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All Journal Moneter : Jurnal Ekonomi dan Keuangan
Salsabil Marsselia
Universitas Bina Darma
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh Lingkungan Sosial, Self Control, dan Perilaku Keuangan terhadap Gaya Hidup Konsumtif Mahasiswa Generasi Z di Kota Palembang Salsabil Marsselia; Andrian Noviardy; Siti Nurhayati Nafsiah; Wiwin Agustian
Moneter : Jurnal Ekonomi dan Keuangan Vol. 4 No. 4 (2026): Oktober : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v4i4.2616

Abstract

This study aims to determine the influence of the social environment, self-control, and financial behavior on the consumptive lifestyle of Generation Z in Palembang. The study was conducted among students at Bina Darma University using a quantitative approach through a survey and questionnaire distribution. The research sample consisted of 200 respondents determined using the Slovin formula. Data analysis was performed using descriptive statistics and multiple linear regression, including partial and simultaneous tests. The results indicate that, when analyzed partially, the social environment has a positive and significant effect on the consumptive lifestyle, whereas self-control and financial behavior do not have a significant effect. Simultaneously, the social environment, self-control, and financial behavior have a significant effect on Generation Z’s consumerist lifestyle. The results of the descriptive analysis show that the social environment still influences consumption behavior, even though the tendency toward a consumerist lifestyle among Generation Z is relatively low. This situation highlights the importance of self-control and financial behavior in maintaining healthy consumption patterns.
Co-Authors Noviardy, Andrian Siti Nurhayati Nafsiah Wiwin Agustian