Business, Accounting and Management Journal
Vol. 3 No. 01 (2025)

SPENDING HABITS OF GEN Z: HOW FINANCIAL LITERACY, LIFESTYLE, AND SELF-CONTROL SHAPE CONSUMER BEHAVIOR IN YOGYAKARTA

Aliza, Nur (Unknown)
Wahyuningsih, Tri Harsini (Unknown)
Rafinda, Ascariena (Unknown)

Article Info

Publish Date
30 May 2025

Abstract

This study aims to analyze the influence of financial literacy, lifestyle, and self-control on the consumptive behavior of Generation Z in the Special Region of Yogyakarta. A quantitative approach was used, with data collected through an online questionnaire. The respondents consisted of 100 Generation Z individuals residing in the Special Region of Yogyakarta. The data collected were analyzed using multiple linear regression. The results showed that financial literacy has a significant positive effect on consumptive behavior, lifestyle has a significant positive effect on consumptive behavior, while self-control has a significant negative effect on consumptive behavior. The coefficient of determination of 71.6% indicates that these three variables collectively influence the consumptive behavior of Generation Z, while the remaining 28.4% is attributed to other variables not included in this study.

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Journal Info
Business, Accounting and Management Journal
Website

Abbrev

bamj

Publisher

PT Insains Scientific Publication

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Description

The Business, Accounting and Management Journal (BAMJ) has the mission to distribute, in the academic national and international environment, the results of scientific research from researcher and collaborators by publishing studies of high theoretical and applied science. The area of research ...