Pengaruh Gaya Hidup dan Kemampuan Literasi Keuangan terhadap Perilaku Konsumtif Belanja Online

sardiyo sardiyo; Martini Martini

doi:10.33395/owner.v6i3.934

Authors

sardiyo sardiyo Universitas Bina Insan Lubuklinggau, Indonesia
Martini Martini Universitas Bina Insan Lubuklinggau, Indonesia

DOI:

10.33395/owner.v6i3.934

Keywords:

Consumptive Behavior;, Lifestyle;, Financial Literacy

Abstract

This study analyzes student consumptive behavior associated with lifestyle and financial literacy during the covid-19 pandemic. The study was conducted at 15 of the best universities in the province of South Sumatra, the version of Webometrics 2021. This study used a survey method by distributing questionnaires to students online. Based on the results of hypothesis testing, the structural equation model testing each indicator of lifestyle variables has a significant positive effect on student consumptive behavior and financial literacy has a significant negative effect on student consumptive behavior. Simultaneously lifestyle and financial literacy affect the consumptive behavior of students in online shopping in South Sumatra Province during the covid-19 pandemic. Lifestyle increases a person's consumptive behavior, but financial literacy is able to suppress consumptive behavior for better decision-making to shop online.

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