Peran Gender dalam Pengaruh Gaya Hidup dan Literasi Finansial terhadap Perilaku Konsumtif Mahasiswa
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Keywords:
consumptive behaviour, financial literacy, gender, lifestyle
Abstract
This research discusses consumptive behaviour among teenagers, especially university students, which is influenced by lifestyle, financial literacy, and gender factors. Consumptive behaviour arises as a result of social pressure, a culture of consumerism, and the urge to follow trends. Financial literacy is an important key in reducing this behaviour, by providing an understanding of effective financial management. The study used a quantitative approach with Structural Equation Modelling (SEM) and Multi-Group Analysis (MGA) methods, involving 86 social studies education students in Malang who were selected through random sampling techniques. The results of the analysis show that financial literacy has a significant influence in reducing consumptive behaviour, with variations in influence based on gender. This study highlights the importance of financial literacy and inclusive financial education to support better financial management among university students.
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References
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Udayanthi, N. O., Herawati, N. T., & Julianto, I. P. (2018). Pengaruh Literasi Keuangan, Kualitas Pembelajaran dan Pengendalian Diri Terhadap Perilaku Konsumtif (Studi Empiris pada Mahasiswa Jurusan Akuntansi Program S1 Universitas Pendidikan Ganesha). JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha, 9(2). https://doi.org/10.23887/jimat.v9i2.20502
Xu, X., Chen, X., Jia, F., Brown, S., Gong, Y., & Xu, Y. (2018). Supply chain finance: A systematic literature review and bibliometric analysis. International Journal of Production Economics, 204, 160–173. https://doi.org/10.1016/j.ijpe.2018.08.003
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Zhao, L., & Huchzermeier, A. (2015). Operations–Finance Interface Models: A Literature Review and Framework. European Journal of Operational Research, 244(3), 905–917. https://doi.org/10.1016/j.ejor.2015.02.015
Anggraini, R. T., & Santhoso, F. H. (2019). Hubungan antara Gaya Hidup Hedonis dengan Perilaku Konsumtif pada Remaja. Gadjah Mada Journal of Psychology (GamaJoP), 3(3), Article 3. https://doi.org/10.22146/gamajop.44104
Candra, Kartika, Kirana Hadi, Romi Adetio Setiawan, and Herlina Yustati. 2024. “Korelasi Antara Gaya Hidup Hedonis Dan Perilaku Konsumtif Di Kalangan Mahasiswa Dalam Perspektif Ekonomi Syariah.” 8(2): 1220–25. doi:10.33087/ekonomis.v8i2.1676.
Kartini, Ari, Zainah Asmaniah, and Eva Julianti. 2022. “Pendidikan Literasi Finansial: Dampak Dan Manfaat (Sebuah Kajian Literatur Review).” Kode : Jurnal Bahasa 11(3). doi:10.24114/kjb.v11i3.38814.
Rumbik, Ferrina Ermalina Rumbik Ferrina Ermalina, Rudi Kurniawan, and Rafles Ginting. 2024. “Menguak Perilaku Konsumtif Generasi Z Dalam Penggunaan Digital Payment Dan Literasi Keuangan Berdasarkan Mental Accounting: Sebuah Studi Fenomenologi.” Jurnal Akuntansi AKUNESA 12(2): 163–71. doi:10.26740/akunesa.
Dezianti, D. A. N., & Hidayati, F. (2021). Pengaruh Konformitas terhadap Perilaku Konsumtif Generasi Milenial. Journal of Psychological Science and Profession, 5(2), 151–158. https://doi.org/10.24198/jpsp.v5i2.28913
Fatmawati, F., Hasbi, H., & K, N. (2020). Dampak Implementasi Manajemen Musyawarah Guru Mata Pelajaran (MGMP) IPS Terhadap Profesionalitas Guru SMP Negeri di Palopo. Didaktika: Jurnal Kependidikan, 9(3), Article 3. https://doi.org/10.58230/27454312.53
Fuligni, A. J. (2019). The Need to Contribute During Adolescence. Perspectives on Psychological Science, 14(3), 331–343. https://doi.org/10.1177/1745691618805437
Hair, J., Hollingsworth, C. L., Randolph, A. B., & Chong, A. Y. L. (2017). An Updated and Expanded Assessment Of PLS-SEM In Information Systems Research. Industrial Management & Data Systems, 117(3), 442–458. https://doi.org/10.1108/IMDS-04-2016-0130
Hastuti, R. H., M. Psi. (2021). Psikologi Remaja. Penerbit Andi.
