Article Sidebar

Download
PDF
Statistic
Read Counter : 196 Download : 137

Main Article Content

Abstract

This research aims to determine the effect of financial literacy on consumptive behavior in students of the Management Study Program, Faculty of Business and Economics, Islamic University of Indonesia. The sampling technique used was probability sampling with the criteria being students of the Management Study Program at the Islamic University of Indonesia who had taken financial management courses so that a sample of 180 respondents was obtained. This research is quantitative research and uses primary data obtained directly from respondents through questionnaires and processed using the multiple linear regression analysis method. The results of this research indicate that there is a significant negative influence on investment and risk management variables on consumptive behavior. Meanwhile, there is no significant influence on the variables of basic personal financial knowledge and savings on consumptive behavior.

Keywords

Smart Shopper Self Perception Attitude Trust Behavioral Intention

Article Details

References

  1. Abdullah, D., Kurnadi, E., & Apriyani, N. (2021). Pengaruh Literasi Keuangan dan Pengendalian Diri terhadap Perilaku Konsumtif Pada Mahasiswa Fakultas Ekonomika dan Bisnis Universitas. Jurnal Ecogen, 4(1), 24.
  2. Abdullah, M. (2015). Metodologi Penelitian Kuantitatif. In Aswaja Pressindo.
  3. Adi Waluyo, F. I., & Marlina, M. A. E. (2020). Peran Literasi Keuangan Dalam Pengelolaan Keuangan Mahasiswa. Media Akuntansi dan Perpajakan Indonesia, 1(1), 53–74. https://doi.org/10.37715/mapi.v1i1.1401
  4. Arifin, A. Z., Kevin, & Siswanto, H. P. (2017). The Influence of Financial Knowledge, Financial Confidence, and Income on Financial Behaviour Among The Workforce in Jakarta. Jurnal Ilmiah Manajemen, VII(1), 37–47.
  5. Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107–128. https://doi.org/https://doi.org/10.1016/S1057-0810(99)80006-7
  6. Dewi, V. I. (2022). How Do Demographic and Socioeconomic Factors Affect Financial Literacy and Its Variables?. Cogent Business and Management, 9(1), 1-12. https://doi.org/10.1080/23311975.2022.2077640
  7. Dewi, V. I., Febrian, E., Effendi, N., & Anwar, M. (2020). Financial literacy among the millennial generation: Relationships between knowledge, skills, attitude, and behavior. Australasian Accounting, Business and Finance Journal, 14(4), 24–37. https://doi.org/10.14453/aabfj.v14i4.3
  8. Dewi, V. I., Febrian, E., Effendi, N., Anwar, M., & Nidar, S. R. (2020). Financial Literacy and Its Variables: The Evidence From Indonesia. Economics and Sociology, 13(3), 133–154. https://doi.org/10.14254/2071-789X.2020/13-3/9
  9. Enrico, A., Aron, R., & Oktavia, W. (2014). The Factors that Influenced Consumptive Behavior: A Survey of University Students in Jakarta. International Journal of Scientific and Research Publications, 4(1), 1–6.
  10. Fauzia, A. N., & Nurdin. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif (Studi Kasus Pada Mahasiswa Program Studi Manajemen Universitas Islam Bandung Angkatan 2015). Prosiding Manajemen, 5(1), 79–84. https://doi.org/http://dx.doi.org/10.29313/.v0i0.14721
  11. Fernanda, T. I., Arifin, M., Susilo, U., Yuliati, S. W., & Gebriella, S. (2022). Tingkat Financial Literacy Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Kadiri. The 3rd Widyagama National Conference on Economics and Business (WNCEB 2022), 1(1), 1455–1466.
  12. Ghozali, I. (2018). Aplikasi Analisis Multivariate Dengan Program IBM SPSS25 Edisi 9. Badan Penerbit Universitas Diponegoro.
