Pengaruh Literasi Keuangan terhadap Perilaku Konsumtif Generasi Z pada Mahasiswa

Isi Artikel Utama

Monica Oktaviani
Merisa Oktaria
Rinto Alexandro
Eriawaty Eriawaty
Rahman Rahman

Abstrak

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan terhadap perilaku konsumtif generasi z pada mahasiswa Fakultas Keguruan dan Ilmu Pendidikan, Universitas Palangka Raya. Penelitian ini menggunakan jenis penelitian deskriptif dengan pendekatan kuantitaif. Sampel penelitian menggunakan teknik purposive sampling dengan jumlah 71 orang responden. Adapun teknik pengumpul data dalam penelitian ini yaitu melalui teknik komunikasi langsung yaitu wawancara dan komunikasi tidak langsung melalui instrumen berupa kuesioner. Berdasarkan hasil penelitian yang telah dilakukan, maka diperoleh hasil bahwa literasi keuangan berpengaruh signifikan terhadap perilaku konsumtif generasi Z  pada mahasiswa. Dapat dilihat dari hasil regresi linear sederhana pada koefisien regresi variabel X, nilainya sebesar 1,886. Artinya, setiap penambahan 1 tingkat literasi keuangan (X), maka perilaku konsumtif generasi Z pada mahasiswa (Y) akan meningkat sebesar 1,886 yang berarti literasi keuangan berpengaruh terhadap perilaku konsumtif generasi Z pada mahasiswa. Serta diketahui Nilai R Squere pada variabel literasi keuangan memberikan kontribusi sebesar 61,5% terhadap variabel perilaku konsumtif, sedangkan 38,5% lainnya dipengaruhi oleh faktor lain diluar variabel yang diteliti.

Rincian Artikel

Bagian
Articles
Biografi Penulis

Rinto Alexandro, Universitas Palangka Raya

Program Studi Pendidikan Ekonomi FKIP Universitas Palangka Raya

Referensi

Abdullah, M. N. F., & Suja’i, I. S. (2022). Pengaruh Gaya Hidup Dan Media Sosial Terhadap Perilaku Konsumtif. Jurnal Pendidikan DEWANTARA: Media Komunikasi, Kreasi Dan Inovasi Ilmiah Pendidikan, 8(2), 72–84. https://doi.org/10.55933/jpd.v8i2.402

Al Arif, N., & Imsar, I. (2023). Pengaruh Literasi Keuangan, Norma Subjektif, dan Gaya Hidup terhadap Perilaku Konsumtif Mahasiswa UIN SU Medan Pengguna Electronic Money dengan Pengendalian Diri sebagai Moderasi. Transformasi Manageria: Journal of Islamic Education Management, 3(2), 406–428. https://doi.org/10.47467/manageria.v3i2.2293

Alhenawi, Y., & Elkhal, K. (2016). Financial literacy of U . S . households : Knowledge vs . long- term financial planning. July.

Andriyani, S. S., Budidharmanto, L. P., & Junianto, Y. (2022). Effects of Financial Literacy and Financial Management Teaching on Financial Behavior (Student Study of Hotel & Tourism Business Study Program). Primanomics : Jurnal Ekonomi & Bisnis, 20(2), 139–148. https://doi.org/10.31253/pe.v20i2.1180

Aribawa, D., & Widyatini, I. R. (2017). Creative Business Financial Literacy in Yogyakarta. International Journal of Social …, 1, 108–115. https://ejournal.undiksha.ac.id/index.php/IJSSB/article/view/10528

Asisi, I., & Purwantoro. (2020). Pengaruh Literasi Keuangan, Gaya Hidup Dan Pengendalian Diri Terhadap Perilaku Konsumtif Mahasiswa Prodi Manajemen Fakultas Ekonomi Universitas Pasir Pengaraian. Jurnal Ilmiah Manajemen Dan Bisnis, 2(1), 107–118. https://journal.upp.ac.id/index.php/Hirarki/article/view/671/426

Azsahrah, S., Jasman, J., Asriany, & Ardhana, M. A. (2023). The Effect of Financial Literacy and Online Shopping on Student Consumptive Behavior. Jurnal Economic Resource, 6(1), 76–82. https://doi.org/10.57178/jer.v6i1.561

