The Influence of Financial Literacy, Electronic Money, Lifestyle and Self-Control on Student Consumptive Behavior

Andi Asti Handayani(1*), Muhammad Azis(2), Muhammad Hasan(3),

(1) Department of Economic Education, Postgraduate Program, State University of Makassar
(2) Department of Economic Education, Postgraduate Program, State University of Makassar
(3) Department of Economic Education, Postgraduate Program, State University of Makassar
(*) Corresponding Author



Abstract


Abstract.  The main purpose of this research is to investigate the influence of financial literacy, electronic money, lifestyle, and self-control on the consumptive behavior of university students. The study focuses on the population of students from the Faculty of Economics and Business at Universitas Negeri Makassar. This research adopts a quantitative approach, and the sample consists of 34 students selected through non-probability sampling using purposive sampling technique. Data is collected using a 5-point Likert scale questionnaire, and primary data collection method is employed. The gathered data is analyzed through classical assumption tests, hypothesis testing, and multiple linear regression analysis using SPSS as the analytical tool. The findings of this study indicate that financial literacy and self-control do not have a significant positive influence on the consumptive behavior of university students. However, electronic money and lifestyle have a significant positive influence on their consumptive behavior. Based on the findings of this study, it is suggested to focus on the wise use of electronic money and maintaining a healthy lifestyle to prevent excessive consumptive behavior among university students.

 

Keywords: Electronic Money; Lifestyle; Financial Literacy; Self-control; Consumptive Behavior

Full Text:

PDF

References


Anita, S. Y. (2022). Pengaruh Panic Buying Terhadap Minat Beli Konsumen Secara Impulse Buying Pada Produk Minyak Goreng. Forbes, 16(1), 72–84.

Anjani, P. S., & Astiti, D. P. (2020). Hubungan Kontrol Diri dan Konformitas Terhadap Perilaku Konsumtif Remaja Penggemar Animasi Jepang ( anime ) di Denpasar. Jurnal Psikologi Udayana Edisi Khusus Kesehatan Mental Dan Bidaya, 1, 144–155.

Aprilia, C. S. (2021). Perilaku Panic Buying dan Berita Hoaks Covid-19 di Kota Bandung. Jurnal Communio : Jurnal Jurusan Ilmu Komunikasi, 10(1). https://doi.org/10.35508/jikom.v10i1.3600

Budiman, Y., Umaternate, A. R., Singal, Z. H., & Manado, U. N. (2022). Perilaku Konsumtif Masyarakat di Kelurahan Nalu Kec. Baolan Kabupaten Tolitoli. Indonesian Journal Of Social Science and Education , 2(1), 27–33.

Dewi, L. G. K., Herawati, N. T., & Adiputra, I. M. P. (2021). Penggunaan E-Money Terhadap Perilaku Konsumtif Mahasiswa yang Dimediasi Kontrol Diri. EKUITAS (Jurnal Ekonomi Dan Keuangan), 5(1), 1–19. https://doi.org/10.24034/j25485024.y2021.v5.i1.4669

Dewi, Rusdarti, & Sunarto. (2017). Pengaruh Lingkungan Keluarga, Teman Sebaya, Pengendalian Diri dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa. Journal of Economic Education, Vol 6 Hal.

Fariana, R. E., Surindra, B., & Arifin, Z. (2021). The Influence of Financial Literacy, Lifestyle and Self- Control on the Consumption Behavior of Economic Education Student. International Journal of Research and Review, 8(8), 496–503. https://doi.org/10.52403/ijrr.20210867

Fatmasari, D., Syakir Kurnia, A., & Amin, R. (2019). Use of E-Money and Debit Cards in Student Consumption Behavior. E3S Web Of Conferences, 125(030113). https://doi.org/10.1051/e3sconf/201 Fattah, Indriayu, S. (2018). Pengaruh Literasi Keuangan dan Pengendalian Diri Terhadap Perilaku Konsumtif. BISE: Jurnal Pendidikan Bisnis Dan Ekonomi, Volume 4 N(1), 11–21.