  13. Hardani, Andriani, H., Ustiawaty, J., Utami, E. F., Istiqomah, R. R., Fardani, R. A., Sukmana, D. J., & Auliya, N. H. (2020). Buku Metode Penelitian Kualitatif & Kuantitatif. In H. Abadi (Ed.), Jurnal Multidisiplin Madani (MUDIMA): Vol. Vol. 1 (Nomor March). Pustaka Ilmu.
  14. Herdjiono, I., Damanik, L. A., & Musamus, U. (2016). Pengaruh Financial Attitude, Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Manajemen Teori dan Terapan, 1(3), 226–241.
  15. Hermawan, E., & Vikaliana, R. (2023). The Relationship of Socio-Economic Status to Emotional and Consumptive Behavior. Asian Journal of Management Entrepreneurship and Social Science, 1(1), 9–18. https://doi.org/10.38035/ijphs.v1i1.84
  16. Ismail, A. R. N., Noviartati, K., Syahril, S., & Fikri, A. R. (2021). Investasi Digital Sebagai Solusi Mengurangi Perilaku Konsumtif Milenial Masa Pandemi Covid-19. CAPITAL: Jurnal Ekonomi dan Manajemen, 4(2), 125. https://doi.org/10.25273/capital.v4i2.8742
  17. Iqbal, M. I. (2020). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Institut Agama Islam negeri (iain) manado (Doctoral dissertation, IAIN MANADO).
  18. Khan, K. A., Cera, G., & Alves, S. R. P. (2022). Financial Capability As a Function of Financial Literacy, Financial Advice, and Financial Satisfaction. E a M: Ekonomie a Management, 25(1), 143-160). https://doi.org/10.15240/tul/001/2022-1-009
  19. Kholilah, N. Al, & Iramani, R. (2013). Studi Financial Management Behavior Pada Masyarakat Surabaya. Journal of Business and Banking, 3(1), 69. https://doi.org/10.14414/jbb.v3i1.255
  20. Kurniawan, M. Z. (2023). Peran Literasi Keuangan, Harga, dan Promosi Penjualan Pada Perilaku Konsumtif Generasi Z. Ekonika: Jurnal Ekonomi Universitas Kadiri, 8(1), 151-162. https://doi.org/10.30737/ekonika.v8i1.3636
  21. Mireku, K., Appiah, F., & Agana, J. (2023/0. Is There a Link Between Financial Literacy and Financial Behaviour Cogent Economics and Finance, 11(1), 1-25. https://doi.org/ 10.1080/23322039.2023.2188712
  22. Mendari, A. S., & Kewal, S. S. (2013). Tingkat Literasi Keuangan Di Kalangan Mahasiswa Stie Musi (Financial Literacy Level among Students Stie Musi). Jurnal Economia, Vol 9, No 2 (2013), 130–140. http://journal.uny.ac.id/index.php/economia/article/view/1804
  23. Mengga, G. S., Batara, M., & Rimpung, E. (2023). Pengaruh Literasi Keuangan, E-Money, Gaya Hidup dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa Prodi Manajemen Fakultas Ekonomi Universitas Kristen Indonesia Toraja. Jurnal Riset Ekonomi dan Akuntansi, 1(1), 44-58. https://dpi.org/10.54066/jrea-itb.v1i1.148
  24. Mukmin, M. N., Masnuneh, M., Warizal, W., & Ch, I. (2021). Pinjaman Online: Pengetahuan, Tabungan, Asuransi, dan Investasi. Jurnal Sosial Humaniora, 12(2), 171–177. https://ojs.unida.ac.id/JSH/article/view/4683/2827
  25. Nababan, D., & Sadalia, I. (2012). Analisis Personal Financial Literacy Dan Financial Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara (Personal Financial literacy Analysis and The Financial Behavior Of Undergraduate Students Of The University Of North Sumatra’s Econo. Media Informasi Manajemen, 1, 1–16.
  26. OJK. (2017). Salinan Surat Edaran Otoritas Jasa Keuangan Nomor 30 /Seojk.07/2017. Journal of Chemical Information and Modeling, 53(9), 1689–1699.
  27. OJK. (2019a). Buku 3 - Pasar Modal.
  28. OJK. (2019b). Perbankan Seri Literasi Keuangan.
  29. OJK. (2021). Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2021 - 2025. Ojk.Go.Id, 1–130. https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Strategi-Nasional-Literasi-Keuangan-Indonesia-2021-2025.aspx
  30. Okamoto, S. & Komamura, K. (2021). Age, Gender, and Financial Literacy in Japan. Plos One, 16(11), 1-20. https://doi.org/10.1371/journal.pone.0259393
  31. Otoritas Jasa Keuangan (OJK) Indonesia. (2022). Siaran Pers Survei Nasional Literasi Dan Inklusi Keuangan Tahun 2022. Otoritas Jasa Keuangan (OJK), November, 10–12.
