@thesis{thesis,
		author={Puteri  Ningrum Sofiana},
		title ={Pengaruh Literasi Keuangan, Tingkat Pendapatan dan Gaya Hidup Terhadap Kesejahteraan Keuangan Dengan Mediasi Locus Of Control},
		year={2023},
		url={http://eprints.perbanas.ac.id/11214/},
		abstract={Financial well-being is very important in life where it shows the condition of an individual having a healthy state financially and free from various kinds of worries related to finance.  There are two main dimensions of financial well-being, namely financial stress and future financial security. This study aims to examine the effect of financial literacy, income level and lifestyle on financial well-being in Surabaya City, Gresik Regency and Sidoarjo Regency. The number of respondents from this study was 200 respondents with the criteria of having a total family income of at least Rp. 5,000,000 per month, individuals aged 25-55 years and domiciled in Surabaya City, Gresik Regency, and Sidoarjo Regency. The sampling technique used non-random (non-probabilistic), namely purposive sampling technique. The analysis technique used in this research is SEM-PLS (Structural Equation Model-Partial Least Square) using the Smart PLS 3.0 program. The results of this study explain that financial literacy has no significant positive effect on financial well-being, income level has no significant positive effect on financial well-being, lifestyle has a significant positive effect on financial well-being, internal locus of control has a significant positive effect on financial well-being, and locus of control does not significantly mediate the effect of financial literacy on financial well-being.}
		}