Pengaruh Literasi Keuangan, Gaya Hidup, dan Kontrol Diri terhadap Perilaku Konsumtif di Kalangan Generasi Z

Abstract

This study aims to determine the effect of financial literacy, lifestyle, and self-control on consumptive behavior among millennials in Karangtalun Kidul Village, Purwojati District, Banyumas Regency with a total of 93 respondents. Data was collected through a survey using a questionnaire instrument and then analyzed using multiple linear regression. The findings show that young people in Karangtalun Kidul Village, Purwojati District, Banyumas Regency must consider their financial situation starting from aspects of financial literacy, lifestyle, and self-control in order to avoid consumptive behavior. Based on the results of the research test, it was found that 1) financial literacy has a positive and insignificant effect on consumptive behavior among the Millennial Generation in Karangtalun Kidul Village, Purwojati District, Banyumas Regency. 2) Lifestyle has a positive and significant effect on consumptive behavior among the Millennial Generation in Karangtalun Kidul Village, Purwojati District, Banyumas Regency. 3) Self-control has a negative and insignificant effect on consumptive behavior among Millennials in Karangtalun Kidul Village, Purwojati District, Banyumas Regency.

Keywords: financial literacy; lifestyle: self control; consumptive behaviour.