Pengaruh Literasi Keuangan, Penggunaan Penggunaan Digital Payment, Gaya Hidup, dan Uang Saku terhadap Perilaku Konsumtif Generasi Z

Iza Saniyatun ; Said Said ; Idris Idris
Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirau... 📅 2026 Vol 4, No 1 🔗 DOI: 10.61132/maeswara.v4i1.2519
Abstract
This study aims to analyze the influence of Financial Literacy, the use of Digital Payments, Lifestyle, and Pocket Money on the Consumptive Behavior of Generation Z. The research subjects were students of the Faculty of Economics and Business, Budi Luhur University. This study uses a quantitative approach with a survey method through the distribution of online questionnaires. The population in this study consisted of 1,017 active students of the Faculty of Economics and Business, Budi Luhur University, from the 2022-2025 batch, with a sample size of 100 respondents determined using the Slovin formula and non-probability sampling technique with purposive sampling method. The data obtained were analyzed using SPSS version 25 with multiple linear regression analysis, classical assumption testing, model feasibility testing (F test), t test, and coefficient of determination (R²). The results showed that financial literacy, lifestyle, and pocket money significantly influenced students' consumptive behavior. Meanwhile, the use of Digital Payment does not significantly affect students' Consumptive Behavior. In addition, the results of the model feasibility test (F test) show that Financial Literacy, the use of Digital Payment, Lifestyle, and Pocket Money together significantly affect Consumptive Behavior, so that the regression model is declared feasible for use.
Keywords
Consumptive Behavior; Digital Payment; Financial Literacy; Lifestyle; Pocket Money
How to Cite

Iza Saniyatun, et al. (2026). Pengaruh Literasi Keuangan, Penggunaan Penggunaan Digital Payment, Gaya Hidup, dan Uang Saku terhadap Perilaku Konsumtif Generasi Z. Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan, 4(1). https://doi.org/10.61132/maeswara.v4i1.2519

Iza Saniyatun; Said Said; Idris Idris, "Pengaruh Literasi Keuangan, Penggunaan Penggunaan Digital Payment, Gaya Hidup, dan Uang Saku terhadap Perilaku Konsumtif Generasi Z," Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan, vol. 4, no. 1, 2026.

Iza Saniyatun; Said Said; Idris Idris. "Pengaruh Literasi Keuangan, Penggunaan Penggunaan Digital Payment, Gaya Hidup, dan Uang Saku terhadap Perilaku Konsumtif Generasi Z." Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan, vol. 4, no. 1, 2026.

Iza Saniyatun; Said Said; Idris Idris. "Pengaruh Literasi Keuangan, Penggunaan Penggunaan Digital Payment, Gaya Hidup, dan Uang Saku terhadap Perilaku Konsumtif Generasi Z." Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 4, no. 1 (2026).

Iza Saniyatun, et al. (2026) 'Pengaruh Literasi Keuangan, Penggunaan Penggunaan Digital Payment, Gaya Hidup, dan Uang Saku terhadap Perilaku Konsumtif Generasi Z', Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan, 4(1). doi: 10.61132/maeswara.v4i1.2519.

Iza Saniyatun; Said Said; Idris Idris. Pengaruh Literasi Keuangan, Penggunaan Penggunaan Digital Payment, Gaya Hidup, dan Uang Saku terhadap Perilaku Konsumtif Generasi Z. Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan. 2026;4(1).

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