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All Journal Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Savitri, Frischa Anugerah
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Economics, Econometrics & Finance Education Social Sciences Other

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FINANCIAL LITERACY, LIFESTYLE, AND SELF-CONTROL MODERATION ON MILLENNIALS’ CONSUMPTIVE BEHAVIOR IN JAKARTA Savitri, Frischa Anugerah; Handarini, Dwi
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 6 No. 1 (2025): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0601.05

Abstract

This study investigates the relationship between financial literacy, lifestyle, and consumptive behaviour, with self-control as a moderating variable among the millennial sandwich generation in DKI Jakarta. From approximately 2 million millennials, an estimated 24.4% are classified as sandwich generation. Using this estimation and the Isaac and Michael table with a 5% margin of error, a sample of 350 respondents was selected through snowball sampling. A quantitative method was applied, and data were analysed using multiple linear regression (MLR) and moderated regression analysis (MRA) with SPSS version 29. The results reveal that financial literacy has a significant negative effect on consumptive behaviour, while lifestyle and self-control have significant positive effects. However, self-control does not moderate the effect of financial literacy or lifestyle on consumptive behaviour. These findings suggest that although self-control influences consumption directly, it does not alter the effects of other variables. This study emphasizes the importance of improving financial literacy as a key strategy to reduce consumptive behaviour, particularly among financially pressured groups like the sandwich generation.
Co-Authors Dwi Handarini, Dwi