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Abstrak
The purpose of this study is to describe whether digital financial literacy has an effect on consumptive spending behavior Online in Generation Z. describes whether Financial Behavior Affects Shopping Consumptive Behavior Online in generation Z.
This type of research uses quantitative methods. Saturated sampling is used to distribute questionnaires to Generation Z to obtain data. The two forms of data analysis used in this study are multiple regression analysis and descriptive analysis approach. The data processing in this study uses IBM SPSS Statistics 26.
The results of the study show that: First, the results of the t-test hypothesis test (Partial) show that the significance value for the X1 variable is 0.04 < 0.05 and the t-calculation value is -2.960 < t-table 1.985 so that it is stated that digital financial literacy has a significant effect on spending consumptive behavior Online with the direction of the negative relationship, the second based on the hypothesis test of the t-test (partial) shows a significant value for the variable X2 of 0.00 < 0.05 with a t-calculated value of 12.530 < t-table 1.985, so it can be stated that Financial Behavior Have a significant effect on consumptive shopping behavior Online with the direction of positive relationships. The F value is calculated as 78.929 > F table 3.09 so that it is stated that there is an influence of variable X on variable Y together (simultaneously). Conclude that the hypothesis in this study is accepted, namely that there is an influence of digital financial literacy variables and Financial Behavior on consumer spending behavior Online generation Z in Pananrang Village, Mattiro Bulu District, Pinrang Regency.
Kata Kunci
Consumptive Behavior
Financial Literacy
Financial Behavior
Generation Z
Online Shopping
Rincian Artikel
Referensi
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Agung, and Zarah, Quantitative Research Methods. Yogyakarta: Pandiva Buku, 2016.
Ambarsari, M. D., & Asandimitra, N. The Influence of Financial Literacy, Lifestyle, Conformity, Money Attitude, and E-Money on the Consumptive Behavior of Generation Z Korean Wave Fans in Surabaya. Journal of Management Science, 550-564 2023
Aprilia & Hartoyo. "Sociological Analysis of Student Consumptive Behavior (Study on Students of Fisip University of Lampung)" in Journal of Sociology, Vol. 15, No. 1: 2014
Arief Budiman, Heru Nugroho, et al., Political Reform, Religious Awakening and Consumerism Yogyakarta: Interfidei, 2008
Arwin, S. E., & Sutrisno, S. P. Bank Health Management. Scholar Publisher.
Arwin, A., Sutrisno, S., & Nurfitriani, N. The impact of rising fuel oil prices on the elasticity of demand for basic necessities in Segiri Market, Samarinda City. Journal of Business and Economics Research (JBE), 4(1), 109-114.
Budi Setiawan, Practice Techniques of Social and Business Research Data Analysis with SPSS Yogyakarta 2015
Bukhari, E., Prasetyo, E. T., & Rahma, S. U. U. The Effect of Financial Literacy, Income and Lifestyle on Consumptive Behavior of Online Shopping During the Covid-19 Pandemic. Scientific Journal of Accounting and Management, 18(1), 49-56 2022
Csobanka, Z. E, The Z Generation. Acta Technologica Dubnicae volume 6, 2016, issue 2 DOI: 10.1515/atd-2016-0012, 2016.
Dew, J., & Xiao, J. J. The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43. 2011.
Engel, J.F.; Blackwell, R.D.; DAN Miniard, P.W., Consumer Behavior: Volume 1. Jakarta: Binarupa Aksara Publisher. 2010
Fatimah, N., & Susanti, S. The Effect of Financial Accounting, Financial Literacy, and Income Learning on the Financial Behavior of Students of the Faculty of Economics, University of Muhammadiyah Gresik. Journal of Accounting Education (JPAK), 6(1), 48-57, 2018
Frihatni, A. A. Comparative analysis of the income of traditional clothing traders with online business income. Scientific Journal of Management Accounting, 5(1), 1-8.
