The Effect of Financial Literacy, Lifestyle and Self-Control on Online Shopping Consumptive Behavior
Pengaruh Literasi Keuangan, Gaya Hidup Dan Kontrol Diri Terhadap Perilaku Konsumtif Belanja Online
Keywords:
financial literacy, lifestyle, self-control, online shopping, consumptive behavior
Abstract
This research aims to examine the influence of financial literacy, lifestyle, and self-control on consumer online shopping behavior among students at the Faculty of Economics and Business, East Java Veteran Development University. The research method used is quantitative. The population in this study consisted of 4231 active students from the Faculty of Economics and Business, Veteran Development University, East Java, using a stratified random sampling technique with the Slovin formula, which produced a sample of 100 respondents. Data collection was carried out through distributing questionnaires, while the data analysis technique used SEM PLS with Smart PLS software. The results of this research show that financial literacy and self-control have a negative and significant effect on the consumptive behavior of students at the economics and business faculty at East Java Veteran Development University. This shows that financial literacy and good self-control will create moderate consumptive behavior. The results of this research also prove that lifestyle has a positive and significant effect on the consumer behavior of students at the Faculty of Economics and Business, East Java Veteran Development University. This shows that a high lifestyle will also create high consumer behavior.
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References
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Arum, D., & Khoirunnisa, R. N. (2021). The Relationship Between Self-Control and Consumptive Behavior in Psychology Students who Use Shopee E-Commerce.
Aulia Sari, R. (2019). The Influence of Brand Minded Lifestyle and Self-Control on Consumptive Behavior in Early Adults. Psychoborneo, 7(1), 37-46.
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Farah, A. (2017). THE EFFECT OF FINANCIAL LITERACY AND SELF-CONTROL ON ONLINE SHOPPING CONSUMTIVE BEHAVIOR WITH LIFESTYLE AS AN INTERVENING VARIABLE (Case Study on Economic Education Students of State University of Semarang Class of 2017).
Hariadi, A. (2021). THE RELATIONSHIP BETWEEN EMOTIONAL STABILITY AND SELF-CONTROL OF JUNIOR HIGH SCHOOL STUDENTS. Journal of Guidance and Counseling Reality, 6.
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Kumalasari, D., & Soesilo, Y. H. (2019). THE INFLUENCE OF FINANCIAL LITERACY, INDIVIDUAL MODERNITY, POCKET MONEY AND SELF-CONTROL ON CONSUMPTIVE BEHAVIOR OF UNDERGRADUATE ECONOMICS EDUCATION STUDENTS CLASS OF 2016, FACULTY OF ECONOMICS, POOR STATE UNIVERSITY. Journal of Economic Education, 12 (1). https://doi.org/10.17977/UM014v12i12019p061
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Nyoman, I., Mulyawan, R., Dartiningsih, W., Made, A., & Mahayani, N. (2022). THE RELATIONSHIP BETWEEN LIFESTYLE AND SELF-CONTROL ON CONSUMPTIVE BEHAVIOR OF STUDENTS DOING ONLINE SHOPPING AT THE GUIDANCE AND COUNSELING STUDY PROGRAM OF PGRI MAHADEWA UNIVERSITY INDONESIA IN 2022. Widyadari Journal of Education, 23. https://doi.org/10.5281/zenodo.7189893
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Putri, N. A., & Lestari, D. (2019). The Effect of Lifestyle and Financial Literacy on Financial Management of Young Workers in Jakarta. https://ejournal.imperiuminstitute.org/index.php/AKURASI
Rahma, S., Bukhari, E., & Prasetyo, E. (2022). THE INFLUENCE OF FINANCIAL LITERACY, INCOME AND LIFESTYLE ON ONLINE SHOPPING CONSUMPTIVE BEHAVIOR DURING THE COVID-19 PANDEMIC. Scientific Journal of Accounting and Management, 18.
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Romadloniyah, A., & Setiaji, K. (2020). The Effect of Parents' Socioeconomic Status, Conformity, and Financial Literacy on Consumptive Behavior in a Gender Perspective. EEAJ, 9(1), 50-64. https://doi.org/10.15294/eeaj.v9i1.37224
Sardiyo, & Martini. (2022). The Effect of Lifestyle and Financial Literacy on Online Shopping Consumptive Behavior. Owner, 6(3), 3158-3168. https://doi.org/10.33395/owner.v6i3.999
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Siallagan, A. M., Ance, O.:, Siallagan, M., Derang, I., Piarni, ), Nazara, G., Santa, S., & Medan, E. (2021). RELATIONSHIP OF SELF-CONTROL WITH CONSUMTIVE BEHAVIOR IN STUDENTS AT STIKes SANTA ELISABETH MEDAN.
