Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Di Universitas Ichsan Gorontalo Utara

Ririn R. Saputri; Afriana Lomagio; Fitrianti

doi:10.5281/

Authors

Ririn R. Saputri Universitas Ichsan Gorontalo Author
Afriana Lomagio Universitas Ichsan Gorontalo Utara Author
Fitrianti Universitas Ichsan Gorontalo Utara Author

DOI:

https://doi.org/10.5281/

Keywords:

Financial Literacy, Consumptive Behavior, University Students

Abstract

Penelitian ini menganalisis pengaruh literasi keuangan terhadap perilaku konsumtif mahasiswa dengan mengendalikan financial self-efficacy. Survei kuantitatif potong lintang melibatkan 83 mahasiswa yang dipilih melalui simple random sampling dari 481 mahasiswa Universitas Ichsan Gorontalo Utara. Data dianalisis menggunakan statistik deskriptif dan regresi linear berganda. Literasi keuangan memiliki koefisien positif tetapi tidak signifikan (B = 0,273; beta = 0,181; t = 1,252; p = 0,214). Model bersama tidak signifikan dan hanya menjelaskan 5,0 persen variasi perilaku konsumtif (F = 2,126; p = 0,126). Temuan menunjukkan kesenjangan pengetahuan-perilaku: literasi keuangan yang relatif tinggi belum otomatis menurunkan konsumsi. Pendidikan keuangan perlu memadukan pengetahuan dengan praktik penganggaran, pemantauan pengeluaran, penguatan pengendalian diri, dan strategi menghadapi stimulus belanja digital.

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