Frihatni, A. A. The Existence of Modern Mini Markets amidst Traditional Retail Market. International Journal of Science, Technology & Management, 1(3), 244-250
Gina Rahmawati and Elly Mirati, with the title "The Influence of Financial Literacy and Lifestyle on the Consumptive Behavior of Using Shopee Paylater in the Millennial Generation" Multidisciplinary Journal 2, no.5 : 2415 – 30, 2022
Ghozali, faith. Multivariate Analysis Applications with IBM SPSS 19 program, 3rd Edition.Semarang: Diponegoro University Publishing Board 2011
Haryanto, G. C. Differences in Internet Use, Social Media, and Perception in the World of Work by Generation Z's Year of Birth (Study on Students of the Faculty of Business and Economics, Atma Jaya University Yogyakarta) (Doctoral Dissertation, UAJY).
Indrayani, I., Aulia, N., & Arwin, A. The Influence of Education Training and Technology Utilization on the Performance of Junior High School Teachers in Sidrap Regency. Economos: Journal of Economics and Business, 5(1), 76-80.
Kotler.P.Marketing management; Analysis, planning, Implementation and control, Erlangga Jakarta. 2022
Mangkunegara. P.A., consumer behavior. PT:Eresco.Bandung 2002
Margono. Educational Research Methodology. Jakarta: Rineka Cipta 2009
Mike Feather Stone, Postmodernism and Consumer Culture, Translation. M.Z. Elisabeth, (Student Press: Yogyakarta, 2005)
Ningtyas, M. N. Financial literacy in the millennial generation. Asian Journal of Business and Economic Sciences, 13(1), 20-27 2019
Nofriansyah, M. Effect of Self-Concept, Reference Group, Online Shop Social Media, and Lifestyle on Consumptive Behavior of Students. Advances in Economicss and management research, volume 97 2019
Language Center of the National Education Department, the great dictionary of the Indonesian language,
Prihastuty, D. R., & Rahayuningsih, S. The influence of financial literacy, financial behavior, financial attitude, and demographics on consumptive behavior (study on strata I students of the Faculty of Economics, University of August 17, 1945 Surabaya). JHP17: Journal of Research Results, 3(02). 2018
Rachmawati, D. (2019). Welcoming gen Z in job world Proceeding Indonesian Carrier Center Network (ICCN) Summit 2019, 1(1), 21-24.
Rahayu, R. Analysis of Factors Affecting the Level of Digital Financial Literacy: A Study on Generation Z in Indonesia. Journal of Indonesian Accounting and Business Review, 6(1), 73-87. 2022
Rakhman, Y. A., & Pertiwi, T. K. Financial Literacy, Use of E-Money, Self-Control, and Lifestyle on Consumptive Behavior of Online Shopping. Journal of Management and Business, 5(1), 560-575, 2023.
Sandu Siyoto, and Ali Sodik, The Basis of Yogyakarta Research Methodology: Media Literacy Publishing, 2015
Sari, S. P. P. The Influence of Financial Literacy and Social Environment on Consumptive Behavior of Online Shopping of Sebelas March University Students 2023
Siregar, Syofian. Quantitative Research Methods Equipped with Manual Calculation Comparison & SPSS First Edition. Jakarta: PRENAMEDIA GROUP 2014
Silvia, Vivi. Descriptive Statistics. Yogyakarta: ANDI Publishers, 2021
Suharsimi Arikunto, "Research Procedures a Practical Approach," 2019.
Sugiyono, Qualitative Quantitative Research Methods , and R&D, Alphabet 2017
Compiling team of language center, Kamus Besar Indonesian Jakarta: Balai Pustaka, 2005
Umami, N., & Syofyan, R. The Effect of Digital Financial Literacy and Conformity on the Consumptive Behavior of Students of Padang State University. Journal of Mutual Understanding, 2(1), 341-354. 2023.
White, James Emery Meet Generation Z: Understanding and Reaching the New Post-Christian World Grand Rapids, Michigan: Baker Books, 2017
Referensi
Agung, and Zarah, Quantitative Research Methods. Yogyakarta: Pandiva Buku, 2016.