Sudiro, P. I., & Asandimitra, N. (2022). Number 1 Department of Management, Faculty of Economics and Business, Surabaya State University 2022. In Journal of Management Science (Vol. 10).
Sufatmi, N., & Purwanto, E. (2021). THE EFFECT OF FINANCIAL LITERATURE, LIFESTYLE, AND SELF-CONTROL ON CONSUMPTION BEHAVIOR ON ONLINE SHOPPING BY STATE STUDENTS OF STATE UNIVERSITIES IN SURABAYA. In Balance: Journal of Economics (Vol. 17).
Sugiharti, H., & Maula, K. A. (2019). THE INFLUENCE OF FINANCIAL LITERACY ON STUDENT FINANCIAL MANAGEMENT BEHAVIOR. In ACCOUNTHINK: Journal of Accounting and Finance (Vol. 4, Issue 02).
Susanti, N., Halin, H., & Kurniawan, M. (2017). INFLUENCE OF MARKETING CHANGES (4P) ON THE PURCHASE DECISION OF PT. BERLIAN BERSAUDARA PROPERTYINDO (Case Study of Taman Arizona 1 Taman Arizona 2 and Taman Arizona 3 Housing in Talang Jambi Palembang). Scientific Journal of Global Economics, 8.
Tribuana, L. (2019). Prisma (Accounting Student Research Platform) INFLUENCE OF FINANCIAL LITERACY, SELF-CONTROL AND HEDONIST CONFORMITY ON THE CONSUMTIFICIAL BEHAVIOR OF STUDENTS. https://ojs.stiesa.ac.id/index.php/prisma
Wahyuni, R., Irfani, H., Syahrina, I. A., & Mariana, R. (2019). THE INFLUENCE OF LIFESTYLE AND FINANCIAL LITERACY ON CONSUMPTIVE ONLINE SHOPPING BEHAVIOR AMONG HOUSEWIVES IN LUBUK BEGALUNG SUB-DISTRICT, PADANG CITY. Benefita Journal, 4(3), 548. https://doi.org/10.22216/jbe.v4i3.4194
Yushita, N. (2017). THE IMPORTANCE OF FINANCIAL LITERACY FOR PERSONAL FINANCIAL MANAGEMENT. THE IMPORTANCE OF FINANCIAL LITERACY FOR PERSONAL FINANCIAL MANAGEMENT, 6.
Ajzen, Icek. (1988). Attitudes, personality, and behavior. Milton Keynes: Open University Press and Chicago, IL: Dorsey Press
Arum, D., & Khoirunnisa, R. N. (2021). The Relationship Between Self-Control and Consumptive Behavior in Psychology Students who Use Shopee E-Commerce.
Aulia Sari, R. (2019). The Influence of Brand Minded Lifestyle and Self-Control on Consumptive Behavior in Early Adults. Psychoborneo, 7(1), 37-46.
Evelyna, F. (2021). Feby Evelyna-Theory of Planned Behavior to Predict Online Ticket Purchase Intention in the Millennial Generation THEORY OF PLANNED BEHAVIOR TO PREDICT ONLINE TICKET PURCHASE INTENTION IN THE MILENIAL GENERATION. VIII(1).
Farah, A. (2017). THE EFFECT OF FINANCIAL LITERACY AND SELF-CONTROL ON ONLINE SHOPPING CONSUMTIVE BEHAVIOR WITH LIFESTYLE AS AN INTERVENING VARIABLE (Case Study on Economic Education Students of State University of Semarang Class of 2017).
Hariadi, A. (2021). THE RELATIONSHIP BETWEEN EMOTIONAL STABILITY AND SELF-CONTROL OF JUNIOR HIGH SCHOOL STUDENTS. Journal of Guidance and Counseling Reality, 6.
Haryana, R. (2020). INFLUENCE OF LIFE STYLE, SELF CONTROL AND FINANCIAL LITERACY ON CONSUMTIFICIAL BEHAVIOR OF STUDENTS DOING ONLINE SHOPPING Ratih Dewi Titisari Haryana. In Equilibrium: Journal of Economics-Management-Accounting (Vol. 16, Issue 1). www.apjii.or.id
iswayanti, agus. (2021). ANALYSIS OF ONLINE SHOPPING LEVELS AMONG GUNADARMA UNIVERSITY STUDENTS. Journal of Research Innovation, 2.
