Apakah literasi keuangan memengaruhi perilaku konsumsi generasi Z?

Abstrak Tujuan penelitian ini untuk mengetahui pengaruh literasi keuangan terhadap perilaku konsumtif. Penelitian ini menggunakan pendekatan kuantitatif. Mahasiswa Program Studi DIII Akuntansi Jurusan Akuntansi Politeknik Keuangan Negara STAN adalah responden yang merupakan representasi generasi Z. Analisis data menggunakan analisis deskriptif dan analisis regresi. Hasil penelitian menunjukkan dua hal sebagai berikut, (1) capaian tingkat literasi keuangan mahasiswa adalah 62%, (2) literasi keuangan berpengaruh negatif secara signifikan pada perilaku konsumtif. Dengan demikian, perilaku konsumtif generasi Z dapat diminimalisir melalui peningkatan literasi keuangan. Abstract This study is to determine the effect of financial literacy on consumer behavior by using a quantitative approach. The subjects of this research were students of the Accounting Study Program Department of Accounting, STAN State Polytechnic who are representatives of generation Z. Descriptive and regression to analyze. The results are, (1) the level of student financial literacy is 62%, (2) financial literacy has a significant negative effect on consumer behavior. Thus, the generation Z consumptive behavior can be minimized through increased financial literacy.

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Pengaruh Hedonisme dan Religiusitas Terhadap Perilaku Konsumtif Mahasiswa

EKONOMIKA SYARIAH Journal of Economic Studies ◽

10.30983/es.v4i1.3198 ◽

2020 ◽

Vol 4 (1) ◽

pp. 39

Author(s):

Arif Rahmat ◽

Asyari Asyari ◽

Hesi Eka Puteri

Keyword(s):

Consumer Behavior ◽

Positive Influence ◽

Cluster Sampling ◽

Sampling Techniques ◽

Negative Effect ◽

Consumptive Behavior

<div class="WordSection1"> This study aims to analyze the influence of hedonism and religiosity on the consumptive behavior of students at the Faculty of Islamic Economics and Business, State Islamic Institute of Bukittinggi, West Sumatera, Indonesia. The population in this studi was 3,900 students and the sample was 363 of them that were selected by using the cluster sampling techniques. The results showed that hedonism has a positive influence on the consumptive behavior of students, it means that the higher of the level of hedonism, the higher the consumptive behavior of students. Meanwhile, religiosity was found to have the negative effect on the consumptive behavior of students, its meant that the higher the level of religious students, the lower the consumptive behavior of students, this study suggests that hedonism and religiosity explain variations in student consumer behavior by 64.5%, while the remaining 35.5% % is explained by other variables not explored in this study. This finding shows that to manage consumption properly, students must control their hedonism and increase their level of religiosity so that they will far from consumptive habits. </div>

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Pengaruh Life Style, Self Control Dan Financial Literacy Terhadap Perilaku Konsumtif Mahasiswa Melakukan Online Shopping

Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi ◽

10.30742/equilibrium.v16i1.805 ◽

2020 ◽

Vol 16 (1) ◽

pp. 29

Author(s):

Ratih Dewi Titisari Haryana

Keyword(s):

Social Media ◽

Consumer Behavior ◽

Financial Literacy ◽

Life Style ◽

Online Shopping ◽

Sampling Technique ◽

Self Control ◽

Sample Data ◽

Convenience Sampling ◽

Consumptive Behavior

The development of technology is related to people's behavior in Indonesia. Indonesian people, especially the younger generation, are very fond of social media. Besides used to communicate, send emails, social media is also used to online shopping. This is evidenced by the growing number of marketplaces in Indonesia such as Bukalapak, Tokopedia, Shoppee, Lazada and the others. This study aims to determine the effect of life style, self control and financial literacy on consumptive behavior in online shopping. This research is a quantitative study using explanatory design. The sample used was FEB students in East Surabaya. Sample data that can be used are 102 respondents. The sampling technique uses convenience sampling. Data collection using questionnaire distribution techniques using multiple linear regression data analysis techniques. The results showed that life style had a positive and significant effect on consumer behavior in doing online shopping. While self control and financial literacy variables negatively and significantly affect consumer behavior in doing online shopping.

