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p-Index From 2021 - 2026
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All Journal Journal of Management and Digital Business
Erlinda Sholihah
Program Studi Manajemen, Sekolah Tinggi Ilmu Ekonomi Studi Ekonomi Modern
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Determinan perilaku konsumtif mahasiswa Gen Z: Peran literasi keuangan dan gaya hidup modern Catur Erviana Setyaningsih; Erlinda Sholihah; Risma Nurhapsari
Journal of Management and Digital Business Vol. 6 No. 2 (2026): Journal of Management and Digital Business
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jmdb.v6i2.2842

Abstract

Consumptive behavior is the tendency to purchase goods or services based on personal desires rather than rational needs, which is a concern in Ngawi Regency as one of the areas with a high poverty rate in East Java, especially among Generation Z who are vulnerable to excessive consumption. This study aims to analyze the influence of financial literacy and lifestyle on the consumptive behavior of Generation Z students in Ngawi Regency. The study uses an explanatory quantitative approach with the Structural Equation Modeling–Partial Least Squares (SEM-PLS) analysis technique using SmartPLS 4. Data were obtained through primary and secondary sources from Generation Z students at universities in Ngawi Regency. The results show that financial literacy and lifestyle have a positive and significant effect on the consumptive behavior of Generation Z students. These findings indicate that student consumptive behavior is influenced by the ability to manage finances and lifestyle patterns of individuals.
Co-Authors Catur Erviana Setyaningsih Risma Nurhapsari