Baptista, S. M. J. (2021). The Influence of Financial Attitude, Financial Literacy, and Locus of Control on Financial Management Behavior (Study Case Working-Age of Semarang). International Journal of Social Science and Business, 5(1), 93–98. https://doi.org/10.23887/ijssb.v5i1.31407

Chandra, E. V. (2022). The Influence of Fanaticism and Consumptive Behavior Towards Financial Literacy in K-Pop Fans: A Study In An Entrepreneurship-Based University. Jurnal Entrepreneur Dan Entrepreneurship, 11(2), 89–100. https://doi.org/10.37715/jee.v11i2.2753

Dzakiyyah, A., Saptono, A., & Pratama, A. (2022). the Effect of Financial Literacy and Self-Control on the Consumptive Behavior of State Senior High School Students in East Jakarta. Transekonomika: Akuntansi, Bisnis Dan Keuangan, 2(6), 71–82. https://doi.org/10.55047/transekonomika.v2i6.271

Fauzia, A. N., & Nurdin. (2019). Pengaruh Literasi Keuangan terhadap Perilaku Konsumtif. Prosiding Manajemen, 5(1), 79–84.

Fransisca, C., & Erdiansyah, R. (2020). Media Sosial dan Perilaku Konsumtif. Prologia, 4(2), 435. https://doi.org/10.24912/pr.v4i2.6997

Hamdan, U., Eka, D., Bakar, S. W., & Syathiri, A. (2020). The Effect of Financial Literacy on University Student Consumptive Behavior: Case Study on the Economic Faculty of Sriwijaya University. 142(Seabc 2019), 108–113. https://doi.org/10.2991/aebmr.k.200520.019

Hartini, L. P. Y., Suarmanayasa, I. N., & Sinarwati, N. K. (2022). The Influence of Internal and External Factors on Investment Decisions with Financial Literature as Moderate Variables. International Journal of Social Science and Business, 6(1), 91–102. https://doi.org/10.23887/ijssb.v6i1.44028

Hidayanti, F., Tubastuvi, N., Purwidianti, W., & Endratno, H. (2023). The Influence Of Financial Literacy, Lifestyle, Self-Control, And Peer Conformity On Student’s Consumptive Behavior. International Journal Of Economics, Business And Accounting Reseacrh (IJEBAR), 2023(1), 1–14.

Jhonson, B., Andriani, R., Noviana, I., & Tamara, D. (2023). Well-Being Through Spending , Saving , and Investment Behavior in Indonesia. 6(2), 157–168.

Kumalasari, & Soesilo. (2019). Pengaruh Literasi Keuangan, Modernitas Individu, Uang Saku Dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa Prodi S1 Pendidikan Ekonomi Angkatan Tahun 2016 Fakultas Ekonomi Universitas Negeri Malang. Jurnal Pendidikan Ekonomi, 12(1), 61–71. http://journal2.um.ac.id/index.php/jpe/index

Mahdzan, N. S., Mohd-Any, A. A., & Chan, M. K. (2017). The influence of financial literacy, risk aversion and expectations on retirement planning and portfolio allocation in Malaysia. Gadjah Mada International Journal of Business, 19(3), 267–289. https://doi.org/10.22146/gamaijb.24441

Mahendra, R., Nugroho, M., & Pristiana, U. (2023). Pengaruh Status Ekonomi, Literasi Keuangan, Pengelolaan Keuangan Terhadap Gaya Hidup Pada Generasi Z Dengan Perilaku Konsumtif. Cakrawala Repositori IMWI, 6(1). https://doi.org/10.52851/cakrawala.v6i1.266

Miftahul Jannah, A., Murwatiningsih, M., & Oktarina, N. (2021). The Effect of Financial Literacy, Social Media, and Social Environment towards The Consumptive Behavior of Students at SMA Negeri Kabupaten Jepara. Jee, 10(2), 85–93. http://journal.unnes.ac.id/sju/index.php/jeec

Mitra, N., Syahniar, S., & Alizamar, A. (2019). Consumptive Behavior of Students in Shopping Online and Implications in Guidance and Counseling Services in Universities. International Journal of Research in Counseling and Education, 3(2), 120. https://doi.org/10.24036/00132za0002

Ninik Srijani, K. (2018). Pengaruh Media Sosial dan Teman Sebaya terhadap Perilaku Konsumtif Mahasiswa. EQUILIBRIUM : Jurnal Ilmiah Ekonomi Dan Pembelajarannya, 6(1), 61. https://doi.org/10.25273/equilibrium.v6i1.2186

Putri, L. P. (2023). The Role of Self-Control in Mediating the Effects of Using E-Money and Financial Literacy on Student Consumptive Behavior. Proceeding Medan International Conference Economics and Business, 1(January), 853–864.

