Pengaruh Literasi Ekonomi Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Akuntansi

Abstract

This study analyzes the effect of economic literacy on student consumptive behavior, using a quantitative research approach with survey methods. The research data was collected by distributing questionnaires, the research respondents were 70 undergraduate students of the accounting education study program who were drawn by purposive sampling, and the analysis of research data used simple regression with prerequisite tests for data normality and linearity analysis. The results of the study revealed that the level of economic literacy of students was quite diverse, but around 54% were at a moderate literacy level. Student consumptive behavior tends to be moderate, namely around 60% of the respondents. The results of the hypothesis test reveal that economic literacy has a negative influence on student consumptive behavior. This indicates that students have self-awareness of the ability to buy a product, buy products according to their needs, and can manage personal finances to save.

Sosialisasi Literasi Keuangan Dan Pentingnya Investasi Emas Kepada Ibu Rumah Tangga

“…Munculnya masalah tersebut dikarenakan terbatasnya (kelangkaan) sumber daya sedangkan kebutuhan manusia tidak terbatas (Murniatiningsih, 2017). Perilaku konsumtif pada remaja dan orang dewasa saat ini semakin memburuk (Imawati & Ivada, 2013). Kebanyakan masyarakat negara berkembang termasuk Indonesia tidak terlalu memperhatikan masa depan, mereka berlomba -lomba untuk memenuhi keinginan daripada kebutuhan dengan melampaui batasan kebutuhan dalam memenuhi kebutuhan hidup (Nugraha et al, 2021) agar dipandang orang lain sebagai orang kaya dan modern.…”

Financial Literasi pada Perilaku Konsumtif pada Generasi Z

“…Penelitian oleh Imawati & Ivada (2013) menunjukkan bahwa literasi keuangan berhubungan dengan perilaku konsumtif remaja, di mana peningkatan literasi keuangan dapat mengurangi perilaku konsumtif. Fattah (2018) juga menemukan hasil yang serupa, menunjukkan bahwa peningkatan literasi keuangan dapat menurunkan perilaku konsumtif remaja.…”

The Influence of Financial Literacy on Consumptive Behavior Among High School Students in Jakarta

“…A strong foundation in financial literacy equips individuals with the ability to manage their funds wisely (Imawati et al, 2013), enabling them to have greater opportunity to attain a higher standard of living and achieve financial freedom (Dwiastanti, 2015;Rasyid, 2012). In contrast, those with low financial literacy find themselves caught in excessive and unnecessary spending habits.…”