PENGARUH LOCUS CONTROL, E-MONEY DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS SLAMET RIYADI SURAKARTA
DOI:
https://doi.org/10.61722/jiem.v3i9.6543Keywords:
Locus of control, e-money, financial literation, consumptive behaviorAbstract
This study is a survey research conducted on Students of the Faculty of Economics dan Business, Slamet Riyadi University, Surakarta. The purpose of this study is to examine the influence of locus of control, e-money, dan financial literation on consumptive behavior. The type of data used is quantitative, dan the data source is primary data. Data collection was carried out by distributing questionnaires to the relevant respondents. The population in this study consists of Students of the Faculty of Economics dan Business, Slamet Riyadi University, Surakarta. The sampling technique used was proportional rdanom sampling, resulting in a sample of 96 respondents. The data were collected using questionnaires that had been tested for validity dan reliability. The data analysis techniques used include multiple linear regression, t-test, F-test, dan the coefficient of determination (R²).The results of the study show that locus of control has a significant effect on the consumer behavior of students of the Faculty of Economics dan Business Slamet Riyadi University Surakarta. E-money has a significant effect on the consumer behavior of students of the Faculty of Economics dan Business Slamet Riyadi University Surakarta. Financial literacy does not have a significant effect on the consumer behavior of students of the Faculty of Economics dan Business Slamet Riyadi University Surakarta. The coefficient of determination (adjusted R square) is 0.621, meaning that locus of control, e-money dan financial literation contribute 62.1% to consumptive behavior.
References
Amalia, Naili, dan Muhammad Luthfi Hamdani. 2022. “Research on the Impact of Entrepreneurship Education on Employee Creativity from the Perspective of Career Environment Based on an Intermediary Model.” Journal of Environmental dan Public Health 2022 (5): 2224–33. https://doi.org/10.1155/2022/1677620.
Danriani, Beid Fitrianova, Elyanti Rosmanidar, dan Zahratud Diniah. 2023. “Pengaruh Digital Payment ShopeePay Dan Locus Of Control Terhadap Perilaku Konsumtif Mahasiswa.” Indonesian Journal of Islamic Economics dan Business 8 (2): 409–26. https://doi.org/10.30631/ijoieb.v8i2.2003.
Dewi, Luh Gede Kusuma, Nyoman Trisna Herawati, dan I Made Pradana Adiputra. 2021. “Penggunaan E-Money Terhadap Perilaku Konsumtif Mahasiswa Yang Dimediasi Kontrol Diri.” EKUITAS (Jurnal Ekonomi Dan Keuangan) 5 (1): 1–19. https://doi.org/10.24034/j25485024.y2021.v5.i1.4669.
Diniah, Zahratud, Elyanti Rosmanidar, dan Beid Fitrianova Danriani. 2023. “Pengaruh Digital Payment ShopeePay Dan Locus Of Control Terhadap Perilaku Konsumtif Mahasiswa.” Indonesian Journal of Islamic Economics dan Business 8 (2): 409–26. https://doi.org/10.30631/ijoieb.v8i2.2003.
Fahriansah, Fahriansah, Ndana Safarida, dan Shelly Midesia. 2023. “Buy Now, Think Later: Impulsive Buying Behavior among Generation Z in Indonesia.” Share: Jurnal Ekonomi Dan Keuangan Islam 12 (2): 386. https://doi.org/10.22373/share.v12i2.17453.
Hatta, Madani, Baihaqi, dan Resti Ramahdaniati. 2017. “Perilaku Berbagai Pengetahuan Akuntasi Pada Dosen Akuntansi Kota Bengkulu : Pendekatan Theory Of Planned Behavior ( TPB ) Universitas Bengkulu Kumpulan Keyakinan Seseorang ( Beliefs ) Persepsi Dari Seseorang Yang Berkeyakinan Selain Attitude toward Behavi.” Jurnal Akuntansi, Ekonomi Dan Manajemen Bisnis Https://Doi.Org/10.30871/Jaemb.V5i1.449 5 (1): 26–44.
Insana, Dwi Rorin Mauludin, dan Ria Susanti Johan. 2021. “Analisis Pengaruh Penggunan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa.” Relasi : Jurnal Ekonomi 17 (2): 413–34. https://doi.org/10.31967/relasi.v17i2.494.
Maskhurin, Ricky, IGAA Novi Ekayanti, dan Aliffia Ananta. 2022. “Perilaku Konsumtif Ditinjau Dari Locus of Control Pada Dewasa Awal Pengguna E-Commerce.” Sukma : Jurnal Penelitian Psikologi Juni 2022 3 (01): 51–59.