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THE EFFECT OF ACADEMIC PROCRASTINATION ON THE ACCOUNTING LEARNING ACHIEVEMENT USING SELF-EFFICACY AS MODERATING VARIABLE AT SMK YPKK 1 SLEMAN

Jurnal Pendidikan Akuntansi Indonesia ◽

10.21831/jpai.v13i1.5191 ◽

2015 ◽

Vol 13 (1) ◽

Author(s):

Ismi Nur Rahmah

Keyword(s):

Data Collection ◽

Self Efficacy ◽

Academic Procrastination ◽

Study Program ◽

Learning Achievement ◽

Research Results ◽

Achievement Data ◽

Significant Negative Effect ◽

Negative Effect ◽

Academic Year

This research has two objectives. First, it is aimed to determine the effect of Academic Procrastination on the Accounting Learning Achievement in Accounting Study Program at grade X of SMK YPKK 1 Sleman academic year of 2014/2015. Second, it is amied to determine the effect of Academic Procrastination on the Accounting Learning Achievement through Self-efficacy as moderating variable in Accounting Study Program at grade X of SMK YPKK 1 Sleman academic year of 2014/2015 The population in this study was the students in Study Program at grade X of SMK YPKK 1 Sleman consists of 54 students. Data collection in this research were Questionnaire and Documentation. The questionnaires consisted of academic procrastination and self-efficacy instruments while the documentation was used to obtain Accounting Learning Achievement data. Research results showed that: (1) There is a significant negative effect of Academic Procrastination on the Accounting Learning Achievement in Accounting Study Program at grade X of SMK YPKK 1 academic year of 2014/2015, with rx1y = 0.575; r2x1y = 0.331; t-count -5.068 > t-table and sig 0.000 < 0.05; (2) There is significant negative effect of Academic Procrastination on the Accounting Learning Achievement through Self-efficacy as moderating variable in Accounting Study Program at grade X of SMK YPKK 1 academic year of 2014/2015, with rx1y = 0.699; r2x1y = 0.489; t-count -2.030 > t-table and sig 0.048 < 0.050. Keywords: Accounting Learning Achievement, Academic Procrastination, Self-efficacy

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Literasi Pajak Pertambahan Nilai (PPN) dan Perilaku Konsumtif pada Generasi Z

Owner ◽

10.33395/owner.v6i1.587 ◽

2022 ◽

Vol 6 (1) ◽

pp. 508-516

Author(s):

Joko Sustiyo

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Financial Literacy ◽

Linear Regression Analysis ◽

Simple Linear Regression ◽

Validity And Reliability ◽

Simple Linear Regression Analysis ◽

Generation Z ◽

Consumptive Behavior ◽

The Impact

Research on the impact of VAT literacy on consumptive behavior has not been studied in Indonesia. Most studies link financial literacy to consumptive behavior. To find out whether VAT literacy has an effect on consumptive behavior, this study uses simple linear regression analysis. The validity and reliability of the questionnaire instrument was confirmed first, which resulted that all questions on the questionnaire were valid and reliable. Then, the classical assumption test was carried out to ensure that the linear regression model was reliable which concluded that the data were normally distributed and there was no heteroscedasticity. Simple linear regression analysis shows that the predictor has a negative and significant effect on the consumptive behavior of Generation Z. The coefficient value of -1.130 indicates that an increase in VAT literacy by 1 point will reduce the consumptive behavior of Generation Z by 1.130 points. In other words, someone who knows and understands the VAT regulations will have the potential to reduce the consumption of goods and services.

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PENGARUH LOCUS OF CONTROL INTERNAL DAN PENDAPATAN TERHADAP LITERASI KEUANGAN MAHASISWA

JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN ◽

10.26740/jepk.v4n1.p5-17 ◽

2017 ◽

Vol 4 (1) ◽

pp. 5

Author(s):

Susanti Susanti

Keyword(s):

Locus Of Control ◽

Financial Literacy ◽

Linear Regression Analysis ◽

Sampling Technique ◽

Multiple Linear Regression Analysis ◽

Accounting Education ◽

Study Program ◽

Internal Locus ◽

Internal Locus Of Control ◽

Negative Effect

This study aimed to analyze the influence of internal Locus of Control and the income of students to the financial literacy of students of Faculty of Economics in Universitas Negeri Surabaya either partially or simultaneously. The population in this study is the Faculty of Economics Study Program S1 and S1 Accounting Accounting Education in Universitas Negeri Surabaya years 2012-2014. The sampling technique used in this research is proportional probability sampling area. While the method of analysis using multiple linear regression analysis. The results of data analysis showed that partially Internal Locus of Control has positive significant effect on the financial literacy of students. While income has significant negative effect on the financial literacy of students. The results of the analysis of simultaneous data Internal Locus of Control and earnings significantly influence the financial literacy of students of Faculty of Economics at the State University of Surabaya