Hunaifi, N., Mauliana, P., Firmansyah, R., Komalasari, Y., Sulastriningsih, R. D., & Dewi, S. W. K. (2024). Dampak Media Sosial terhadap Perilaku Konsumtif Remaja di Era Digital. Tabsyir: Jurnal Dakwah Dan Sosial Humaniora, 5(3), Article 3. https://doi.org/10.59059/tabsyir.v5i3.1412
Insana, D. R. M., & Johan, R. S. (2021). Analisis Pengaruh Penggunan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa. RELASI : JURNAL EKONOMI, 17(2), Article 2. https://doi.org/10.31967/relasi.v17i2.494
Lins, S., Bottequin, E., Dóka, Á., Golasa, A., Hylander, F., Merchán, A., Odabašić, A., & Pavlović, S. (2013). To Think, to Feel, to Have: The Effects of Need for Cognition, Hedonism and Materialism on Impulse Buying Tendencies in Adolescents. Journal of European Psychology Students, 4(2), 25. https://doi.org/10.5334/jeps.bh
Livana, P., & Arisdiani, T. (2019). Upaya Penguatan Mental Remaja Menghadapi Tantangan Zaman. Jurnal Peduli Masyarakat, 1(1), Article 1. https://doi.org/10.37287/jpm.v1i1.95
Mawo, T., Thomas, P., & Sunarto, S. (2017). Pengaruh Literasi Keuangan, Konsep Diri dan Budaya Terhadap Perilaku Konsumtif Siswa SMAN 1 Kota Bajawa. Journal of Economic Education, 6(1), Article 1. https://doi.org/10.15294/jeec.v6i1.14702
Novianti, M., & Salam, A. (2021). Pengaruh Pengetahuan Keuangan, Sikap Keuangan dan Kepribadian Terhadap Perilaku Manajemen Keuangan Pelaku Umkm di Moyo Hilir: Indonesia. Jurnal Manajemen Dan Bisnis, 4(2), Article 2.
Nurhaliza, S. (2021). Lebaran 2021, Tren Belanja Online Meningkat Tahun Ini. https://www.idxchannel.com/. https://www.idxchannel.com/economics/lebaran-2021-tren-belanja-online-meningkat-tahun-ini
Parnawi, A. (2021). Psikologi Perkembangan. Deepublish.
Provetic Indonesia. (2020). Transaksi pada Kalangan Remaja. https://provetic.com/
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), 46–53. https://doi.org/10.25124/jaf.v3i1.2167
Retnowati, Y. (2022). Antara Broken Home dan Konsumerisme. GUEPEDIA.
Risnawati, R., W, S. U. M., & Wardoyo, C. (2018). Pengaruh Pendidikan Ekonomi Keluarga, Gaya Hidup, Modernitas Individu, dan Literasi Ekonomi terhadap Perilaku Konsumtif Siswa. Jurnal Pendidikan: Teori, Penelitian, Dan Pengembangan, 3(4). https://doi.org/10.17977/jptpp.v3i4.10732
Sezer, O. B., Gudelek, M. U., & Ozbayoglu, A. M. (2020). Financial Time Series Forecasting with Deep Learning: A Systematic Literature Review: 2005–2019. Applied Soft Computing, 90, 106181. https://doi.org/10.1016/j.asoc.2020.106181
Sinulingga, N. A., & Sihotang, H. T. (2023). Perilaku Konsumen: Strategi dan Teori. IOCS Publisher.
Udayanthi, N. O., Herawati, N. T., & Julianto, I. P. (2018). Pengaruh Literasi Keuangan, Kualitas Pembelajaran dan Pengendalian Diri Terhadap Perilaku Konsumtif (Studi Empiris pada Mahasiswa Jurusan Akuntansi Program S1 Universitas Pendidikan Ganesha). JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha, 9(2). https://doi.org/10.23887/jimat.v9i2.20502
Xu, X., Chen, X., Jia, F., Brown, S., Gong, Y., & Xu, Y. (2018). Supply chain finance: A systematic literature review and bibliometric analysis. International Journal of Production Economics, 204, 160–173. https://doi.org/10.1016/j.ijpe.2018.08.003
Zahra, D. R., & Anoraga, P. (2021). The Influence of Lifestyle, Financial Literacy, and Social Demographics on Consumptive Behavior. The Journal of Asian Finance, Economics and Business, 8(2), 1033–1041. https://doi.org/10.13106/jafeb.2021.vol8.no2.1033
Zhao, L., & Huchzermeier, A. (2015). Operations–Finance Interface Models: A Literature Review and Framework. European Journal of Operational Research, 244(3), 905–917. https://doi.org/10.1016/j.ejor.2015.02.015
Published
2025-06-02
How to Cite
Kurniawan, M. A., Safitri, W. N., Sari, A. C., & Mustikawan, A. (2025). Peran Gender dalam Pengaruh Gaya Hidup dan Literasi Finansial terhadap Perilaku Konsumtif Mahasiswa. Entita: Jurnal Pendidikan Ilmu Pengetahuan Sosial Dan Ilmu-Ilmu Sosial, 7(1), 115-130. https://doi.org/10.19105/ejpis.v7i1.16937
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