Ridhayani, F., & Johan, I. R. (2020). The Influence of Financial Literacy and Reference Group toward Consumptive Behavior Across Senior High School Students. Journal of Consumer Sciences, 5(1), 29–45. https://doi.org/10.29244/jcs.5.1.29-45

Ritonga, M., Windari, F., Sihite, T. H., & ... (2021). The Influence of Financial Literacy, Financial Inclusion and Consumptive Behavior on Student Interests in Management Department, Faculty of Economics and …. … Research and Critics …, 4005–4013. https://bircu-journal.com/index.php/birci/article/view/2168

Sari, D. E., Selviana, E. A., Brilliani, Asila, N. F., & Jannah, M. (2022). The Effect of Financial Literature and Financial Technology on Financial Inclusion Among Accounting Student. International Journal of Social Science and Business, 6(3), 310–315. https://doi.org/10.23887/ijssb.v6i3.40508

Sarpong-Kumankoma, E. (2023). Financial literacy and retirement planning in Ghana. Review of Behavioral Finance, 15(1), 103–118. https://doi.org/10.1108/RBF-05-2020-0110

Sri Darmawati, L. E., Ruski, R., Jannah, R., & Jailani, A. (2023). The Effect of Financial Literacy and Self-Control on Students’ Consumptive Behavior. Muhasabatuna : Jurnal Akuntansi Syariah, 5(1), 013–020. https://doi.org/10.54471/muhasabatuna.v5i1.2344

Sufatmi, N., & Purwanto, E. (2021). the Effect of Financial Literature, Lifestyle, and Self-Control on Consumption Behavior on Online Shopping By State Students of State Universities in Surabaya. Jurnal Ekonomi Balance, 17(2), 317–324. https://doi.org/10.26618/jeb.v17i2.6207

Sugiharto, B., Simanungkalit, R. V, Siregar, I., & Andriani, M. (2023). Enrichment : Journal of Management Effect of financial literacy at consumptive behavior of X ’’ university students in Medan City. 13(2).

Sugiyono. (2014). Metode Penelitian kuantitatif, kualitatif dan R & D. Bandung : Alfabeta.

Sunyoto, D. (2013). Metode dan instrumen penelitian : ekonomi dan bisnis. Yogyakarta : CAPS (Center for Academic Publishing Service).

Suparno, S., Saptono, A., Wibowo, A., & Putri, N. (2022). Effect of Financial Literacy and Learning Achievement on Student Consumptive Behaviour. AL-ISHLAH: Jurnal Pendidikan, 14(4), 4929–4938. https://doi.org/10.35445/alishlah.v14i4.1688

Tajuddien, R., & Praditya, A. (2022). Pengaruh Sosial Media terhadap Perilaku Konsumtif Mahasiswa di Online Marketplace. Jurnal Arastirma, 2(2), 180. https://doi.org/10.32493/arastirma.v2i2.23169

Taqwa, Y. S. S., & Mukhlis, I. (2022). Faktor Yang Mempengaruhi Perilaku Konsumtif Pada Generasi Z. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 11(07), 831. https://doi.org/10.24843/eeb.2022.v11.i07.p08

Wahyuni, U. S. (2022). Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Perilaku Keuangan Generasi Z di Provinsi Jambi. Photosynthetica, 2(1), 1–13. https://repository.unja.ac.id/37439/

Wisnu Saputra, G., & Maradona, A. F. (2023). The Effect of Herding Behavior on Millennial Generation Intentions in Investing Crypto Assets. International Journal of Social Science and Business, 7(2), 326–334. https://doi.org/10.23887/ijssb.v7i2.55119

Wongsowinoto, F. (2022). The Effect of Financial Knowledge, Technology, and Behavioral Control on Student Financial Behavior. International Journal of Accounting Finance in Asia Pasific, 5(3), 50–60. https://doi.org/10.32535/ijafap.v5i3.1879