The Influence of Financial Literacy on Students' Consumptive Behavior

Nadira Oktasari; Onny Fitriana Sitorus; Novelia Utami

doi:10.51276/edu.v7i2.1442

Authors

Nadira Oktasari Universitas Muhammadiyah Prof. Dr. Hamka
Onny Fitriana Sitorus Universitas Muhammadiyah Prof. Dr. Hamka
Novelia Utami Universitas Muhammadiyah Prof. Dr. Hamka

DOI:

https://doi.org/10.51276/edu.v7i2.1442

Keywords:

Consumptive Behavior , Financial Literacy , High School Students

Abstract

This study aims to determine the extent to which financial literacy influences the consumer behaviour of senior high school students in Pondok Gede District, Bekasi City. The research was conducted at State Senior High School 5 and State Senior High School 21 in Bekasi, with a sample of 96 students selected through proportional stratified random sampling. Data were collected using questionnaires and analyzed with statistical tests. The findings show that financial literacy has a positive and significant effect on students' consumer behaviour, suggesting that students with greater financial literacy tend to make more rational and responsible consumption decisions. This result highlights the importance of strengthening financial education among adolescents, particularly in school settings, as a preventive measure against excessive consumerism. In practice, the study suggests that integrating financial literacy programs into the school curriculum can equip students with the skills to manage their finances wisely and avoid wasteful spending habits.

Downloads

Download data is not yet available.

Author Biographies

Nadira Oktasari, Universitas Muhammadiyah Prof. Dr. Hamka

She was born in Jakarta, 16 October 2003. Earned a Bachelor’s degree in Economic Education from the University Muhammadiyah Prof. Dr. Hamka in 2025. And now as a teacher at SMK Yamas.

Onny Fitriana Sitorus, Universitas Muhammadiyah Prof. Dr. Hamka

She was born in Jakarta, earned a Doctorate in Educational Management from Jakarta State University in 2018, earned a Masters in Educational Management from Jakarta State University in 1999, earned a Bachelor's degree in Business Education-Commerce from IKIP Muhammadiyah and graduated in 1996.

Novelia Utami, Universitas Muhammadiyah Prof. Dr. Hamka

She was born in Jakarta. Student of the Doctoral Program in Economic Education, Semarang State University. Earned a Master's degree in School Management from the Postgraduate Program of Muhammadiyah Prof. Dr. Hamka University and earned a Bachelor's degree in Economic Education from Muhammadiyah Prof. Dr. Hamka University.

References

bdullah, M. N. F., & Suja’i, I. S. (2022). Pengaruh Gaya Hidup Dan Media Sosial Terhadap Perilaku Konsumtif. Jurnal Pendidikan DEWANTARA: Media Komunikasi, Kreasi Dan Inovasi Ilmiah Pendidikan, 8(2), 72–84. https://doi.org/10.55933/jpd.v8i2.402

Adiati, R. P. (2021). Kepuasan Hidup: Tinjauan dari Kondisi Keuangan dan Gaya Penggunaan Uang. Jurnal Ilmu Keluarga Dan Konsumen, 14(1), 40–51. https://doi.org/10.24156/jikk.2021.14.1.40

Anjarwati, L., Hasyim, S. H., & Konsumtif, P. (2023). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Siswa Akuntansi Pada Sekolah Menengah Kejuruan di Kabupaten Gowa. 3(4), 47–54.

BPK RI, J. (2016). Perpres Nomor 82 Tahun 2016. In Peraturan Presiden Republik Indonesia Nomor 82 (pp. 1–7). https://peraturan.bpk.go.id/Home/Details/40986/perpres-no-82-tahun-2016

Choerudin, A., Zulfachry, Widyaswati, R., Warpindyastuti, L. D., Khasanah, J. S. N., Harto, B., Fauziah, N., Sohilauw, M. I., Nugroho, L., Suharsono, J., & Paramita, S. (2023). Literasi Keuangan. In Banking Journalist Academy (Issue June).

Dias Kanserina, & Jurusan Pendidikan Ekonomi, F. E. dan B. U. P. G. S. (2015). Perilaku Konsumtif Mahasiswa Jurusan Pendidikan Ekonomi Undiksha. Jurnal Pendidikan Ekonomi Undiksha, 1, 1.