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PENGARUH FINANCING TO DEPOSIT RATIO (FDR), NON PERFORMING FINANCING (NPF) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS PADA BRI SYARIAH PERIODE 2011-2018

account ◽

10.32722/acc.v7i1.2842 ◽

2020 ◽

Vol 7 (1) ◽

Author(s):

Gledis Angrayni Mustari ◽

Efriyanto Iyan ◽

Nedsal Sixpria

Keyword(s):

Linear Regression ◽

Multiple Linear Regression ◽

Annual Report ◽

Descriptive Statistics ◽

Quantitative Approach ◽

Independent Variables ◽

Significant Negative Effect ◽

Negative Effect

PENGARUH FINANCING TO DEPOSIT RATIO (FDR), NON PERFORMING FINANCING (NPF) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS PADA BRI SYARIAH PERIODE 2011-2018 Gledis Angrayni [email protected]@gmail.comNedsal [email protected] Program Studi Keuangan dan Perbankan Syariah Politeknik Negeri Jakarta ABSTRACTThe purpose of this research is to examine the influence of FDR, NPF and BOPO to Profitability that measure with ROA. The approach used in this research is quantitative approach. The object of this research is PT BRISyariah, Tbk. The research used quarterly period annual report of PT BRISyariah Tbk since 2011-2018 and data from OJK. The data analyzed by multiple linear regression and completed by a classic assumption and descriptive statistics. Hypotheses test used t-statistic and f-statistic at level significance 5%. The result has shown that FDR and NPF variables has no effect significant to ROA. While BOPO has a significant negative effect to ROA. The value of coefficient determination showed that the result is 82% of the variation of the dependent variable can be explained by the independent variables in the model. While the reduce 18% is explained by other causes that are not included in the model. Keywords: FDR, NPF, BOPO, Profitability (ROA) ABSTRAKPenelitian ini bertujuan untuk menguji pengaruh FDR, NPF dan BOPO terhadap Profitabilitas yang diukur dengan ROA. Pendekatan penelitian ini yaitu menggunakan pendekatan kuantitatif. Objek penelitian ini adalah PT BRISyariah, Tbk. Dengan menggunakan data laporan keuangan triwulan periode 2011-2018 dan data dari Otoritas Jasa Keuangan. Teknik analisis data yang digunakan adalah regresi linier berganda dilengkapi uji asumsi klasik dan statistik deskriptif. Hipotesis diuji menggunakan uji t dan uji f dengan tingkat signifikansi 5%. Hasil penelitian ini menyatakan bahwa FDR dan NPF tidak berpengaruh signifikan terhadap ROA. Sedangkan BOPO berpengaruh negatif signifikan terhadap ROA. Sementara secara bersama-sama FDR, NPF dan BOPO berpengaruh signifikan terhadap ROA. Nilai dari koefisien determinasi menunjukan hasil sebesar 82%, yang berarti sebesar 82% dari variasi variabel terikat bisa dijelaskan oleh variabel bebas dalam model tersebut, sedangkan sisanya sebesar18% dipengaruhi oleh faktor lain yang tidak dimasukan ke dalam model penelitian.Kata kunci: FDR, NPF, BOPO, Profitabilitas (ROA)

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PENGARUH MEDIA SOSIAL DAN STATUS SOSIAL EKONOMI TERHADAP PERILAKU KONSUMTIF SISWA KELAS XI IPS SMA NEGERI I GUBUG

OIKOS Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi ◽

10.23969/oikos.v4i1.2408 ◽

2020 ◽

Author(s):

Dewi Larasati ◽

Efriyani Sumastuti ◽

Dwi Prastiyo Hadi ◽

Mahmud Yunus

Keyword(s):

Social Media ◽

Socioeconomic Status ◽

Consumer Behavior ◽

Significant Influence ◽

Economic Status ◽

Quantitative Approach ◽

Socio Economic Status ◽

Use Of Social Media ◽

Consumptive Behavior

This study aims to determine the effect of the use of social media and socioeconomic status on the consumer behavior of class XI IPS students of SMA Negeri 1 Gubug both commercially and simultaneously. the population in this study was 106 students with a sample of 84 students. This study uses a quantitative approach. The results of this study were obtained Y = -8,890 + 0,855X1 + 0,606X2. Social media simultaneously has a positive and significant effect on consumptive behavior in XI IPS students of SMA Negeri 1 Gubug. Socio-economic status has a positive and significant influence on the consumptive behavior of SMA Negeri 1 Gubug students. Partially, social media and socioeconomic status influence consumer behavior by 0.527 meaning that the contribution of variable X (independent) is social media and socioeconomic status to the Y variable (dependent) consumer behavior is 52.7% while the remaining 47.3 % is influenced by other variables.