Fauziah, N., & Nurhasanah, N. (2020). the Effect of the Perception of Electronic Money on Consumptive Behavior of Stei Sebi Students. Jurnal Ekonomi Dan Perbankan Syariah, 8(1), 63–84. https://doi.org/10.46899/jeps.v8i1.176

Fauzziyah, & Widayati. (2020). Pengaruh Besaran Uang Saku dan Lingkungan Teman Sebaya Terhadap Perilaku Konsumtif Mahasiswa Fakultas Keguruan Ilmu Pendidikan Universitas IVET. Journal of Economic Education and Entrepreneurship, 1(1), 24–28.

Firdaus, A. B., & Pusposari, L. F. (2022). The Influence of Economic Literacy and Lifestyle on the Consumptive Behavior of Students. J-PIPS (Jurnal Pendidikan Ilmu Pengetahuan Sosial), 8(2), 172– 182. https://doi.org/10.18860/jpips.v8i2.15260

Fitriani. (2020). Pengaruh Lingkungan Teman Sebaya Terhadap Perilaku Konsumtif Melalui Kontrol Diri Siswa di SMA YLPI Pekanbaru. Jurnal Promosi, 8(1), 1–8.

Gunawan A., & Carissa. (2021). the Effect of Financial Literature and Lifestyle on Student Consumption Behavior (Student Case Study Department of Management Faculty of Economics and Business Universitas Muhammadiyah Sumatera Utara). International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS), 1 no 1, hal. 79-86.

Halimatussakdiyah, Martono, S., & Sudarma, K. (2019). Influence of Life Style and Financial Literacy to Consumptive Behavior through Self-Control of Unisnu FEB College Students Jepara. Journal of Economic Education, 8(37), 75–80.

Hayati, A., Yusuf, A. M., & Asnah, M. B. (2020). Contribution of Self Control and Peer Conformity to Consumptive Behavior. International Journal of Applied Counseling and Social Sciences, 1(2), 16– 24. https://doi.org/10.24036/005344ijaccs

Hidayah, N., & Bowo, P. A. (2018). Pengaruh Uang Saku, Locus Of Control, dan Lingkungan Teman Sebaya Terhadap Perilaku Konsumtif. Economic Education Analysis Journal, 7(3), 1025–1039. http://journal.unnes.ac.id/sju/index.php/eeaj

Indriyani, Vivia Aegea ; Saparuddin ; Wiralaga, H. K. (2022). The Effect Of Economic Literacy, Lifestyle, and Self Control On Consumptive Behavior Of Students Of The Faculty Of Economics State University Of Jakarta. 1(3), 37–52.

Insana, D. R. M., & Johan, R. S. (2020). Analisis Pengaruh Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Universitas Indraprasta PGRI. Journal Of Applied Business and Economics (JABE), 7(2), 209– 224.

Jannah, R. (2019). Pengaruh Literasi Ekonomi dan Gaya Hidup Terhadap Perilaku Konsumtof Mahasiswa Jurusan Pendidikan Ekonomi UNESA. Jurnal Pendidikan Ekonomi, Manajemen Dan Keuangan, 3(2), 117–124. https://doi.org/10.26740/jpeka.v3n2.p117-124

Kadeni, & Srijan, N. (2018). Pengaruh Media Sosial dan Teman Sebaya Terhadap Perilaku Konsumtif Mahasiswa. Equilibrium, 6(1), 61–70. https://id.wikipedia.org/wiki/Media.S

Khaidarsyah, S., & Haruna, H. (2021). The Effect of Lifestyle and Self-Concept on Consumptive Behavior in Students of the Department of Economics Education STKIP Pembangunan Indonesian Makassar. Jurnal Administrare: Jurnal Pemikiran Ilmiah Dan Pendidikan Administrasi Perkantoran, 8(2), 359– 368.

Kumalasari, D., & Soesilo, Y. H. (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 Magelang. Jurnal Pendidikan Ekonomi, 12(1), 61–71. https://doi.org/10.17977/UM014v12i12019p061

Kurnia, & Hakim, L. (2021). Pengaruh Literasi Keuangan, Kontrol Diri Dan Pengaruh Literasi Keuangan, Kontrol Diri Dan Lingkungan Teman Sebaya Terhadap Perilaku Lingkungan Teman Sebaya Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Manajemen Dan Bisnis, 4(3), 19–29.