  32. Paramitalaksmi, R., Astuti, W., & Aviva, H. D. (2022). The Influence of Financial Literacy and Lifestyle Against Consumptive Behavior of Generation Z during the Covid-19 Pandemic. Ilomata International Journal of Social Science, 3(4), 418–428. https://doi.org/10.52728/ijss.v3i4.589
  33. Prado, S. M. M., Chiluiza, K., Everaert, P., & Valcke, M. (2022). Design and Evaluation among Young Adults of a Financial Literacy Scale Focused on Key Financial Decisions. Education Sciences, 12(7), 460. https://doi.org/10.3390/educsci12070460
  34. Priadana, H. M. S., & Sunarsi, D. (2021). Metode Penelitian Kuantitatif. In Pascal Books.
  35. Qurotaa’yun, Z., & Krisnawati, A. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Milenial Di Kota Bandung. JAF- Journal of Accounting and Finance, 3(1), 46. https://doi.org/10.25124/jaf.v3i1.2167
  36. Rahmatika, A. F., & Kusmaryani, R. E. (2020). Relationship between Conformity and Consumptive Behavior in Female Adolescents. Humaniora, 11(3), 177–182. https://doi.org/10.21512/humaniora.v11i3.6567
  37. Razen, M., Huber, J., Hueber, L., Kirchler, M., & Stefan, M. (2021). Financial literacy, economic preferences, and adolescents’ field behavior. Finance Research Letters, 40(July 2020). https://doi.org/10.1016/j.frl.2020.101728
  38. Riskayanti. (2021). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Milenial Mahasiswa Program Studi Manajemen Iniversitas Muhammadiyah Makassar [Universitas Muhammadiyah makassar]. https://digilib.unismuh.ac.id/dokumen/detail/19724/
  39. Rohana, F. S. (2017). Pengaruh Literasi Keuangan, Gaya Hidup, Dan Religiusitas Terhadap Perilaku Konsumtif (Studi Kasus Pondok Pesantren Al-Munawwir Komplek R2) (Doctoral dissertation, UIN SUNAN KALIJAGA YOGYAKARTA).
  40. Sahabuddin, Z. A. & Hadianto, B. (2023). Gender, Financial Literacy, and Financial Behavior Among Students. Humanities and Social Sciences Letters, 11(2), 203-212. https://doi.org/ 10.18488/73.v11i2.3367
  41. Sugiharti, H., & Maula, K. A. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa. Accounthink: Journal of Accounting and Finance, 4(2), 804–818. https://doi.org/10.35706/acc.v4i2.2208
  42. Suparmin, A. (2019). MANAJEMEN RESIKO DALAM PERSPEKTIF ISLAM. El-Arbah: Jurnal Ekonomi, Bisnis dan Perbankan Syariah, 2(02), 27–47. https://doi.org/10.34005/elarbah.v2i02.551
  43. Susanti, S. D. (2023). OJK Targetkan Indeks Literasi Keuangan Naik Jadi 70 Persen. Antara.
  44. Sustiyo, J. (2020). Apakah literasi keuangan memengaruhi perilaku konsumsi generasi Z? Imanensi: Jurnal Ekonomi, Manajemen, dan Akuntansi Islam, 5(1), 25–34. https://doi.org/10.34202/imanensi.5.1.2020.25-34
  45. Wardani, E. W., Susilaningsih, & Sangka, K. B. (2017). Faktor-faktor yang mempegaruhi literasi keuangan mahasiswa program studi pendidikan akuntansi fakultas keguruan dan ilmu pendidikan universitas sebelas maret. Jurnal “Tata Arta” UNS, 3(3), 80–93. https://jurnal.fkip.uns.ac.id/index.php/tataarta/article/view/11536
  46. Younas, W., Javed, T., Kalimuthu, K. R., Farooq, M., Rehman, F. K. U., & Raju, V. (2019). Impact of Self-Control, Financial Literacy and Financial Behavior on Financial Well-Being. The Journal of Social Sciences Research, 5(51), 211–218. https://doi.org/10.32861/jssr.51.211.218
  47. Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal, Barometer Riset Akuntansi dan Manajemen, 6(1). https://doi.org/10.21831/nominal.v6i1.14330
  48. Zahra, D. R., & Anoraga, P. (2021). The Influence of Lifestyle, Financial Literacy, and Social Demographics on Consumptive Behavior. Journal of Asian Finance, Economics and Business, 8(2), 1033–1041. https://doi.org/https://doi.org/10.13106/jafeb.2021.vol8.no2.1033