PENGARUH KETERGANTUNGAN PENGGUNAAN TIKTOK SHOP DAN KECERDASAN FINANSIAL TERHADAP KUALITAS HIDUP GEN Z (STUDI KASUS PADA MAHASISWA SEMESTER VI DAN VIII PRODI PENDIDIKAN EKONOMI UNIVERSITAS BHINNEKA PGRI TULUNGAGUNG)

Devinta Eka Nurfadila (Universitas Bhinneka PGRI)
Bina Andari Nurmaning (Universitas Bhinneka PGRI)

EDUTECH : Jurnal Inovasi Pendidikan Berbantuan Teknologi
Vol. 6 No. 4 (2026)

This research was motivated by the ease of transactions and the massive exposure to digital commercial promotions on social commerce platforms, which trigger impulsive consumer behavior among the younger generation. These real-world issues lead to financial instability, emotional stress, and a compromised quality of life for university students. The study primarily focuses on analyzing the extent to which TikTok Shop usage dependency and financial intelligence—both individually and simultaneously—influence the quality of life of Generation Z students. A quantitative approach utilizing a survey design was employed, involving the distribution of a five-point Likert scale questionnaire. A simple random sampling technique, guided by the Yamane formula, was used to select 124 student respondents from the sixth and eighth semesters of the Economic Education Study Program at Universitas Bhinneka PGRI Tulungagung. Statistical data processing was conducted via multiple linear regression modeling using SPSS version 27 software. Empirically, the quantitative data revealed the estimated equation model: Y = 2.152 + 0.149X1 + 0.821X2. Individually, the TikTok Shop usage dependency variable yielded a t-statistic of 3.090 (p = 0.002), while financial intelligence recorded a t-statistic of 14.722 (p = 0.000). Simultaneous testing resulted in an F-statistic of 218.173 (p = 0.000) and an Adjusted R-squared coefficient of 0.778. The study concludes that controlling digital shopping addiction and enhancing personal financial management literacy are highly effective strategies for improving students' quality of life. ABSTRAK Kemudahan transaksi serta masifnya paparan promosi komersial digital di platform social commerce yang memicu perilaku konsumtif impulsif di kalangan generasi muda melatarbelakangi kegiatan penelitian ini. Masalah operasional lapangan tersebut memicu kerentanan ketidakstabilan finansial, tekanan emosional, serta distorsi terhadap taraf kesejahteraan hidup mahasiswa harian di kampus. Fokus utama kajian ilmiah ini adalah menganalisis besaran pengaruh ketergantungan penggunaan TikTok Shop dan kecerdasan finansial secara parsial maupun simultan terhadap kualitas hidup mahasiswa Generasi Z. Langkah-langkah pendekatan kuantitatif dengan desain survei ini dioperasikan menggunakan penyebaran instrumen kuesioner skala Likert lima tingkat. Penarikan sampel dijalankan menggunakan teknik simple random sampling berbantuan rumus Yamane yang menetapkan sejumlah 124 responden mahasiswa semester enam dan delapan Program Studi Pendidikan Ekonomi Universitas Bhinneka PGRI Tulungagung. Prosedur pengolahan data statistik dieksekusi melalui permodelan regresi linier berganda memakai perangkat lunak SPSS versi 27. Data kuantitatif secara empiris menyingkap model persamaan estimasi Y = 2,152 + 0,149X1 + 0,821X2. Secara parsial, variabel ketergantungan penggunaan TikTok Shop memperoleh nilai t-hitung sebesar 3,090 (p = 0,002), sedangkan kecerdasan finansial mencatatkan skor t-hitung sebesar 14,722 (p = 0,000). Pengujian simultan menghasilkan parameter F-hitung sejumlah 218,173 (p = 0,000) serta koefisien determinasi Adjusted R Square sebesar 0,778. Simpulan utama menegaskan bahwa integrasi pengendalian adiksi belanja digital dan peningkatan literasi manajerial keuangan pribadi terbukti sangat andal dalam mendongkrak kualitas hidup mahasiswa.