The Influence of Financial Literacy, Lifestyle, and Self-control on Student Consumptive Behavior
Putri Syifa Anatasya, Alifa Rizki Putri, Siti Kholifah, Devi Tiara Oktavia, Dila Dwi Febriani, Bima Cinintya Pratama
Asian Journal of Economics, Business and Accounting · pp. 135–145 · Published 5 Sep 2024
10.9734/ajeba/2024/v24i91482Abstract
Aims: The purpose of this study was to examine the relationship between the influence of financial literacy, lifestyle, and self-control on the consumptive behavior of students of the Faculty of Economics and Business, Universitas Muhammadiyah Purwokerto. Study Design: Quantitative and descriptive research was used in this study. Place and Duration of Study: Faculty of Economics and Business, Universitas Muhammadiyah Purwokerto, Indonesina country, between April to July. Methodology: The study use purposive sampling resulted in 129 students (33 male, 96 female; class range 2023-2021; study program Accounting S1, Accounting D3, Management S1, Digital Business S1). Results: The study showed that financial literacy, students’ lifestyle, and students' self control are positively associated with students' consumption behavior. The analysis results show that financial literacy has a positive influence on consumptive behavior, with a path coefficient value of 0.144 and a p-value of 0.024. Similarly, lifestyle also has a positive influence on consumptive behavior, with a path coefficient value of 0.667 and a p-value of 0.000. Meanwhile, self-control has a negative influence on consumptive behavior, with a path coefficient value of -0.156 and a p-value of 0.010. Therefore, it can be concluded that financial literacy, lifestyle, and self-control affect the consumptive behavior of college students. Conclusion: This implies that the students must be able to control her/himself to be not consumptive.
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