in this study. This study used a moderation regression analysis technique. The results of the study indicate that financial literacy has a significant effect on financial well-being. Financial behavior has a significant effect on financial well-being. Meanwhile, gender does not have a significant effect on financial well-being. Gender is unable to moderate the relationship between financial literacy and financial well-being. Gender is unable to moderate the relationship between financial behavior and financial well-being.
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Aisyah et al. (2025) studied this question.
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