Dilasari. (2020). Financial literacy, financial behaviour, financial attitude, life style, locus of control. PLatform Riset Mahasiswa Akuntansi, 01(04), 74–87.

Ginting, M., Sirait, R. T. M., & Marpaung, R. (2024). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif (Studi Kasus Masyarakat Kota Medan). Journal Net. Library and Information, 1(2), 92–98. https://doi.org/10.51544/jnli.v1i2.5821

Kementrian Kesehatan Republik Indonesia. (2015). PERATURAN MENTERI KESEHATAN REPUBLIK INDONESIA NOMOR 25 TAHUN 2014. 8(33), 44.

Kredivo & Katadata. (2023). Laporan Perilaku Konsumen Indonesia 2023: Pemulihan Ekonomi dan Tren Belanja Pasca Pandemi. 102.

Kunto. (2017). Analisis Karakter Remaja Gaul pada Hedonisme Vlog. Mediapsi, 03(01), 26–33. https://doi.org/10.21776/ub.mps.2017.003.01.4

Prasanti, R. P., & Kamalia, P. U. (2022). Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Selama Pandemi: Seberapa Besar Pengaruh Literasi Ekonomi Dan Kontrol Diri ? Jurnal Pendidikan Ekonomi (JURKAMI), 7(1), 89–99. https://doi.org/10.31932/jpe.v7i1.1514

Qurotaa’yun, Z., & Krisnawati, A. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Milenial Di Kota Bandung. JAF- Journal of Accounting and Finance, 3(1), 46. https://doi.org/10.25124/jaf.v3i1.2167

Sasmito, P., Riswanto, A., Thursina, F., Kusuma, F., & Nurlaila, R. Dela. (2023). Consumptive Behavior in Adolescents and Its Impact on Financial Management: Case Studies and Practical Implications. West Science Journal Economic and Entrepreneurship, 1(05), 76–83. https://doi.org/10.58812/wsee.v1i02.70

Siallagan, A. M., Derang, I., & ... (2021). Hubungan Kontrol Diri Dengan Perilaku Konsumtif Pada Mahasiswa Di Stikes Santa Elisabeth Medan. Jurnal Darma Agung ….

Sudiro, P. I., & Asandimitra, N. (2022). Pengaruh Financial Literacy, Uang Elektronik, Demografi, Gaya Hidup, Dan Kontrol Diri Terhadap Perilaku Konsumtif Generasi Milenial. Jurnal Ilmu Manajemen, 10(1), 160–172.

Sugiyono. (2021). Metode Penelitian Kuantitatif. In Proceedings of the National Academy of Sciences (Vol. 3, Issue 1). http://dx.doi.org/10.1016/j.bpj.2015.06.056%0Ahttps://academic.oup.com/bioinformatics/article-abstract/34/13/2201/4852827%0Ainternal-pdf://semisupervised-3254828305/semisupervised.ppt%0Ahttp://dx.doi.org/10.1016/j.str.2013.02.005%0Ahttp://dx.doi.org/10.10

Suviona, S. (2020). Perilaku Konsumtif Ditinjau Dari Kontrol Diri Pada Remaja Di Smu Wr.Supratman I Medan. Psikologi Prima, 3(1), 54–70. https://doi.org/10.34012/psychoprima.v3i1.1324

Yuangga, K. D. (2023). Transformasi Digital dalam Pendidikan Ekonomi: Menyiapkan Generasi Muda untuk Menghadapi Tantangan Ekonomi Digital. JIIP - Jurnal Ilmiah Ilmu Pendidikan, 6(6), 4507–4517. https://doi.org/10.54371/jiip.v6i6.2410

Yudasella, I. F., & Krisnawati, A. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Siswa Sekolah Menengah Atas Di Kota Bandung. Jurnal Mitra Manajemen, 3(6), 674–687. https://doi.org/10.52160/ejmm.v3i6.245

Zain, K. (2021). Gaya Hidup dan Cermin Diri dalam Food, Fun dan Fashion di Kalangan Mahasiswa Universitas Sriwijaya. Jurnal Empirika, 5(1), 25–45.