The Influence of Financial Literacy, Amount of Pocket Money, and Life Style on Student Consumption Behavior STKIP PGRI Nganjuk Economics Education
Abstrak
Purpose: Most economic education students at STKIP PGRI Nganjuk feel that the large selection of products when shopping online makes them monitor the product they will buy every day. If they don't buy the item they have seen in the online shop, there will be a feeling of regret, so they decide to buy the item even though not a need at that time. Therefore, research was conducted on financial literacy, amount of pocket money, and lifestyle on the consumption behavior of STKIP PGRI Nganjuk economics students. This study aimed to analyze the effect of financial literacy, amount of pocket money, and lifestyle on the consumption behavior of STKIP PGRI Nganjuk economics students.
Design/methodology/approach: This study uses a quantitative approach to the explanatory method. This research was conducted in the economic education study program STKIP PGRI Nganjuk with a population of 275 students from semesters 1, 3, 5, and 7, while the sample in this study was 163 students who were calculated using the slovin formula with proportional sampling technique. The data analysis used is Multiple Linear Regression Analysis with the help of SPSS 26.
Findings: The results of the analysis in this study show that: 1) Financial literacy affects consumer behavior, 2) The amount of pocket money affects consumer behavior, 3) Lifestyle influences consumer behavior, 4) Financial literacy, amount of pocket money, and lifestyle significantly affect the consumption behavior of STKIP PGRI Nganjuk Economic Education.
Practical implications: The benefits of research results can be input for economic education students, further researchers, Universitas Negeri Malang campus, and the reader.
Paper type: Research paper
##plugins.generic.usageStats.downloads##
Referensi
Abad-Segura, E., & González-Zamar, M. D. (2019). Effects of financial education and financial literacy on creative entrepreneurship: A worldwide research. Education Sciences, 9(3). https://doi.org/10.3390/educsci9030238
Adiwinata, N. N., Sumarwan, U., & Simanjuntak, M. (2021). Faktor-Faktor Yang Memengaruhi Perilaku Konsumsi Kopi Di Era Pandemi COVID-19 Factors Affecting Coffee Consumption Behavior in Covid-19 Era Abstract. Jurnal Ilmu Keluarga Dan Konsumen, 14(2), 189–202.
Agusti, I. S. (2019). Pengaruh Literasi Ekonomi Dan Modernitas Terhadap Perilaku Konsumtif Mahasiswa. Niagawan, 8(2), 102. https://doi.org/10.24114/niaga.v8i2.14258
Agustina, R., Zainudin, M., & Mujahidin, A. (2020). Pengaruh Literasi Ekonomi Dan Tingkat Pendapatan Orang Tua Terhadap Perilaku Konsumtif Siswa. Jurnal Pendidikan Edutama, 1, 1–11.
Aisyah, N., Said, M. I., Hasan, M., Inanna, & Tahir, T. (2022). Pengaruh Literasi Ekonomi, Gaya Hidup, Dan Faktor Psikologi Terhadap Perilaku Konsumtif Guru Sekolah Dasar Pada Produk …. Intelektiva, 3(7), 59–78. https://jurnalintelektiva.com/index.php/jurnal/article/view/722%0Ahttps://jurnalintelektiva.com/index.php/jurnal/article/download/722/546
Akbar, W., Tarantang, J., & Sa’diah, M. (2022). Study of Students’Consumption Behavior in the Purchase of Fashion Products in the City of Palangka Raya Islamic Economic Perspective. Jurnal Riset Rumpun Ilmu Ekonomi, 1(1), 74–79.
Al-Bahrani, A., Weathers, J., & Patel, D. (2019). Racial Differences in the Returns to Financial Literacy Education. Journal of Consumer Affairs, 53(2), 572–599. https://doi.org/10.1111/joca.12205
Alamanda, Y. (2018). Pengaruh Harga Diri dan Gaya Hidup Terhadap Perilaku Konsumtif. Psikoborneo: Jurnal Ilmiah Psikologi, 6(2), 273–279. https://doi.org/10.30872/psikoborneo.v6i2.4570
Alfilail, S. N., & Vhalery, R. (2020). Pengaruh Self-Esteem Dan Self-Awareness Terhadap Pengelolaan Uang Saku. Research and Development Journal of Education, 6(2), 38. https://doi.org/10.30998/rdje.v6i2.6242
Amalia, F., & Pratiwi, I. E. (2022). Determinan Literasi Ekonomi pada Mahasiswa Program Studi Ekonomi Pembangunan UIN Syarif Hidayatullah Jakarta. Ekuitas: Jurnal Pendidikan Ekonomi, 10(1), 91–99.
Amin, A. M., & Yanti, R. F. (2021). Pengaruh Brand Ambassador, E-WOM, Gaya Hidup, Country Of Origin dan Motivasi Terhadap Keputusan Pembelian Produk Skincare Korea Nature Republic. INVEST : Jurnal Inovasi Bisnis Dan Akuntansi, 2(1), 1–14. https://doi.org/10.55583/invest.v2i1.111
Andini, A., Hendi, A. J., Maharani, I., Ruku, K. S. V., Purba, T. A. S., & Wijayanti, S. H. (2021). Pengaruh Pandemi Covid-19 Terhadap Pengeluaran Bulanan Mahasiswa di Jakarta. Kinerja, 18(02), 314–321.