Kusumaningtyas, I., & Sakti, N. C. (2017). Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Perilaku Konsumtif Siswa Kelas XI di SMA Negeri 1 Taman Sidoarjo. Jurnal Pendidikan Ekonomi, 5(3).

Mahrunnisya, D., Indriayu, M., & Wardani, D. K. (2018). Peer Conformity through Money Attitudes toward Adolescence’s Consumptive Behavior. International Journal of Multicultural and Multireligious Understanding, 5(4), 30. https://doi.org/10.18415/ijmmu.v5i4.163

Maulidina, Y., & Kurniawati, T. (2022). The Effect of E-Money, Economic Literacy and Parents’ Income on Consumptive Behavior. Economic Education Analysis Journal, 11(2), 191–200. https://doi.org/10.15294/eeaj.v11i2.54254

Melina, A., Pd, M. E., & Wulandari, S. (2018). Pengaruh Literasi Ekonomi dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswi Pendidikan Ekonomi STKIP YPM Bangko. Scientific Journals Of Economic Education, 2(1).

Nabilah, A. P., Fitri, K. N., Primastuti, R. K., Khoirunnisaa, R. T., Anju, A., & Ernawati, E. (2021). Pengaruh Pandemi Covid-19 Terhadap Pola Konsumsi Mahasiswa. Populika, 9(2), 13–22. https://doi.org/10.37631/populika.v9i2.388

Nurachma, & Arief. (2017). Pengaruh Status Sosial Ekonomi Orang Tua, Kelompok Teman Sebaya Dan Financial Literacy Terhadap Perilaku Konsumtif Pada Siswa Kelas Xi Ips Sma Kesatrian 1 Semarang Tahun Ajaran 2015/2016. Economic Education Analysis Journal, 6(2), 489–500.

Nurjanah, S., Mukhtar, S., Ulfatmi, E., & Triningsih, N. (2019). Pengaruh Literasi Ekonomi dan Self Control Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Negeri Jakarta. PARAMETER: Jurnal Pendidikan Universitas Negeri Jakarta, 31(2), 124–133. https://doi.org/10.21009/parameter.312.05

Prihatini, D., & Irianto, A. (2021). Pengaruh Literasi Keuangan dan Pengendalian Diri terhadap Perilaku Konsumtif Mahasiswa. Jurnal Ecogen, 4(1), 24. https://doi.org/10.24036/jmpe.v4i1.11035

Pulungan, D. R., & Febriaty, H. (2018). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa. In Jurnal Riset Sains Manajemen (Vol. 2, Issue 3).

Ramadhani, R. H. (2019). Pengaruh Literasi Keuangan , Electronic Money , Gaya Hidup , dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa. Repositori Institusi USU, Univsersitas Sumatera Utara.

Saidek, Putri;, & Luthfi; (2020). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Program Studi Ekonomi Syari’ah Semester IV dan VI Sekolah tinggi Agama Islam An-Nadwah Kuala Tungkal. Jurnal Ekonomi Syariah, 3(2), 1–19.

Santoso, I. H., Widyasari, S., & Soliha, E. (2019). Fomsumerism : Mengembangkan Perilaku Conformity Consumption dengan Memanfaatkan Fear Of Missing Out Konsumen. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 15 No 2, 159–171. https://doi.org/10.32812/jibeka.v15i2.230

Sari, D. E., Tiara, Narimo, S., & Saputra, R. C. (2020). The effect of financial literacy and pocket money on consumer behavior of universitas muhammadiyah surakarta (Ums) students. International Journal of Scientific and Technology Research, 9(2), 4235– 4237.

Solihat, A. N., & Arnasik, S. (2018). Pengaruh Literasi Ekonomi Terhadap Perilaku Konsumtif Mahasiswa Jurusan Pendidikan Ekonomi Universitas Siliwangi. 2 No. 1.

Sumantri, M. C., & Ernandi, H. (2021). The Influence of Financial Literacy, Life Style, Social Class, and Online Shopping Fashion on Consumptive Behavior. Academia Open, 5, 1–13. https://doi.org/10.21070/acopen.5.2021.2509


Article Metrics

Abstract view : 475 times | PDF view : 57 times

Refbacks

  • There are currently no refbacks.