Apakah literasi keuangan memengaruhi perilaku konsumsi generasi Z?
Abstract
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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References
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