Anggari, A. N., & Dewanti, P. W. (2021). the Effect of Locus of External Internal Control, Financial Attitude, Pocket Money and Lifestyle on the Use of E-Money. Nominal: Barometer Riset Akuntansi Dan Manajemen, 10(2), 253–270. https://doi.org/10.21831/nominal.v10i2.41429
Ardianti, R., & Megasari, R. (2021). Pengaruh Intensitas Informasi Teman Sebaya, Literasi Ekonomi, dan Kontrol Diri Terhadap Pembelian Impulsif Pada genbi Universitas Negeri Malang periode 2020-2021. JUrnal Ekonomi, Bisnis, Dan Manajemen, 1(8), 763–775. https://doi.org/10.17977/um066v1i82021p763-775
Armelia, Y., & Irianto, A. (2021). Pengaruh Uang Saku Dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Ecogen, 4(3), 418. https://doi.org/10.24036/jmpe.v4i3.11509
Astuti, R., & Hasbi, M. (2020). Pengaruh Gaya Hidup Dan Word of Mouth Terhadap Keputusan Pembelian Sepeda Pada Situasi Covid 19 Di Kota Medan. Jurnal Ecodemica: Jurnal Ekonomi, Manajemen, Dan Bisnis, 127–135. http://jurnal.pancabudi.ac.id/index.php/scenario/article/view/1170
Avida, F. K., & Rokhmani, L. (2021). Pengaruh literasi ekonomi, status sosial ekonomi orang tua dan gaya hidup terhadap perilaku konsumsi mahasiswa pendidikan ekonomi angkatan 2019 Universitas Negeri Malang. Prosiding Seminar Nasional Ekonomi Pembangunan, 1(6), 687–693.
Ayuningsih, S., & Setiyo Nugroho, P. (2021). Korelasi Frekuensi Makan dan Jumlah Uang Saku Terhadap Gizi Kurang Pada Remaja di SMPN 8 Samarinda. Borneo Student Research, 2(2), 1123–1130. https://journals.umkt.ac.id/index.php/bsr/article/view/1790
Bottazzi, L., & Lusardi, A. (2020). Stereotypes in Financial Literacy: Evidence from PISA. NBER Working Paper, 2507(1), 1–9. https://doi.org/10.1016/j.solener.2019.02.027%0Ahttps://www.golder.com/insights/block-caving-a-viable-alternative/%0A???
Buana, S., & Patrisia, D. (2021). The Influence of Financial Literacy, Financial Self Efficacy, and Social Economic Status on Financial Management Behavior on Students of the Faculty of Economics, Padang State University. Financial Management Studies, 1(2), 71–80. https://doi.org/10.24036/jkmb.xxxxxxxx
Bucher-Koenen, T., Alessie, R., Lusardi, A., & van Rooij, M. (2021). Fearless Woman: Financial Literacy and Stock Market Participation. NBER Working Paper. https://doi.org/10.2139/ssrn.3805715
Budiyanti, H. S., Indriayu, M., & Sabandi, M. (2017). Pengaruh Lingkungan Sosial dan Gaya Hidup Terhadap Perilaku Konsumsi Mahasiswa Program Studi Pendidikan Ekonomi FKIP UNS. Jurnal Pendidikan Bisnis Dan Ekonomi, 3(2).
Cahyasari., E. (2019). Perilaku Konsumtif, Literasi Keuangan Dan Gaya Hidup Ibu Rumah Tangga. Jurnal UKSW, 1(2), 6.
Choirunnisa, D. (2021). Perilaku Pembelian Impulsif: Seberapa Besar Peran Gaya Hidup dan Literasi Ekonomi ? Jurnal Pendidikan Ekonomi, 14(1), 61–70. http://journal2.um.ac.id/index.php/jpe/index
Chuk, T., Afin, R., & Idialis, A. R. (2022). Analysis of Growth and Tourism Clusters in Madura. Jurnal Ekonomi Dan Studi Pembangunan, 14(1), 59–71.
C. Mowen, John dan Michael Minor. 2002. Perilaku Konsumen. Jakarta : Erlangga.
Dewi, M. A. (2022). The Influence of Parents ’ Socio-Economic Status and Student Learning Outcomes on Students ’ Economic Literacy Level. Economics And Business Management Journal ( EBMJ, 1(1), 1–7.
Drifanda. (2018). Pengaruh Literasi Ekonomi dan Teman Sebaya Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Universitas PGRI Semarang. Jurnal Ilmiah Pendidikan Ekonomi, 3(2), 45–48.