Kumalasari, D., & Soesilo, Y. H. (2019). THE INFLUENCE OF FINANCIAL LITERACY, INDIVIDUAL MODERNITY, POCKET MONEY AND SELF-CONTROL ON CONSUMPTIVE BEHAVIOR OF UNDERGRADUATE ECONOMICS EDUCATION STUDENTS CLASS OF 2016, FACULTY OF ECONOMICS, POOR STATE UNIVERSITY. Journal of Economic Education, 12 (1). https://doi.org/10.17977/UM014v12i12019p061
Listiyani, E., & Aziz, A. (n.d.). ANALYSIS OF THE FINANCIAL PERFORMANCE OF THE MILENIAL GENERATION AT PT. TOYOTA MOTOR MANUFACTURING INDONESIA 1 (Vol. 2).
Nainggolan, H. (2022). THE INFLUENCE OF FINANCIAL LITERACY, SELF-CONTROL, AND THE USE OF E-MONEY ON THE CONSUMPTIVE BEHAVIOR OF PT PERTAMINA BALIKPAPAN PRODUCTION WORKERS. Jesya (Journal of Sharia Economics & Economics), 5(1), 810-826. https://doi.org/10.36778/jesya.v5i1.574
Nurita, D., Rusdarti, & St.Sunarto. (2017). The Influence of Family Environment, Peers, Self-Control and Financial Literacy on Student Consumptive Behavior. Journal of Economic Education, 29-35. https://journal.unnes.ac.id/sju/index.php/jeec
Nursiti, D., Mora Siregar, I., Nurliza Amri, S., Ayu Lestari, S., Psychology Studies Faculty of Pharmacy and Health Sciences, P., Key, K., Self, K., & Counterproductive Work, P. (2021). THE INFLUENCE OF SELF-CONTROL ON COUNTERPRODUCTIVE WORK BEHAVIOR IN EMPLOYEES OF PT. AGRA BUMI NIAGA ACEH.
Nursiti, D., Mora Siregar, I., Nurliza Amri, S., Ayu Lestari, S., Psychology Studies Faculty of Pharmacy and Health Sciences, P., Key, K., Self, K., & Counterproductive Work, P. (2022). THE INFLUENCE OF SELF-CONTROL ON COUNTERPRODUCTIVE WORK BEHAVIOR IN EMPLOYEES OF PT. AGRA BUMI NIAGA ACEH.
Nurulhuda, E. S., & Lutfiati, A. (2020). ANALYSIS OF FACTORS AFFECTING FINANCIAL LITERACY (Case Study of Students of the Faculty of Economics and Business, As-Syafi'iyah Islamic University). In KINERJA Journal of Economics and Business (Vol. 2, Issue 2). www.tirto.id,
Nyoman, I., Mulyawan, R., Dartiningsih, W., Made, A., & Mahayani, N. (2022). THE RELATIONSHIP BETWEEN LIFESTYLE AND SELF-CONTROL ON CONSUMPTIVE BEHAVIOR OF STUDENTS DOING ONLINE SHOPPING AT THE GUIDANCE AND COUNSELING STUDY PROGRAM OF PGRI MAHADEWA UNIVERSITY INDONESIA IN 2022. Widyadari Journal of Education, 23. https://doi.org/10.5281/zenodo.7189893
Pratiwi, R. P., & Susanti, A. (2022). TESTING FINANCIAL LITERACY, LIFESTYLE AND SELF-CONTROL ON MILLENNIAL CONSUMPTIVE BEHAVIOR SUKOHARJO GO-JEK USERS. BUSINESS LANTERN JOURNAL, 11(1), 61. https://doi.org/10.34127/jrlab.v11i1.502
Prihatini, D., & Irianto, A. (2021). The Effect of Financial Literacy and Self-Control on Student Consumptive Behavior. 4(1), 2021. http://ejournal.unp.ac.id/students/index.php/pek/index
Putri, N. A., & Lestari, D. (2019). The Effect of Lifestyle and Financial Literacy on Financial Management of Young Workers in Jakarta. https://ejournal.imperiuminstitute.org/index.php/AKURASI
Rahma, S., Bukhari, E., & Prasetyo, E. (2022). THE INFLUENCE OF FINANCIAL LITERACY, INCOME AND LIFESTYLE ON ONLINE SHOPPING CONSUMPTIVE BEHAVIOR DURING THE COVID-19 PANDEMIC. Scientific Journal of Accounting and Management, 18.
