Pengaruh Literasi Ekonomi Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Akuntansi
Keywords:
Economic Literacy, Consumptive behavior
Abstract
This study analyzes the effect of economic literacy on student consumptive behavior, using a quantitative research approach with survey methods. The research data was collected by distributing questionnaires, the research respondents were 70 undergraduate students of the accounting education study program who were drawn by purposive sampling, and the analysis of research data used simple regression with prerequisite tests for data normality and linearity analysis. The results of the study revealed that the level of economic literacy of students was quite diverse, but around 54% were at a moderate literacy level. Student consumptive behavior tends to be moderate, namely around 60% of the respondents. The results of the hypothesis test reveal that economic literacy has a negative influence on student consumptive behavior. This indicates that students have self-awareness of the ability to buy a product, buy products according to their needs, and can manage personal finances to save.
References
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Akhan, N. E. (2015). Economic Literacy Levels of Social Studies Teacher Candidates. World Journal of Education, 5(1), 25–39.
BPS., Statistik, Pusat, Badan. (2022). Pengeluaran Untuk Konsumsi Penduduk Indonesia Berdasarkan Hasil Susenas Maret 2022. Badan Pusat Statistik.
Chen., F, Y, W., & D, Y. (2020). Financial Literacy Overconfidence and Customer Satisfaction: Evidence from the 2018 UD National Financial Capability Study. Asian J Econ Bus Account, 16, 13–26
Clichici, D., & Moagar-polandian, S. (2022). Financial Literacy, Economic Development and Financial Development: A Cross-Country Analysis. Romanian Journal of European Arrairs, 22(1).
Council of Economic Education (CEE). (2010). Voluntary National Content Standards in Economics 2nd Edition.
Creswell, J. W. (2014). Research Design Pendekatan Kualitatif, Kuantitatif dan Mixed. Pustaka Pelajar.
Dewi, L., Herawati, N., & Adiputra, I. (2021). Penggunaan E-Money Terhadap Perilaku Konsumtif Mahasiswa Yang Dimediasi Kontrol Diri. EKUITAS (Jurnal Ekonomi Dan Keuangan), 5(1), 1–19.
Diantini, N. P. A. W., Susanti, & Subroto, W. T. (2021). The Effect of Peer Group, Economic Literacy, and Use of Social Media on The Consumption Behavior of student Social Studies Major Grade XII SMAN 1 Negara in Jembrana. Technium Soc. Sci. J, 21, 296.
DİLEK, S., KESGİNGÖZ, H., KONAK, A., & HALICIOĞLU, S. (2018). Factors Affecting Economic Literacy. Afro Eurasian Studies, 7(1), 7–47.
Efendi, R., Indartono, S., & Sukidjo. (2019). The Mediation of Economic Literacy On The Effect of Self Control on Impulsive Buying Behaviour Moderated By Peers. International Journal of Economics and Financial Issues, 9(3), 98.
Gautam, R. S., & Rastogi, D. S. (2022). Study of Financial Literacy and Its Impact on Rural Development in India: Evidence Using Panel Data Analysis. Iconic Research and Engineering Journals, 5(9), 483–492.
Happ, R., Kato, M., & Ruter, I. (2021). Results From The Test of Economic Literacy in Germany and Japan:A critical discussion on the gender effect. Citizenship, Social and Economics Education, 20(1), 48–68.
Hussain, J., Salia, S., & Karim, A. (2018). Is Knowledge That Powerful? Financial Literacy in Germany and Japan: A Critical Discussion On The Gender Effect. Journal of Small Business and Enterprise Development, 25(6), 985–1003.
Insana, D. R. M., & Johan, R. S. (2021). Analisis pengaruh Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Universitas Indraprasta PGRI. JABE (Journal of Applied Business and Economic), 7(2), 209–224.
Klapper, L., Lusardi, A., & Oudheusden, peter Van. (2015). Financial Literacy Around The World:Insights From The Standard & Poor"s Ratings Service Global Financial Literacy Survey. Global Financial Literacy Excellence Center.
Melina, A., & Wulandari, S. (2018). Pengaruh Literasi Ekonomi dan Gaya Hidup terhadap Perilaku Konsumtif Mahasiswi Pendidikan Ekonomi STKIP YPM Bangko. Scientific Journals of Economic Education, 2(1), 141–152.
Nurfitria, A. (2020). Pengaruh Literasi Ekonomi Dan Gaya Hidup Terhadap Perilaku Pembelian Konsumtif Untuk Produk Fashion Pada Mahasiswa Jurusan Pendidikan IPS UIN Syarif Hidayatullah Jakarta. Institutional Repository UIN Syarif Hidayatullah Jakarta. https://repository.uinjkt.ac.id/dspace/handle/123456789/50126
Nurjanah, S., Mukhtar, S., Ulfatmi, E., & Triningsih, N. (2019). Pengaruh Literasi Ekonomi dan Self Control Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Negeri Jakarta. Jurnal Parameter, 31(2), 124–133.