Ambarsari, M. D., & Asandimitra, N. The Influence of Financial Literacy, Lifestyle, Conformity, Money Attitude, and E-Money on the Consumptive Behavior of Generation Z Korean Wave Fans in Surabaya. Journal of Management Science, 550-564 2023
Aprilia & Hartoyo. "Sociological Analysis of Student Consumptive Behavior (Study on Students of Fisip University of Lampung)" in Journal of Sociology, Vol. 15, No. 1: 2014
Arief Budiman, Heru Nugroho, et al., Political Reform, Religious Awakening and Consumerism Yogyakarta: Interfidei, 2008
Arwin, S. E., & Sutrisno, S. P. Bank Health Management. Scholar Publisher.
Arwin, A., Sutrisno, S., & Nurfitriani, N. The impact of rising fuel oil prices on the elasticity of demand for basic necessities in Segiri Market, Samarinda City. Journal of Business and Economics Research (JBE), 4(1), 109-114.
Budi Setiawan, Practice Techniques of Social and Business Research Data Analysis with SPSS Yogyakarta 2015
Bukhari, E., Prasetyo, E. T., & Rahma, S. U. U. The Effect of Financial Literacy, Income and Lifestyle on Consumptive Behavior of Online Shopping During the Covid-19 Pandemic. Scientific Journal of Accounting and Management, 18(1), 49-56 2022
Csobanka, Z. E, The Z Generation. Acta Technologica Dubnicae volume 6, 2016, issue 2 DOI: 10.1515/atd-2016-0012, 2016.
Dew, J., & Xiao, J. J. The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43. 2011.
Engel, J.F.; Blackwell, R.D.; DAN Miniard, P.W., Consumer Behavior: Volume 1. Jakarta: Binarupa Aksara Publisher. 2010
Fatimah, N., & Susanti, S. The Effect of Financial Accounting, Financial Literacy, and Income Learning on the Financial Behavior of Students of the Faculty of Economics, University of Muhammadiyah Gresik. Journal of Accounting Education (JPAK), 6(1), 48-57, 2018
Frihatni, A. A. Comparative analysis of the income of traditional clothing traders with online business income. Scientific Journal of Management Accounting, 5(1), 1-8.
Frihatni, A. A. The Existence of Modern Mini Markets amidst Traditional Retail Market. International Journal of Science, Technology & Management, 1(3), 244-250
Gina Rahmawati and Elly Mirati, with the title "The Influence of Financial Literacy and Lifestyle on the Consumptive Behavior of Using Shopee Paylater in the Millennial Generation" Multidisciplinary Journal 2, no.5 : 2415 – 30, 2022
Ghozali, faith. Multivariate Analysis Applications with IBM SPSS 19 program, 3rd Edition.Semarang: Diponegoro University Publishing Board 2011
Haryanto, G. C. Differences in Internet Use, Social Media, and Perception in the World of Work by Generation Z's Year of Birth (Study on Students of the Faculty of Business and Economics, Atma Jaya University Yogyakarta) (Doctoral Dissertation, UAJY).
Indrayani, I., Aulia, N., & Arwin, A. The Influence of Education Training and Technology Utilization on the Performance of Junior High School Teachers in Sidrap Regency. Economos: Journal of Economics and Business, 5(1), 76-80.
Kotler.P.Marketing management; Analysis, planning, Implementation and control, Erlangga Jakarta. 2022
Mangkunegara. P.A., consumer behavior. PT:Eresco.Bandung 2002
Margono. Educational Research Methodology. Jakarta: Rineka Cipta 2009
Mike Feather Stone, Postmodernism and Consumer Culture, Translation. M.Z. Elisabeth, (Student Press: Yogyakarta, 2005)
Ningtyas, M. N. Financial literacy in the millennial generation. Asian Journal of Business and Economic Sciences, 13(1), 20-27 2019
Nofriansyah, M. Effect of Self-Concept, Reference Group, Online Shop Social Media, and Lifestyle on Consumptive Behavior of Students. Advances in Economicss and management research, volume 97 2019
Language Center of the National Education Department, the great dictionary of the Indonesian language,
Prihastuty, D. R., & Rahayuningsih, S. The influence of financial literacy, financial behavior, financial attitude, and demographics on consumptive behavior (study on strata I students of the Faculty of Economics, University of August 17, 1945 Surabaya). JHP17: Journal of Research Results, 3(02). 2018
Rachmawati, D. (2019). Welcoming gen Z in job world Proceeding Indonesian Carrier Center Network (ICCN) Summit 2019, 1(1), 21-24.
