Financial Self-Efficacy dan Perilaku Konsumtif Mahasiswa Universitas Ichsan Gorontalo Utara

Fitrianti; Afriana  Lomagio; Nur Lazimatul  Hilma Sholehah

doi:10.5281/

Authors

Fitrianti Universitas Ichsan Gorontalo Utara Author
Afriana Lomagio Universitas Ichsan Gorontalo Utara Author
Nur Lazimatul Hilma Sholehah Universitas Ichsan Gorontalo Author

DOI:

https://doi.org/10.5281/

Keywords:

Financial self-efficacy, Consumptive behavior, University students

Abstract

Penelitian ini menganalisis hubungan financial self-efficacy dengan perilaku konsumtif mahasiswa setelah literasi keuangan dikendalikan. Survei kuantitatif potong lintang melibatkan 83 mahasiswa yang dipilih melalui simple random sampling dari 481 mahasiswa Universitas Ichsan Gorontalo Utara. Regresi linear berganda menunjukkan bahwa financial self-efficacy memiliki hubungan positif tetapi tidak signifikan dengan perilaku konsumtif (B = 0,055; beta = 0,059; t = 0,407; p = 0,685). Model bersama tidak signifikan dan hanya menjelaskan 5,0 persen variasi perilaku. Skor deskriptif menunjukkan self-efficacy relatif tinggi, tetapi kelemahan utama terdapat pada kemampuan merealisasikan pengeluaran sesuai anggaran. Temuan mengindikasikan kesenjangan keyakinan-tindakan. Perguruan tinggi perlu membangun self-efficacy yang terkalibrasi melalui anggaran riil, pencatatan pengeluaran, umpan balik, dan strategi menghadapi tekanan konsumsi digital.

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