OECD., O. for E. C. and D. (2020). OECD/INFE 2020 International Survey of Adult Financial Literacy. Organization for Economic Co-operation and Development.
Prasad, D. S., Kiran, R., & Dr. Rakesh Kumar Sharma. (2021). Behavioral, Socia-economic Factors, Financial Literacy and Investment Decisions: Are Men More Rational and Women More Emotional? The Indian Economic Journal, 69(1), 66–87.
Rafsanjani, M. A., Sholikhah, N. m., & Prakoso, A. F. (2019). Does the “Idaman Jelita” Character of Universitas Negeri Surabaya Influence Students Economics Literacy? Dinamika Pendidikan, 14(2), 11. https://doi.org/10.15294/dp.v14i1.22214
Rozaini, N., & Ginting, B. (2019). Pengaruh Literasi Ekonomi Dan Kontrol Diri Terhadap Perilaku Pembelian Impulsif Untuk Produk Fashion. Niagawan, 8(1), 1–9.
Sa’idah, F., & Fitrayani, D. (2022). Analisis Pengaruh Literasi Ekonomi dan Gaya Hidup Hedonis Terhadap Perilaku Konsumtif Mahasiswa di Era Pandemi Covid-19. Jurnal Paedagogy, 9(3), 467–475.
Septiansari, D., & Handayani, T. (2021). Pengaruh Belanja Online Terhadap Perilaku Konsumtif pada Mahasiswa di Masa Pandemi Covid-19. Jurnal EMT KITA, 5(1), 53–65.
Solihat, A. N., & Arnasik, S. (2018). Pengaruh Literasi Ekonomi Dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Universitas Siliwangi. Oikos : Jurnal Kajian Pendidikan Ekonomi Dan Ilmu Ekonomi, 2(1), 1–13.
Subagio. (2019). Pengaruh Lingkungan Sosial Terhadap Perilaku Konsumtif Mahasiswa Fakultas Pendidikan Olahraga dan kesehatan (FPOK) IKIP Mataram. JISIP(Jurnal Ilmu Sosial Dan Pendidikan, 3(3).
Usman, O., & Izhari, N. (2020). The Effect of Family Environment, Peers, Self-Control and Financial Literacy on Consumptive Behavior of Students. Peers, Self-Control and Financial Literacy on Consumptive Behavior of Students.
Zahra, D. R., & Anoraga, P. (2021). The Influence of Lifestyle, Financial Literacy, and Sosial Demographics on Consumptive Behavior. The Journal of Asian Finance, Economics and Business, 8(2), 1033–1041.
Akhan, N. E. (2015). Economic Literacy Levels of Social Studies Teacher Candidates. World Journal of Education, 5(1), 25–39.
BPS., Statistik, Pusat, Badan. (2022). Pengeluaran Untuk Konsumsi Penduduk Indonesia Berdasarkan Hasil Susenas Maret 2022. Badan Pusat Statistik.
Chen., F, Y, W., & D, Y. (2020). Financial Literacy Overconfidence and Customer Satisfaction: Evidence from the 2018 UD National Financial Capability Study. Asian J Econ Bus Account, 16, 13–26
Clichici, D., & Moagar-polandian, S. (2022). Financial Literacy, Economic Development and Financial Development: A Cross-Country Analysis. Romanian Journal of European Arrairs, 22(1).
Council of Economic Education (CEE). (2010). Voluntary National Content Standards in Economics 2nd Edition.
Creswell, J. W. (2014). Research Design Pendekatan Kualitatif, Kuantitatif dan Mixed. Pustaka Pelajar.
Dewi, L., Herawati, N., & Adiputra, I. (2021). Penggunaan E-Money Terhadap Perilaku Konsumtif Mahasiswa Yang Dimediasi Kontrol Diri. EKUITAS (Jurnal Ekonomi Dan Keuangan), 5(1), 1–19.
Diantini, N. P. A. W., Susanti, & Subroto, W. T. (2021). The Effect of Peer Group, Economic Literacy, and Use of Social Media on The Consumption Behavior of student Social Studies Major Grade XII SMAN 1 Negara in Jembrana. Technium Soc. Sci. J, 21, 296.
DİLEK, S., KESGİNGÖZ, H., KONAK, A., & HALICIOĞLU, S. (2018). Factors Affecting Economic Literacy. Afro Eurasian Studies, 7(1), 7–47.
Efendi, R., Indartono, S., & Sukidjo. (2019). The Mediation of Economic Literacy On The Effect of Self Control on Impulsive Buying Behaviour Moderated By Peers. International Journal of Economics and Financial Issues, 9(3), 98.
Gautam, R. S., & Rastogi, D. S. (2022). Study of Financial Literacy and Its Impact on Rural Development in India: Evidence Using Panel Data Analysis. Iconic Research and Engineering Journals, 5(9), 483–492.
