The Influence of Financial Literacy, Lifestyle and Financial Planning on Consumptive Behavior In Millennials and Generation Z
Abstract
This research aims to examine the influence of financial literacy, lifestyle, and financial planning on consumptive behavior in the millennial and Generation Z. The instruments in this study have passed validity and reliability tests, where these instruments are used as data collection tools. The number of respondents involved in this research is 95 people, dominated by [insert information about the dominant group]. Data collection technique uses random sampling, which falls under probability sampling. The data analysis technique used is descriptive analysis and regression analysis with the assistance of SPSS version 26. Out of the four hypotheses in this research, all are supported by empirical data. The findings of this research explain that financial literacy, and financial planning not influence on consumptive behavior in the millennial and Generation Z. Meanwhile lifestyle have an impact on consumptive behavior in the millennial and Generation Z. What sets this research apart from previous studies is the use of the evaluated objects, which influences the design of specific and unique research instruments. This research conducts descriptive hypothesis testing that was not present in previous studies. Meanwhile, the sample size, sample determination technique, and data analysis technique can be adjusted by future researchers based on the evaluated objects. The results of this research are also beneficial for the managers of the evaluated objects concerning the design of relevant strategies or programs to improve the quality attributes of the evaluated objects.
Downloads
References
Dilasari, D., Mulyati, S., & Kurniawan, A. (2021). Pengaruh Financial Literacy, Life Style, Locus Of Control Dan Demografi Terhadap Perilaku Konsumtif Generasi Milenial Di Kota Subang. Jass (Journal Of Accounting For Sustainable Society). Vol. 02 No. 02 Tahun 2020 Hal 56-77. Https://Doi.Org/10.35310/Jass.V2i02.671
Dwikristanto, Y. P., Soesanto, R. H., & Napitupulu, B. W. (2023). Edukasi Pemanfaatan Media Serta Teknologi Dalam Mendukung Pembelajaran Siswa Sekolah Kristen Makarios. JURNAL PKM ILMU KEPENDIDIKAN. Vol. 6 No. 1 tahun 2023. Https://Doi.Org/10.31851/Dedikasi.V6i1.11768
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.
Gayatri, M., & Askardiya. (2022). Memahami Literasi Keuangan Sebagai Upaya Pencegahan Perilaku Konsumtif Dari Pinjaman Online. https://doi.org/10.37010/jdc.v3i2
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. Ketut Sudarma / Journal of Economic Education, Vol. 8(1), Hal 67–74. http://journal.unnes.ac.id/sju/index.php/jeec
Hidayanti, F., Tubastuvi, N., Purwidianti, W., & Endratno, H. (2023). The Influence Of Financial Literacy, Lifestyle, Self-Control, And Peer Conformity On Student’s Consumptive Behavior. International Journal of Economics, Business and Accounting Research (IJEBAR). Vol-7, Issue-1, 2023.
Hidayat, S. (2020). Literasi Keuangan Untuk Pengelolaan Keuangan Pribadi. Jurnal Ekonomi, Keuangan, Investasi, dan Syariah (Ekuitas). Vol. 1 No. 2. https://slideplayer.info/slide/1972619/
Jurnal, L., Dwi A, M., & Asandimitra, N. (2023). Pengaruh Financial Literacy, Lifestyle, Konformitas, Money Attitude, Dan E-Money Terhadap Perilaku Konsumtif Generasi Z Penggemar K Pop. Jurnal Ilmu Manajemen. Vol. 11 No. 3 Halaman 550-564.
Maharani, F. A., Saptono, A., Negeri, U., & Suparno, J. (2023). The Influence Of Financial Literacy And The Effectiveness Of Use Of Electronic Money On Consumptive Behavior Of Students Of The Faculty Of Economics, Jakarta State University. In International Journal Of Current Economics & Business Ventures. Vol. 3, No. 2. https://scholarsnetwork.org/journal/index.php/ijeb
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 (JREA). Vol. 1 No. 1 Maret 2023. E-ISSN: 2985-7651
Mubarokah, M. S., & Pratiwi, V. (2022.). Pengaruh E-Commerce, Uang Saku, Dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Di Masa Pandemi Covid-19. Jurnal Ekonomi Dan Bisnis. Vol. 11 No. 04 april 2022. Https://Ojs.Unud.Ac.Id/Index.Php/Eeb/Index
Ngampus, W., Telagawathi, N, L , W, S., & Yugiaatmaja, F. (2023). Pengaruh Literasi Keuangan, Gaya Hidup Dan Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Generasi Milenial Kota Denpasar. Jurnal Manajemen. Vol. 10 No. 03.
