Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Vol. 7 No. 1 (2026): January

Pengaruh Literasi Keuangan dan Gaya Hidup Modern Terhadap Perilaku Konsumtif Mahasiswa di Yogyakarta

Yuyun Wahyuni (STIE Isti Ekatana Upaweda Yogyakarta)
Rahmawati Cahyaningrum (STIE Isti Ekatana Upaweda Yogyakarta)



Article Info

Publish Date
08 Jan 2026

Abstract

The purpose of this study was to determine the significant influence of financial literacy and lifestyle on consumer behavior among students in Yogyakarta. The population in this study were active students in Yogyakarta. The sampling method used was purposive sampling, with the criteria being that respondents were still registered as active students and resided in Yogyakarta. A sample of 200 respondents was selected. The research instrument used validity and reliability tests. Data analysis used multiple linear regression. Hypothesis testing used t-tests and F-tests. The results showed that financial literacy had a negative and significant influence on consumer behavior. Meanwhile, lifestyle variables had a positive and significant influence on consumer behavior. This suggests that students who understand financial literacy will not engage in consumer behavior. Meanwhile, students with a modern lifestyle will engage in consumer behavior.

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Journal Info

Abbrev

jurnalemak

Publisher

Subject

Economics, Econometrics & Finance Other

Description

Jurnal Emak: Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan is a peer-reviewed journal. Ekombis invites academics and researchers who do original research in the fields of economics, management, and accounting, including but not limited to: Economics Monetary Economics, Finance, and Banking ...