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All Journal Studi Akuntansi dan Bisnis Indonesia
Yohanes De Poseng
Universitas Nusa Cendana
Economics, Econometrics & Finance

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Financial Literacy, Income, Lifestyle, and Consumptive Behaviour among Student Workers Yohanes De Poseng; Rolland E. Fanggidae; Nikson Tameno
Studi Akuntansi dan Bisnis Indonesia Vol 2 No 2 (2026): April
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM), Sekolah Tinggi Ilmu Ekonomi Krakatau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61401/sabi.v2i2.491

Abstract

Purpose: This study examines the effects of financial literacy, income, and lifestyle on the consumptive behavior of student workers partnered with online transportation companies in Kupang, Indonesia. Methodology: This study used a quantitative survey of 100 student workers. Data were collected using questionnaires and analyzed using multiple linear regression with IBM SPSS Statistics 27. Results: Financial literacy had a significant negative effect on consumption behavior, whereas lifestyle had a significant positive effect. Income had no significant effect on the results. Simultaneously, the three variables significantly influenced consumption behavior, with an R² value of 0.336. Conclusions: Financial literacy and lifestyle are key determinants of the consumptive behavior of student workers, whereas income does not directly influence consumptive tendencies. Limitations: This study is limited to student workers in Kupang City and used a cross-sectional, self-reported survey design. Contribution: This study contributes to the behavioral finance literature by highlighting the importance of financial literacy and lifestyle control in reducing excessive consumption among gig economy student workers.
Co-Authors Rolland E. Fanggidae Tameno, Nikson