Rahayu, R. Analysis of Factors Affecting the Level of Digital Financial Literacy: A Study on Generation Z in Indonesia. Journal of Indonesian Accounting and Business Review, 6(1), 73-87. 2022
Rakhman, Y. A., & Pertiwi, T. K. Financial Literacy, Use of E-Money, Self-Control, and Lifestyle on Consumptive Behavior of Online Shopping. Journal of Management and Business, 5(1), 560-575, 2023.
Sandu Siyoto, and Ali Sodik, The Basis of Yogyakarta Research Methodology: Media Literacy Publishing, 2015
Sari, S. P. P. The Influence of Financial Literacy and Social Environment on Consumptive Behavior of Online Shopping of Sebelas March University Students 2023
Siregar, Syofian. Quantitative Research Methods Equipped with Manual Calculation Comparison & SPSS First Edition. Jakarta: PRENAMEDIA GROUP 2014
Silvia, Vivi. Descriptive Statistics. Yogyakarta: ANDI Publishers, 2021
Suharsimi Arikunto, "Research Procedures a Practical Approach," 2019.
Sugiyono, Qualitative Quantitative Research Methods , and R&D, Alphabet 2017
Compiling team of language center, Kamus Besar Indonesian Jakarta: Balai Pustaka, 2005
Umami, N., & Syofyan, R. The Effect of Digital Financial Literacy and Conformity on the Consumptive Behavior of Students of Padang State University. Journal of Mutual Understanding, 2(1), 341-354. 2023.
White, James Emery Meet Generation Z: Understanding and Reaching the New Post-Christian World Grand Rapids, Michigan: Baker Books, 2017
Ambarsari, M. D., & Asandimitra, N. The Influence of Financial Literacy, Lifestyle, Conformity, Money Attitude, and E-Money on the Consumptive Behavior of Generation Z Korean Wave Fans in Surabaya. Journal of Management Science, 550-564 2023
Aprilia & Hartoyo. "Sociological Analysis of Student Consumptive Behavior (Study on Students of Fisip University of Lampung)" in Journal of Sociology, Vol. 15, No. 1: 2014
Arief Budiman, Heru Nugroho, et al., Political Reform, Religious Awakening and Consumerism Yogyakarta: Interfidei, 2008
Arwin, S. E., & Sutrisno, S. P. Bank Health Management. Scholar Publisher.
Arwin, A., Sutrisno, S., & Nurfitriani, N. The impact of rising fuel oil prices on the elasticity of demand for basic necessities in Segiri Market, Samarinda City. Journal of Business and Economics Research (JBE), 4(1), 109-114.
Budi Setiawan, Practice Techniques of Social and Business Research Data Analysis with SPSS Yogyakarta 2015
Bukhari, E., Prasetyo, E. T., & Rahma, S. U. U. The Effect of Financial Literacy, Income and Lifestyle on Consumptive Behavior of Online Shopping During the Covid-19 Pandemic. Scientific Journal of Accounting and Management, 18(1), 49-56 2022
Csobanka, Z. E, The Z Generation. Acta Technologica Dubnicae volume 6, 2016, issue 2 DOI: 10.1515/atd-2016-0012, 2016.
Dew, J., & Xiao, J. J. The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43. 2011.
Engel, J.F.; Blackwell, R.D.; DAN Miniard, P.W., Consumer Behavior: Volume 1. Jakarta: Binarupa Aksara Publisher. 2010
Fatimah, N., & Susanti, S. The Effect of Financial Accounting, Financial Literacy, and Income Learning on the Financial Behavior of Students of the Faculty of Economics, University of Muhammadiyah Gresik. Journal of Accounting Education (JPAK), 6(1), 48-57, 2018
Frihatni, A. A. Comparative analysis of the income of traditional clothing traders with online business income. Scientific Journal of Management Accounting, 5(1), 1-8.