Rahmawati, Z., Nurfitri, T., & Widiastuti, D. E. (2022). Soedirman Economics Education Journal INFLUENCE OF FINANCIAL LITERACY, SELF-CONTROL, AND PEER FRIENDS ON CONSUMTIVE BEHAVIOR (CASE STUDY OF ECONOMIC EDUCATION STUDENTS OF JENDERAL SOEDIRMAN UNIVERSITY). http://jos.unsoed.ac.id/index.php/seej/.
Raka Dimas, M. R., Evelin, K., & Shirley, G. (2021). The Impact of Online Shopping Applications (Online Shop) during the Covid-19 Pandemic on Public Shopping Interest in Girian Weru Ii Village, Girian District, Bitung City, North Sulawesi Province. Journal of Scientific Society, 1.
Rakhmawati, N. A., Permana, A. E., Reyhan, A. M., & Rafli, H. (2021). ANALYSIS OF ONLINE SHOPPING TRANSACTIONS DURING THE COVID-19 PANDEMIC. Teknoinfo Journal, 15(1), 32. https://doi.org/10.33365/jti.v15i1.868
Romadloniyah, A., & Setiaji, K. (2020). The Effect of Parents' Socioeconomic Status, Conformity, and Financial Literacy on Consumptive Behavior in a Gender Perspective. EEAJ, 9(1), 50-64. https://doi.org/10.15294/eeaj.v9i1.37224
Sardiyo, & Martini. (2022). The Effect of Lifestyle and Financial Literacy on Online Shopping Consumptive Behavior. Owner, 6(3), 3158-3168. https://doi.org/10.33395/owner.v6i3.999
Siallagan, A. M., Ance, O.:, Siallagan, M., Derang, I., Piarni, ), Nazara, G., Santa, S., & Medan, E. (n.d.). Derang 2) Piarni Gustin Nazara 3).
Siallagan, A. M., Ance, O.:, Siallagan, M., Derang, I., Piarni, ), Nazara, G., Santa, S., & Medan, E. (2021). RELATIONSHIP OF SELF-CONTROL WITH CONSUMTIVE BEHAVIOR IN STUDENTS AT STIKes SANTA ELISABETH MEDAN.
Sudiro, P. I., & Asandimitra, N. (2022). Number 1 Department of Management, Faculty of Economics and Business, Surabaya State University 2022. In Journal of Management Science (Vol. 10).
Sufatmi, N., & Purwanto, E. (2021). THE EFFECT OF FINANCIAL LITERATURE, LIFESTYLE, AND SELF-CONTROL ON CONSUMPTION BEHAVIOR ON ONLINE SHOPPING BY STATE STUDENTS OF STATE UNIVERSITIES IN SURABAYA. In Balance: Journal of Economics (Vol. 17).
Sugiharti, H., & Maula, K. A. (2019). THE INFLUENCE OF FINANCIAL LITERACY ON STUDENT FINANCIAL MANAGEMENT BEHAVIOR. In ACCOUNTHINK: Journal of Accounting and Finance (Vol. 4, Issue 02).
Susanti, N., Halin, H., & Kurniawan, M. (2017). INFLUENCE OF MARKETING CHANGES (4P) ON THE PURCHASE DECISION OF PT. BERLIAN BERSAUDARA PROPERTYINDO (Case Study of Taman Arizona 1 Taman Arizona 2 and Taman Arizona 3 Housing in Talang Jambi Palembang). Scientific Journal of Global Economics, 8.
Tribuana, L. (2019). Prisma (Accounting Student Research Platform) INFLUENCE OF FINANCIAL LITERACY, SELF-CONTROL AND HEDONIST CONFORMITY ON THE CONSUMTIFICIAL BEHAVIOR OF STUDENTS. https://ojs.stiesa.ac.id/index.php/prisma
Wahyuni, R., Irfani, H., Syahrina, I. A., & Mariana, R. (2019). THE INFLUENCE OF LIFESTYLE AND FINANCIAL LITERACY ON CONSUMPTIVE ONLINE SHOPPING BEHAVIOR AMONG HOUSEWIVES IN LUBUK BEGALUNG SUB-DISTRICT, PADANG CITY. Benefita Journal, 4(3), 548. https://doi.org/10.22216/jbe.v4i3.4194
Yushita, N. (2017). THE IMPORTANCE OF FINANCIAL LITERACY FOR PERSONAL FINANCIAL MANAGEMENT. THE IMPORTANCE OF FINANCIAL LITERACY FOR PERSONAL FINANCIAL MANAGEMENT, 6.
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