PENGARUH LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA PENDIDIKAN EKONOMI ANGKATAN 2022 UNIVERSITAS LAMPUNG

Dinda Purnama; Rafifa Tu Zakia; Ridho Amanda Saputra; Rahmawati; Suroto; Ine Zulfika Restu

doi:10.36989/didaktik.v11i03.7496

Dinda Purnama Pendidikan Ekonomi, FKIP, Universitas Lampung
Rafifa Tu Zakia Pendidikan Ekonomi, FKIP, Universitas Lampung
Ridho Amanda Saputra Pendidikan Ekonomi, FKIP, Universitas Lampung
Rahmawati Pendidikan Ekonomi, FKIP, Universitas Lampung
Suroto Pendidikan Ekonomi, FKIP, Universitas Lampung
Ine Zulfika Restu Universitas Lampung

DOI: https://doi.org/10.36989/didaktik.v11i03.7496

Keywords: financial literacy, consumptive behavior

Abstract

ABSTRACT

There are students who have not implemented the desire to shop for goods according to their needs, and there are students who have not been able to manage their finances wisely. This study aims to determine the extent to which financial literacy influences the consumptive behavior of students in the Economics Education Study Program at the University of Lampung, class of 2022. This research is a quantitative study using a descriptive-verificative method with an ex post facto and survey approach. Data were collected through observation, interviews, and questionnaires. The total population consisted of 104 students, with a sample of 83 respondents determined using the Slovin formula. The sampling technique used was probability sampling with simple random sampling. Data analysis included instrument requirement tests consisting of validity and reliability tests, data analysis tests (normality and homogeneity), classical assumption tests (linearity, multicollinearity, autocorrelation, and heteroscedasticity), as well as simple linear regression analysis.The results of the simple linear regression analysis revealed that financial literacy has a significant positive influence on consumptive behavior (t = 2.428; sig = .003), with a coefficient β = 0.359, meaning that every 35.9% increase in financial literacy will reduce consumptive behavior by 35.9%. The coefficient of determination (R Square) was 0.304, indicating that the financial literacy variable has a partial influence on consumptive behavior by 30.4%, while the remaining 69.6% is influenced by other variables not examined in this study. This research recommends the importance of strengthening financial literacy as a means to control students’ consumptive behavior.

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