Nurhayati, D., Laisoka, D., Ratnawati, T., & Hwihanus (2023). Pengaruh Literasi Keuangan Dan Penghasilan Terhadap Gaya Hidup Di Era Milenial. Jurnal Manajemen. Vol 3 No 5 Tahun 2023 Hal 1-14. Prefix DOI : 10.8734/mnmae.v1i2.359
Palesta, P, K., & Paramitha, V, S. (2024). The Influence Of Financial Technology, Financial Literacy, And Risk Perception On Mutual Fund Investment Decisions In Generation Z In Jawa Barat. International Journal Of Science, Technology & Management. Vol. 05 No. 01 Hal 135-145. Http://Ijstm.Inarah.Co.Id
Perdana Oskar, D., Wenda Prinoya, R., Novita, W., & Johan, H. (2022). E-Commerce, Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Berbelanja Online Melalui Platform Tiktok. Jurnal Ekobistek. Vol. 11 No. 04 Hal: 442–447. Https://Doi.Org/10.35134/Ekobistek.V11i4.434
Pratiwi, R. P., & Susanti, A. (2022). Menguji Literasi Keuangan, Gaya Hidup Dan Pengendalian Diri Terhadap Perilaku Konsumtif Millenial Pengguna Go-Jek Sukoharjo. Jurnal Lentera Bisnis. Vol 11, No. 1 Tahun 2022, 61. Https://Doi.Org/10.34127/Jrlab.V11i1.502
Prihastuty, D, R., & Rahayuningsih, S. (2018). Pengaruh Financial Literacy, Financial Behavior, Financial Attitude, Dan Demografi Terhadap Perilaku Konsumtif ( Studi Pada Mahasiswa Strata I Fakultas Ekonomi. Jurnal Hasil Penelitian LPPM Untag Surabaya September 2018, Vol. 03, No. 02, hal 121 – 134. jurnal.untag-sby.ac.id/index.php/jhp17
Rakhman, Y. A., & Pertiwi, T. K. (2023). Literasi Keuangan, Penggunaan E-Money, Kontrol Diri, dan Gaya Hidup Terhadap Perilaku Konsumtif Belanja Online. Journal of Management and Bussines (JOMB), Vol. 5 No. 1, Hal 560–575. https://doi.org/10.31539/jomb.v5i1.6701
Rismayanti, T., & Oktapiani, S. (2020). Pengaruh Uang Saku dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Teknologi Sumbawa. Journal of Economic (NJE). Vol. 02 No. 02 Desember 2020 Hal 31-36s.
Rosdiana, R. (2020). Analysis Of Investment Interests, Motivation, Social Environment, Financial Literacy (Comparative Study Of Generation Z And Millennial Generation). International Journal Of Business, Economics And Law, Vol. 22, No. 1 Agustus.
Rosmayanti & Salam. (2022). Pengaruh Literasi Keuangan, Sikap Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif. Jurnal Ekonomi Dan Bisnis. Vol. 01 No. 04 Agustus 2023.
Sari, M, M., Nengsih, T, A., & Syahrizal, A. (2023). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Peilaku Konsumtif Mahasiswa Manajemen Keuangan Syariah Angkatan 2018-2019. Journal Of Creative Student Research (JCSR). Vo 01 No. 02 April 2023.
Sazali, H., & Rozi, F. (2020). Belanja Online Dan Jebakan Budaya Hidup Digital Pada Masyarakat Milenial. JURNAL SIMBOLIKA: Research And Learning In Communication Study, Vol. 6 No. 2, Hal 85–95. Https://Doi.Org/10.31289/Simbollika.V6i2.3556
Sibanda, W., Patena, W., Cwynar, W., & Cwynar, A. (2020). Young Adults’ Financial Literacy And Overconfidence Bias In Debt Markets. International Journal Of Business Performance Management, Vol. 21, No. 1/2, Hal 95-113. Https://Doi.Org/10.1504/Ijbpm.2020.10027635
Sopiansyah, S. (2022). Analisis Literasi Keuangan Terhadap Perilaku Konsumtif Pada Generasi Milenial Mahasiswa Fakultas Ekonomi. Jurnal Ekonomi Dan Bisnis. Vo. 03 No. 02 Hal 41-46.
Sufyati, H., & Alvi. (2022). Pengaruh Literasi Keuangan, Inklusi Keuangan Dan Gaya Hidup Terhadap Perilaku Keuangan Pada Generasi Milenial. Jurnal Multidisiplin Madani, 2(5), 2415–2430. Https://Doi.Org/10.55927/Mudima.V2i5.396
Syafira, I., Fauzi, N., Sulistyowati, A., Ekonomi, F., Bisnis, D., Bhayangkara, U., Raya, J., & Raya Perjuangan, J. (2022). Literasi Keuangan Dan Perilaku Keuangan Berpengaruh Terhadap Perilaku Konsumtif Pada Player Call Of Duty: Mobile. Jurnal Kajian Ilmiah. Vol. 22, No. 02. Http://Ejurnal.Ubharajaya.Ac.Id/Index.Php/JKI
Zahra & Krisnawati. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Milenial
Di Kota Bandung. Journal accounting and finance. Vol. 03 No. 1 Maret 2019 Hal 46-53.
Zis, S. F., Effendi, N., & Roem, E. R. (2021). Perubahan Perilaku Komunikasi Generasi Milenial dan Generasi Z di Era Digital. Satwika : Kajian Ilmu Budaya Dan Perubahan Sosial. Vol. 5 No. 01, Hal 69–87. https://doi.org/10.22219/satwika.v5i1.15550.
Copyright (c) 2024 International Journal of Science, Technology & Management
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.