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Meilani Al Rahmatia, Sinar Cahyani, Septi Ramdayanti, Cici Awalia
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Public Health Social Sciences

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PENGARUH LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA Meilani Al Rahmatia, Sinar Cahyani, Septi Ramdayanti, Cici Awalia
Integrative Perspectives of Social and Science Journal Vol. 2 No. 03 Juni (2025): Integrative Perspectives of Social and Science Journal
Publisher : PT Wahana Global Education

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Abstract

This study aims to analyze the influence of financial literacy on student consumer behavior. The phenomenon of increasing consumer behavior among students is a serious concern because it can have an impact on their personal financial condition. The research method used is quantitative with a survey approach to students from the Sumbawa University of Technology. The instrument used is a questionnaire that measures the level of financial literacy and the tendency of consumer behavior of respondents. The results of the regression analysis show that financial literacy has a negative and significant effect on student consumer behavior. This means that the higher the level of financial literacy, the lower the level of student consumer behavior. This finding indicates the importance of early financial education to form wiser consumption behavior. This study is expected to be a reference for educational institutions in designing financial literacy programs for students.
PARADIGMA AKUNTANSI SEKTOR PUBLIK: PERKEMBANGAN DAN TANTANGAN DI ERA DIGITAL Meilani Al Rahmatia, Sinar Cahyani, Septi Ramdayanti, Cici Awalia
Integrative Perspectives of Social and Science Journal Vol. 2 No. 03 Juli (2025): Integrative Perspectives of Social and Science Journal
Publisher : PT Wahana Global Education

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This study aims to analyze the influence of financial literacy on student consumer behavior. The phenomenon of The development of digital technology has brought fundamental changes to public sector accounting systems. The traditional paradigm, which was manual and administrative in nature, has shifted toward a more open, transparent, and technology-based system. Public sector accounting now focuses not only on financial reporting but also on enhancing public service delivery, budget efficiency, and citizen engagement through digital platforms. This transformation demands reform in policies, information systems, and human resource competencies. However, digitalization also presents several significant challenges. Technological infrastructure gaps, low levels of digital literacy, and issues of data security and privacy are major obstacles in implementing digital public accounting. Additionally, existing regulations have not fully adapted to technological advancements, making digital integration less than optimal. Therefore, institutional strengthening strategies, capacity building, and the formulation of responsive policies are essential to ensure that transparency and public accountability objectives are achieved effectively in the digital era.
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