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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Jurnal Ekonomi, Manajemen, Akuntansi
Berlianti, Septiani
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Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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Pengaruh E-Commerce, Life Style, Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Universitas Palangka Raya Yudho Saputro, Adityo; Nurwati, Solikah; Evanggelion, Ekklesia; Beatrika, Jelly; Efrandi, Raendra; Berlianti, Septiani; Margaretha, Yolanda
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.9967

Abstract

Penelitian ini bertujuan untuk menganalisis secara empiris pengaruh E-Commerce, Lifestyle, dan Literasi Keuangan terhadap perilaku konsumtif mahasiswa Universitas Palangka Raya. Penelitian ini menggunakan pendekatan kuantitatif dengan desain deskriptif dan metode survei terhadap 100 responden mahasiswa aktif dari delapan fakultas. Instrumen penelitian divalidasi melalui uji validitas dan reliabilitas, sementara analisis data dilakukan dengan regresi linier berganda menggunakan perangkat lunak SPSS versi 23. Hasil analisis menunjukkan bahwa ketiga variabel independen yaitu E-Commerce, Lifestyle, dan Literasi Keuangan berpengaruh signifikan terhadap perilaku konsumtif, baik secara parsial maupun simultan. E-Commerce dan Life Style memiliki pengaruh positif, sedangkan Literasi Keuangan menunjukkan pengaruh negatif yang signifikan, mengindikasikan bahwa semakin tinggi literasi keuangan seseorang, semakin rendah kecenderungannya untuk bersikap konsumtif. Secara simultan, model ini mampu menjelaskan 69.1% variasi perilaku konsumtif mahasiswa, sementara sisanya dipengaruhi oleh faktor lain di luar model. Temuan ini memberikan kontribusi teoretis maupun praktis dalam upaya mengembangkan strategi edukasi keuangan dan pengelolaan konsumsi yang lebih bijak di era digital.
PENGARUH LITERASI KEUANGAN TERHADAP PENGAMBILAN KEPUTUSAN KEUANGAN DENGAN PERILAKU KEUANGAN SEBAGAI VARIABEL MEDIASI PADA SISWA SMAN 1 CEMPAGA HULU Berlianti, Septiani; Christa, Usup Riassy; Widyaningsih, Dhina Sri; Haga, Ronni
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 4 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v5i4.4594

Abstract

This study examines the effect of financial literacy on financial decision making with financial behavior as a mediating variable. The main problem addressed in this research is the inconsistency of individual financial decisions despite having access to various financial products and services. The objective of this study is to analyze the direct effect of financial literacy on financial decision making, the effect of financial literacy on financial behavior, the effect of financial behavior on financial decision making, and the mediating role of financial behavior in the relationship between financial literacy and financial decision making. This research uses a quantitative approach with data collected through questionnaires distributed to respondents. Data analysis was conducted using Structural Equation Modeling with the Partial Least Squares approach, supported by SmartPLS software. The results show that financial literacy has a positive and significant effect on financial decision making. Financial literacy also has a positive and significant effect on financial behavior. Furthermore, financial behavior positively and significantly influences financial decision making. The indirect effect test indicates that financial behavior partially mediates the relationship between financial literacy and financial decision making. These findings suggest that improving financial decision quality requires not only adequate financial knowledge but also the development of positive financial behavior. The study concludes that financial behavior plays an important role in translating financial literacy into better financial decision making.
Co-Authors Beatrika, Jelly Christa, Usup Riassy Efrandi, Raendra Evanggelion, Ekklesia Haga, Ronni Margaretha, Yolanda Solikah Nurwati Widyaningsih, Dhina Sri Yudho Saputro, Adityo