Pengaruh Gaya Hidup Dan Literasi Keuangan  Terhadap Perilaku Konsumtif Berbelanja Online  Pada Ibu Rumah Tangga Di Kecamatan Lubuk Begalung  Kota Padang

Wahyuni, Rika; Irfani, Hadi; Syahrina, Isna Asyri; Mariana, Rina

doi:10.22216/jbe.v4i3.4194

Cited by 38 publications

(52 citation statements)

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“…Dengan teknologi mahasiswa tidak lagi harus keluar rumah untuk membeli produk yang diinginkan, cukup membuka smarphone produk yang diinginkan akan muncul. Pembayaran produkpun tak perlu untu pergi ke ATM, cukup dengan membayar melalui elektronic money atau sering disebut E-Money (Wahyuni, Irfani, Syahrina, & Mariana, 2019).…”

Section: Gambar 1 Indeks Literasi Keuangan Danunclassified

Determinan Perilaku Konsumtif Mahasiswa

Yahya

2021

J. pengemb. n.a.

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Perilaku konsumtif mahasiswa dipengaruhi oleh beberapa faktor antara lain literasi keuangan, gaya hidup hedonis, dan uang elektronik. Tingkat literasi keuangan yang tinggi akan menurunkan perilaku konsumtif seseorang jika diterapkan dalam kehidupan sehari-hari. Gaya hidup hedonis yang lebih mementingkan kesenangan pribadi dan penggunaan uang elektronik akibat perkembangan teknologi berpengaruh terhadap tindakan seseorang dalam perilaku konsumen. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, gaya hidup hedonis, dan uang elektronik terhadap perilaku konsumtif. Populasi yang digunakan adalah seluruh mahasiswa Program Diploma Akuntansi Universitas Pelita Bangsa yang berjumlah 420 responden, dan teknik pengambilan sampel menggunakan purposive sampling maka sampel dalam penelitian ini sebanyak 50 responden. Penelitian analisis regresi berganda digunakan dalam penelitian ini. Hasil penelitian menyatakan bahwa literasi keuangan dan uang elektronik tidak berpengaruh terhadap perilaku konsumtif, namun gaya hidup hedonis mempengaruhi perilaku konsumtif Kata kunci:Literasi keuangan; gaya hidup hedonis; uang elektronik; perilaku konsumtif.

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Section: Gambar 1 Indeks Literasi Keuangan Danunclassified

Determinan Perilaku Konsumtif Mahasiswa

Yahya

2021

J. pengemb. n.a.

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“…Menurut (Ansong & Gyensare, 2012), literasi keuangan merupakan pengetahuan dan keterampilan seseorang dan memungkinkan seseorang untuk mengambil keputusan yang benar dan efektif. Literasi keuangan dapat menghindarkan seseorang dari permasalahan keuangan (Silalahi, 2020) dan (Wijayanti et al, 2016), karena masalah keuangan tidak hanya timbul akibat dari pendapatan yang rendah, namun juga berdasarkan kemampuan seseorang dalam mengelola keuangan (Wahyuni et al, 2019).…”

Section: Pendahuluanunclassified

“…Oleh karena itu, manusia harus lebih bijak dalam memutuskan pembelian barang sesuai kebutuhan agar tidak terjadi pemborosan. Penelitian (Wahyuni et al, 2019) menunjukkan hasil terdapat pengaruh signifikan literasi keuangan terhadap perilaku konsumtif berbelanja online.…”

Section: Pengaruh Literasi Keuangan Kepercayaan Dan Keamanan Pembayaran Terhadap Keputusan Pembelian DIunclassified

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Pengaruh Literasi Keuangan, Kepercayaan, Dan Keamanan Pembayaran Terhadap Keputusan Pembelian Di Marketplace

Aini¹,

Susanti²

2021

EEB

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The main objective of this research is to determine the effect of financial literacy, trust, and payment security on purchasing decisions in the marketplace. The approach used is quantitative and uses the causal associative method. The study population was students of Surabaya State University Accounting Education and for sampling used saturated sampling technique, where all members of the population who have made purchases in the marketplace are used as samples. Data were collected through tests and questionnaires which were then tested using multiple linear regression analysis techniques. The results showed that each independent variable had a partial and significant effect on the dependent variable because the results t count> t table, and the significance value showed the results below 0.05. The variables of financial literacy, trust, and payment security also simultaneously and significantly influence purchasing decisions in the marketplace with the results of F count (43.344)> F table (2.680) and a significance value of 0.00 <0.05. The result of the coefficient of determination (R2) shows the number 0.512, which means that the influence of financial literacy, trust, and payment security variables is 51.2% and the remaining 48.8% is influenced by other factors.

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“…Source: data based on Ipsos,2020 (Ipsos, 2020) That Indonesia is still in a low financial literacy index, although every year it has increased but is still in the category of low literacy (OJK, 2019). Low financial literacy will have an impact on a higher level of consumption (Wahyuni et al, 2019), the low saving ratio (Servon & Kaestner, 2008), low level of investment, people are prone to fraud, and high levels of corruption (Drew & Cross, 2016). Of course, this must be overcome to welcome the era of society 5.0 in Indonesia.…”

Section: Figure 2 E-wallet Data Users In Indonesiamentioning

confidence: 99%

Improving Financial Literacy in Facing the Era of Society 5.0

Nurlaili¹,

Faqih

Basri³

et al. 2021

IJIE

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Industrial era 4.0 presents the development of digitalization that continues to grow, such as digitizing payment transactions, namely e-wallet. However, there are shortcomings that can be corrected to face society 5.0 in Indonesia and also the balance between financial literacy and e-wallet users who are growing so that there is no consumptive society and fraud. The purpose of this paper is to provide suggestions or recommendations for the government and stakeholders to carry out policies to increase the level of financial literacy in Indonesia, this research method is library research by collecting related information and data from various valid sources. The results of this paper provide suggestions for the government to actively campaign for financial literacy in various public media, provide a mandatory policy to provide education to financial service providers, and as university academics or educators provide a curriculum on financial literacy. So that when Indonesia enters the era of society 5.0, it is ready in terms of digitizing payment transactions and literacy.

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Pengaruh Gaya Hidup Dan Literasi Keuangan Terhadap Perilaku Konsumtif Berbelanja Online Pada Ibu Rumah Tangga Di Kecamatan Lubuk Begalung Kota Padang

Cited by 38 publications

References 0 publications

Determinan Perilaku Konsumtif Mahasiswa

Determinan Perilaku Konsumtif Mahasiswa

Pengaruh Literasi Keuangan, Kepercayaan, Dan Keamanan Pembayaran Terhadap Keputusan Pembelian Di Marketplace

Improving Financial Literacy in Facing the Era of Society 5.0

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