Fajriyah, I. L., & Listiadi, A. (2021). Pengaruh uang saku dan pendidikan keuangan keluarga terhadap pengelolaan keuangan pribadi melalui literasi keuangan sebagai intervening. INOVASI, Jurnal Ekonomi Keuangan Dan Manajemen, 17(1), 61–72. http://journal.feb.unmul.ac.id/index.php/INOVASI/article/view/9176
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
Fauzziyah, N., & Widayati, S. (2020). Pengaruh Besaran Uang Saku dan Lingkungan Teman Sebaya terhadap Perilaku Konsumtif Mahasiswa Fakultas Keguruan Ilmu Pendidikan Universitas Ivet. Journal of Economic Education and Entrepreneurship, 1(1), 24. https://doi.org/10.31331/jeee.v1i1.1224
Febriana, K. W. (2021). Pengaruh brand ambassador dan tagline terhadap brand Awareness: Studi pada Tokopedia Indonesia. http://etheses.uin-malang.ac.id/31715/%0Ahttp://etheses.uin-malang.ac.id/31715/2/17510064.pdf
Fikry Januar, M., & Gaffar, V. (2022). The influence of demography and psychography as market segmentation variables toward customer’s purchase decision: a case study at toserba Yogya Majalengka. Jurnal Investasi, 8(1), 1–9.
Goyal, K., & Kumar, S. (2021). Financial literacy: A systematic review and bibliometric analysis. International Journal of Consumer Studies, 45(1), 80–105. https://doi.org/10.1111/ijcs.12605
Hanifah, A. N., Utomo, S. W., & Wihartanti, L. V. (2022). Implementasi Manajemen Keuangan dalam Pengelolaan Uang Saku sebagai Penunjang Hasil Belajar Siswa ( Studi Kasus di SMP Tahfidz Ibnu Batutah ). Jurnal Pendidikan Dan Kewirausahaan, 10(3), 853–863.
Hanum, Z., & Hidayat, S. (2017). Faktor – faktor yang mempengaruhi perilaku konsumen dalam keputusan pembelian sepatu merek nike di kota Medan. Jurnal Bisnis Administrasi, 06(01), 37–43.
Hastuti, S., Padmawati, M. Y., & Harsono. (2019). Literasi Ekonomi dan Gaya Hidup Mahasiswa. Seminar Nasional Pendidikan Pengembangan Kualitas Pembelajaran Era Generasi Milenial 2019, 86–91.
Hiyanti, S. (2022). Pengaruh Gaya Hidup dan Pengetahuan Terhadap Keputusan Pembelian Produk Ramah Lingkungan di Kota Medan. Juripol (Jurnal Institusi Politeknik Ganesha Medan), 5(1), 67–77.
Iryani, R. M., & Kristanto, R. S. (2022). Pengaruh Pengetahuan Tentang Bank Syariah, Religiusitas, Lingkungan Sosial, Dan Uang Saku Terhadap Minat Menabung Mahasiswa Di Bank Syariah (Studi Kasus pada Mahasiswa STIE Bank BPD Jateng). Magisma: Jurnal Ilmiah Ekonomi Dan Bisnis, 10(2), 191–202. https://doi.org/10.35829/magisma.v10i2.228
Isnaeni, S., Yuniastuti, A., & Handayani, O. W. K. (2022). Pengetahuan, Uang Saku dan Peranan Media terhadap Kejadian Kekurangan Energi Kronis (KEK). Jurnal Keperawatan Silampari, 5(2), 893–900. https://doi.org/10.31539/jks.v5i2.3561
Jannah, R. (2019). Pengaruh Literasi Ekonomi dan Gaya Hidup terhadap Perilaku Konsumtif Mahasiswa Jurusan Pendidikan Ekonomi UNESA. Jurnal Pendidikan, Ekonomi, Dan Manajemen, 3(1), 1–14. https://doi.org/10.30599/utility.v3i1.520
Karginova-Gubinova, V., Volkov, A., Tishkov, S., & Shcherbak, A. (2021). The impact of economic interests on eco-consumption: the case of the Russian Arctic Zone of Karelia. Entrepreneurship and Sustainability Issues, 8(4), 68–84. https://doi.org/10.9770/jesi.2021.8.4(4)
Khasan, U. (2018). Analisis Faktor-faktor yang Mempengaruhi Perilaku Konsumen dalam Pengambilan Keputusan Pembelian White Coffe. Cakrawala, 12(2), 157–161. https://doi.org/10.32781/cakrawala.v12i2.271
Kotler, Philip dan Garry Amstrong. (2008). Prinsip – Prinsip Pemasaran. Edisi 12, Jilid 1. Erlangga,Jakarta.
Kotler, Phillip dan Kevin Lane Keller.(2016). Manajemen Pemasaran edisi 12 Jilid 1 & 2.Jakarta: PT. Indeks.
Kripalani, M. G., Kaur, I., & Panda, A. (2020). Relationship Between Pocket Money Trend And Dental Caries. European Journal of Molecular & Clinical Medicine, 07(10), 3173–3178.
##submission.copyrightStatement##
##submission.license.cc.by-sa4.footer##