Maslim, Anggelo Steven Windy, dan Sri Danayani. 2023. “Penerapan Metode Theory of Planned Behavior Untuk Tingkat Kepercayaan Pelanggan Terhadap Minat Belanja Online.” JuSiTik : Jurnal Sistem Dan Teknologi Informasi Komunikasi 7 (1): 7–14. https://doi.org/10.32524/jusitik.v7i1.1038.
Maulidina, Yuriza, dan Tri Kurniawati. 2022. “The Effect of E-Money, Economic Literacy dan Parents’ Income on Consumptive Behavior.” Economic Education Analysis Journal 11 (2): 191–200. https://doi.org/10.15294/eeaj.v11i2.54254.
Mengga, Grace Sriati, Mince Batara, dan Evi Rimpung. 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 Akuntansi 1 (1): 36–50. https://doi.org/10.54066/jura-itb.v1i1.123.
OJK. 2016. https://sikapiuangmu.ojk.go.id/FrontEnd/images/Document/buku statistik_2016.pdf.
Paujiah, dan Lita Ariani. 2023. “Perilaku Konsumtif: Studi Kuantitatif Deskriptif Masyarakat Di Kabupaten Kotabaru.” Jurnal Ilmu Psikologi Dan Kesehatan 2 (2): 153–60. https://publish.ojs-indonesia.com/index.php/SIKONTAN/article/view/1307.
Prasinta, Falena Ika, Gendro Wiyono, dan Alfiatul Maulida. 2023. “Pengaruh Literasi Keuangan, Gaya Hidup, Dan Kontrol Diri Terhadap Perilaku Konsumtif Di Kalangan Generasi Z.” Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah 5 (6): 3028–38. https://doi.org/10.47467/alkharaj.v5i6.2703.
Ramadani, Laila. 2016. “Pengaruh Penggunaan Kartu Debit Dan Uang Elektronik (E-Money) Terhadap Pengeluaran Konsumsi Mahasiswa.” Jurnal Ekonomi Dan Ekonomi Studi Pembangunan 8 (1): 1–8. https://doi.org/10.17977/um002v8i12016p001.
Razen, Michael, Jürgen Huber, Laura Hueber, Michael Kirchler, dan Matthias Stefan. 2021. “Financial Literacy, Economic Preferences, dan Adolescents’ Field Behavior.” Finance Research Letters 40 (April 2020).
Shiega, Ferdy, Mas Intan Purba, Jodan Winston, dan Nur Aliah. 2024. “The Effect of Financial Literacy, Lifestyle, dan Electronic Money on the Consumptive Behaviour of Gen-z Generation Students.” Journal of Economic, Business dan Accounting Volume 7 Nomor 5 Tahun 2024 e-ISSN : 2597-5234 7.
Syafii, Mochamad, dan Wisnu Panggah Setiyono. 2020. “Pengaruh Financial Literacy, Income, Locus of Control Terhadap Perilaku Konsumtif Generasi Milenial Di Kota Surabaya” 2 (12): 992–1002. https://doi.org/10.17977/um066v2i12222p992-1002.
Veriwati, Silviana, Dessy Triana Relita, dan Emilia Dewiwati Pelipa. 2021. “Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Program Studi Pendidikan Ekonomi.” JURKAMI : Jurnal Pendidikan Ekonomi 6 (1): 43–53. https://doi.org/10.31932/jpe.v6i1.1150.
Wardiningsih, S S, dan E Wibowo. 2022. “Analisis Faktor-Faktor Yang Memengaruhi Tingkat Literasi Keuangan Mahasiswa Prodi Manajemen Fakultas Ekonomi Unisri” JEKU (Jurnal Ekonomi Dan Kewirausahaan) Volume 22, No. 3, September 2022 22 (3):228.37.https://ejurnal.unisri.ac.id/index.php/Ekonomi/article/view/8429%0Ahttps://ejurnal.unisri.ac.id/index.php/Ekonomi/article/download/8429/4936.
Widyasari. 2024. “OJK Ajak Generasi Muda Bijak Kelola Keuangan Melalui Literasi.” 2024. https://www.tempo.co/info-tempo/ojk-ajak-generasi-muda-bijak-kelola-keuangan-melalui-literasi-2314.
Winarta, Agatha Honggo, Hamfri Djajadikerta, dan Samuel Wirawan. 2019. “Pengaruh Literasi Keuangan Dan Promosi Penjualan Terhadap Perilaku Konsumtif Mahasiswa.” Journal of Accounting dan Business Studies 4 (2): 76–91. https://doi.org/10.61769/jabs.v4i2.472.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 JURNAL ILMIAH EKONOMI DAN MANAJEMEN
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
