The effect of financial literacy on the consumptive behavior of accounting students in vocational high schools in Gowa Regency

Lilis Anjarwati; Nuraisyiah Nuraisyiah; Sitti Hajerah Hasyim

The effect of financial literacy on the consumptive behavior of accounting students in vocational high schools in Gowa Regency

Lilis Anjarwati^(1*), Nuraisyiah Nuraisyiah⁽²⁾, Sitti Hajerah Hasyim⁽³⁾,

(1) Universitas Negeri Makassar
(2) Universitas Negeri Makassar
(3) Universitas Negeri Makassar
(*) Corresponding Author

Abstract

This study aims to determine the effect of financial literacy on the consumptive behavior of accounting students at SMK Negeri 1 Gowa. The variables in this study are financial literacy as the independent variable and consumptive behavior as the dependent variable. The population in this study were all accounting students at SMK Negeri 1 Gowa. The sampling technique used a proportionate stratified random sampling technique, the sample from the population was chosen randomly and proportionally with a sample of 80 students. Data collection techniques used are questionnaires and documentation. The data analysis technique used is descriptive percentage analysis, classic assumption test which consists of normality test and linearity test, instrument test which consists of validity test and reliability test, hypothesis test which consists of simple linear regression analysis, coefficient of determination, and t-test by using SPSS version 25 for windows. Based on the results of the data analysis that has been carried out, a simple linear regression equation model Y = 41,486 – 0,134X is obtained, which means that for each addition of 1 unit of financial literacy, consumptive behavior decreases by 0,134. From the results of the analysis of the coefficient of determination (r²), the value of r² = 0,078, this means that financial literacy on consumptive behavior is 7,8% and the remaining 92,2% is influenced by other factors.

Keywords

Financial Literacy; Consumptive Behavior

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