Pengaruh Gaya Hidup, Literasi Keuangan dan Pandemi Covid-19 Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Bina Darma Palembang
DOI:
https://doi.org/10.31851/jmwe.v19i3.9474Abstract
ABSTRAK
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Mahasiswa sebagai generasi muda akan banyak mengahadapi kompleksitas dan resiko-resiko keuangan di masa depan. Mahasiswa harus cerdas dan bijak dalam mengelola keuangannya, alternatif yang dapat dipakai ialah dengan tidak berperilaku konsumtif. Penelitian ini bertujuan untuk menganalisis pengaruh gaya hidup, literasi keuangan, dan pandemi covid-19 terhadap perilaku konsumtif mahasiswa ekonomi di Universitas Bina Darma Palembang. Metode kuantitatif digunakan dalam penelitian ini, menggunakan data primer dan kuisioner dalam pengumpulan data. Teknik simple random sampling disertai dengan menggunakan rumus slovin untuk menentukan besaran sampel dalam penelitian. Didapatkan 88 responden sebagai sampel. Uji instrumen meliputi uji validitas dan reabilitas, uji asumsi klasik dan analisis regresi linier sederhana dijadikan sebagai alat untuk pengujian. Terdapat pengaruh secara individu antara gaya hidup, literasi keuangan dan pandemi covid-19 terhadap perilaku konsumtif yang bisa dilihat berdasarkan hasil uji t. Hasil uji F menunjukkan adanya pengaruh secara signifikan dan simultan antara masing-masing variable x terhadap variable y.
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Kata kunci: gaya hidup, literasi keuangan, pandemi covid-19 dan perilaku konsumtif
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ABSTRACT
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Students as the younger generation will face many complexities and financial risks in the future. Students must be smart and wise in managing their finances, not behaving consumptively is one alternative that can be done. This study aims to analyze the influence of lifestyle, financial literacy, and the COVID-19 pandemic on the consumptive behavior of students from the Faculty of Economics and Business, Bina Darma University, Palembang. This research is a quantitative research. The data used is primary data. The method of data collection is by distributing questionnaires. The technique used in sampling is simple random sampling technique with the Slovin formula to determine the amount. Obtained 88 respondents as a sample. The tests were carried out using the instrument test, classical assumption test, and linear regression analysis. The results of this study based on the t-test indicate that lifestyle, financial literacy, and the covid-19 pandemic affect individual consumptive behavior. Based on the results of the F test, it shows that lifestyle, financial literacy, have a significant and simultaneous effect on the consumptive behavior of students from the Faculty of Economics and Business, Bina Darma University, Palembang.
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Keywords: lifestyle, literacy, covid-19 pandemic and consumptive behavior.References
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