Happ, R., Kato, M., & Ruter, I. (2021). Results From The Test of Economic Literacy in Germany and Japan:A critical discussion on the gender effect. Citizenship, Social and Economics Education, 20(1), 48–68.
Hussain, J., Salia, S., & Karim, A. (2018). Is Knowledge That Powerful? Financial Literacy in Germany and Japan: A Critical Discussion On The Gender Effect. Journal of Small Business and Enterprise Development, 25(6), 985–1003.
Insana, D. R. M., & Johan, R. S. (2021). Analisis pengaruh Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Universitas Indraprasta PGRI. JABE (Journal of Applied Business and Economic), 7(2), 209–224.
Klapper, L., Lusardi, A., & Oudheusden, peter Van. (2015). Financial Literacy Around The World:Insights From The Standard & Poor"s Ratings Service Global Financial Literacy Survey. Global Financial Literacy Excellence Center.
Melina, A., & Wulandari, S. (2018). Pengaruh Literasi Ekonomi dan Gaya Hidup terhadap Perilaku Konsumtif Mahasiswi Pendidikan Ekonomi STKIP YPM Bangko. Scientific Journals of Economic Education, 2(1), 141–152.
Nurfitria, A. (2020). Pengaruh Literasi Ekonomi Dan Gaya Hidup Terhadap Perilaku Pembelian Konsumtif Untuk Produk Fashion Pada Mahasiswa Jurusan Pendidikan IPS UIN Syarif Hidayatullah Jakarta. Institutional Repository UIN Syarif Hidayatullah Jakarta. https://repository.uinjkt.ac.id/dspace/handle/123456789/50126
Nurjanah, S., Mukhtar, S., Ulfatmi, E., & Triningsih, N. (2019). Pengaruh Literasi Ekonomi dan Self Control Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Negeri Jakarta. Jurnal Parameter, 31(2), 124–133.
OECD., O. for E. C. and D. (2020). OECD/INFE 2020 International Survey of Adult Financial Literacy. Organization for Economic Co-operation and Development.
Prasad, D. S., Kiran, R., & Dr. Rakesh Kumar Sharma. (2021). Behavioral, Socia-economic Factors, Financial Literacy and Investment Decisions: Are Men More Rational and Women More Emotional? The Indian Economic Journal, 69(1), 66–87.
Rafsanjani, M. A., Sholikhah, N. m., & Prakoso, A. F. (2019). Does the “Idaman Jelita” Character of Universitas Negeri Surabaya Influence Students Economics Literacy? Dinamika Pendidikan, 14(2), 11. https://doi.org/10.15294/dp.v14i1.22214
Rozaini, N., & Ginting, B. (2019). Pengaruh Literasi Ekonomi Dan Kontrol Diri Terhadap Perilaku Pembelian Impulsif Untuk Produk Fashion. Niagawan, 8(1), 1–9.
Sa’idah, F., & Fitrayani, D. (2022). Analisis Pengaruh Literasi Ekonomi dan Gaya Hidup Hedonis Terhadap Perilaku Konsumtif Mahasiswa di Era Pandemi Covid-19. Jurnal Paedagogy, 9(3), 467–475.
Septiansari, D., & Handayani, T. (2021). Pengaruh Belanja Online Terhadap Perilaku Konsumtif pada Mahasiswa di Masa Pandemi Covid-19. Jurnal EMT KITA, 5(1), 53–65.
Solihat, A. N., & Arnasik, S. (2018). Pengaruh Literasi Ekonomi Dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Universitas Siliwangi. Oikos : Jurnal Kajian Pendidikan Ekonomi Dan Ilmu Ekonomi, 2(1), 1–13.
Subagio. (2019). Pengaruh Lingkungan Sosial Terhadap Perilaku Konsumtif Mahasiswa Fakultas Pendidikan Olahraga dan kesehatan (FPOK) IKIP Mataram. JISIP(Jurnal Ilmu Sosial Dan Pendidikan, 3(3).
Usman, O., & Izhari, N. (2020). The Effect of Family Environment, Peers, Self-Control and Financial Literacy on Consumptive Behavior of Students. Peers, Self-Control and Financial Literacy on Consumptive Behavior of Students.
Zahra, D. R., & Anoraga, P. (2021). The Influence of Lifestyle, Financial Literacy, and Sosial Demographics on Consumptive Behavior. The Journal of Asian Finance, Economics and Business, 8(2), 1033–1041.
Published
2023-01-02
How to Cite
Pratiwi, N., Kurniawan, C., & Aradea, R. (2023). Pengaruh Literasi Ekonomi Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Akuntansi. Jurnal Pendidikan Ekonomi (JUPE), 11(1), 50-57. https://doi.org/10.26740/jupe.v11n1.p50-57
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Copyright (c) 2023 Nova Pratiwi, Chandra Kurniawan, Riswan Aradea (Author)
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