Frihatni, A. A. The Existence of Modern Mini Markets amidst Traditional Retail Market. International Journal of Science, Technology & Management, 1(3), 244-250
Gina Rahmawati and Elly Mirati, with the title "The Influence of Financial Literacy and Lifestyle on the Consumptive Behavior of Using Shopee Paylater in the Millennial Generation" Multidisciplinary Journal 2, no.5 : 2415 – 30, 2022
Ghozali, faith. Multivariate Analysis Applications with IBM SPSS 19 program, 3rd Edition.Semarang: Diponegoro University Publishing Board 2011
Haryanto, G. C. Differences in Internet Use, Social Media, and Perception in the World of Work by Generation Z's Year of Birth (Study on Students of the Faculty of Business and Economics, Atma Jaya University Yogyakarta) (Doctoral Dissertation, UAJY).
Indrayani, I., Aulia, N., & Arwin, A. The Influence of Education Training and Technology Utilization on the Performance of Junior High School Teachers in Sidrap Regency. Economos: Journal of Economics and Business, 5(1), 76-80.
Kotler.P.Marketing management; Analysis, planning, Implementation and control, Erlangga Jakarta. 2022
Mangkunegara. P.A., consumer behavior. PT:Eresco.Bandung 2002
Margono. Educational Research Methodology. Jakarta: Rineka Cipta 2009
Mike Feather Stone, Postmodernism and Consumer Culture, Translation. M.Z. Elisabeth, (Student Press: Yogyakarta, 2005)
Ningtyas, M. N. Financial literacy in the millennial generation. Asian Journal of Business and Economic Sciences, 13(1), 20-27 2019
Nofriansyah, M. Effect of Self-Concept, Reference Group, Online Shop Social Media, and Lifestyle on Consumptive Behavior of Students. Advances in Economicss and management research, volume 97 2019
Language Center of the National Education Department, the great dictionary of the Indonesian language,
Prihastuty, D. R., & Rahayuningsih, S. The influence of financial literacy, financial behavior, financial attitude, and demographics on consumptive behavior (study on strata I students of the Faculty of Economics, University of August 17, 1945 Surabaya). JHP17: Journal of Research Results, 3(02). 2018
Rachmawati, D. (2019). Welcoming gen Z in job world Proceeding Indonesian Carrier Center Network (ICCN) Summit 2019, 1(1), 21-24.
Rahayu, R. Analysis of Factors Affecting the Level of Digital Financial Literacy: A Study on Generation Z in Indonesia. Journal of Indonesian Accounting and Business Review, 6(1), 73-87. 2022
Rakhman, Y. A., & Pertiwi, T. K. Financial Literacy, Use of E-Money, Self-Control, and Lifestyle on Consumptive Behavior of Online Shopping. Journal of Management and Business, 5(1), 560-575, 2023.
Sandu Siyoto, and Ali Sodik, The Basis of Yogyakarta Research Methodology: Media Literacy Publishing, 2015
Sari, S. P. P. The Influence of Financial Literacy and Social Environment on Consumptive Behavior of Online Shopping of Sebelas March University Students 2023
Siregar, Syofian. Quantitative Research Methods Equipped with Manual Calculation Comparison & SPSS First Edition. Jakarta: PRENAMEDIA GROUP 2014
Silvia, Vivi. Descriptive Statistics. Yogyakarta: ANDI Publishers, 2021
Suharsimi Arikunto, "Research Procedures a Practical Approach," 2019.
Sugiyono, Qualitative Quantitative Research Methods , and R&D, Alphabet 2017
Compiling team of language center, Kamus Besar Indonesian Jakarta: Balai Pustaka, 2005
Umami, N., & Syofyan, R. The Effect of Digital Financial Literacy and Conformity on the Consumptive Behavior of Students of Padang State University. Journal of Mutual Understanding, 2(1), 341-354. 2023.
White, James Emery Meet Generation Z: Understanding and Reaching the New Post-Christian World Grand Rapids, Michigan: Baker Books, 2017