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DEVELOPMENT INEQUALITY OF DISTRICT/ CITY IN SOUTH SUMATRA ( 2008 - 2015)

AFEBI Economic and Finance Review ◽

10.47312/aefr.v3i01.146 ◽

2018 ◽

Vol 3 (01) ◽

pp. 42 ◽

Cited By ~ 1

Author(s):

Siti Rohima

Keyword(s):

Economic Growth ◽

Linear Regression ◽

Secondary Data ◽

Technical Analysis ◽

Jel Classification ◽

Quantitative Approach ◽

Significant Negative Effect ◽

Negative Effect ◽

Positive Effect ◽

Index Calculation

This study aims to determine the effect of PAD, DAU, regional expenditure and economic growth to the development gaps in the province of South Sumatra. The data used is secondary data in the GRDP, regional expenditure, PAD and DAU per district / city in the period 2008- 2015. In this study, using a quantitative approach. Technical analysis of using Williamson index calculation and linear regression. These results indicate that the PAD and Expenditure have a positive effect, on the contrary DAU and economic growth have a significant negative effect on the development gaps District / City in the province of South Sumatra. JEL Classification: H70, H77, O10 Keywords: DAU, Development inquality, Economic Growth, PAD, Regional Expenditure

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DOES GRIT GUARANTEE STUDENTS DO NOT ACADEMIC DISHONESTY?

Panorama ◽

10.15765/pnrm.v15i29.1708 ◽

2021 ◽

Vol 15 (29) ◽

pp. 13-31

Author(s):

Herdian Herdian ◽

Fatin RN Wahidah

Keyword(s):

Academic Dishonesty ◽

Unethical Behavior ◽

Quantitative Approach ◽

Measuring Instrument ◽

Significant Negative Effect ◽

The World ◽

Negative Effect

Academic dishonesty is still a concern of researchers in various parts of the world. this is because there are still many academicians doing this unethical behavior. We examine how Grit plays a role in academic dishonesty. Does grit guarantee students not to commit academic dishonesty? A quantitative approach is used in this research. A total of 408 students in Indonesia participated (M = 95; F = 313). The measuring instrument used is the Academic Dishonesty Scale adapted from Ampuni et, al (2019) with α = 0.860 and the Grit Scale for Children and Adult used by Wahidah (2019) with α = 0.727. The results show that Grit has a significant negative effect on academic dishonesty. The more gritty, the lower the academic dishonesty will be. We also discuss the implications in relation to education

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Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Milenial Di Kota Bandung

JAF- Journal of Accounting and Finance ◽

10.25124/jaf.v3i1.2167 ◽

2019 ◽

Vol 3 (1) ◽

pp. 46

Author(s):

Zahra Qurotaa’yun ◽

Astrie Krisnawati

Keyword(s):

Financial Literacy ◽

Millennial Generation ◽

Descriptive Analysis ◽

Linear Regression Analysis ◽

Human Needs ◽

Analysis Technique ◽

Negative Effect ◽

Consumptive Behavior ◽

The City

Consumptive behavior is actions taken to fulfill various types of human needs. If consumption is carried out excessively and not just based on needs, then it is not a reasonable consumption anymore, but it has become a consumptive behavior. Millennials are considered as the most consumptive generation, especially online shopping and prioritizing short-term needs rather than long-term needs. Theoretically consumptive behavior is influenced by low financial literacy. This research was conducted in the millennial generation in Bandung, which in 2019 was 19-38 years old. The sample used in this study was calculated using Slovin formula so that there were at least 400 respondents. Technique used in this research is nonprobability sampling with a purposive sampling approach. The data analysis technique used is descriptive analysis and simple linear regression analysis. The results of this study concluded that financial literacy had a significant negative effect on the consumptive behavior of millennial generation in the city of Bandung. With the level of financial literacy and consumptive behavior included in the medium category.

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