The Influence Of Financial Literacy, Peer Environment, and Digital Payment on Consumptive Behavior With Locus Of Control As Intervening
Kata Kunci:
Financial Literacy, Peer Environment, Digital Payment, Locus Of Control, Student Consumptive Behavior.Abstrak
The increasing development of technology has resulted in an increasing trend of shopping in e-commerce, especially Shopee. This phenomenon shapes the patterns and methods of student consumption changing over time from traditional patterns directly to a new model, namely shopping online. The purpose of this study was to determine the effect of financial literacy, peer environment, and digital payment on the consumptive behavior of Shopee students, Faculty of Economics, UNISRI, with locus of control as mediation. This research uses a quantitative approach. The data analysis technique uses linear regression analysis, t test, F test, coefficient of determination, and sobel test. Financial literacy has a significant influence on locus of control, according to the results of linear regression analysis with intervening variables and t test. On the other hand, peer environment does not have a significant influence on locus of control. In addition, locus of control, peers, and digital payment significantly affect consumptive behavior, while financial literacy does not significantly affect consumptive behavior. Locus of control functions as a mediator between financial literacy and consumptive behavior, but does not function as a mediator between peer environment and consumptive behavior. The results of the F test analysis in this study are appropriate. The coefficient of determination test results show the effect of the independent variable of 31.5% on the intervening variable and 19.5% on the dependent variable.
Referensi
Amalia, N., & Luthfi Hamdani, M. (2018 ). Analysis of the influence of financial attitudes, financial experience and personality on financial management behavior mediated by financial literacy. Fair Value: Scientific Journal of Accounting and
Finance, 4(5).
Andriani, B. F., Rosmanidar, E., & Diniah, Z. (2018 ). The Effect of Digital Payment ShopeePay and Locus of Control on Student Consumptive Behavior. Journal of Student Research (JSR),1 (e-ISSN: 2963-9697; p-ISSN: 2963-9859), 192-212.
https://doi.org/10.55606/jsr.v1i5
Bado, B., Hasan, M., & Isma, A. (2018 ). The Effect of Financial Literacy and Peer Associations on Consumptive Behavior Through Locus of Control as an Intervening Variable. Tambusai Education Journal,7 , 15604-15623. http://eprints.unm.ac.id/33576/%0Ahttp://eprints.unm.ac.id/33576/1/8843-Article Text-16594-1-10-2018 0812.pdf
Cialdini, R. (2006). Influence: The Psychology of Persuasion. Harper Business, 146.
Costigan, S. A., Barnett, L., Plotnikoff, R. C., & Lubans, D. (2013). The health indicators associated with screen-based sedentary behavior among adolescent girls: a systematic review. J Adolesc Health,52 (4), 382-392. https://doi.org/10.1016/j.jadohealth.2012.07.018
Dwi Agustin, I., & Izza Noor Abidin, F. (2018 ). The Influence of Financial Literacy, Financial Behavior, Digital Payment and Paylater on Student Consumptive Behavior in the Era of the Covid-19 Pandemic.. 1–8.
Firmansyah, & Dacholfany, M. I. (2018 ). No Title. In Electronic Money in Islamic Perspective (p. 25). CV. IQRO'.
Galvin, B. M., Randel, A. E., Collins, B. J., & Johnson, R. E. (2018 ). Changing the focus of locus (of control): A targeted review of the locus of control literature and agenda for future research. Journal of Organizational Behavior. https://doi.org/https://doi.org/10.1002/job.2275
Griffiths, M. D. (2017). Behavioral addiction: An issue for everybody? Employee Counselling Today. 29(4), 20–25.
Hirschi, T. (1969). Causes of delinquency.
Icek, A. (1991). Organizational Behavior and Human Decision Processes. The Theory of Planned Behavior, 50(2), 179–211.
Kahneman, D. (2011). Thinking, Fast and Slow. Farrar, Straus and Giroux.
Luhmann, M., Lucas, R. E., Eid, M., & Diener, E. (2013). The prospective effect of life satisfaction on life events. Social Psychological and Personality Science, 4(1), 39– 45.
Mahmuda, N. (2018 ). INFLUENCE OF FINANCIAL LITERACY, FINANCIAL EDUCATION IN FAMILY, AND FRIENDS ON PERSONAL FINANCIAL MANAGEMENT WITH LOCUS OF CONTROL AS AN INTERVENING
VARIABEL (Case Study on Accounting Students of UPN "Veteran" East Java).
Maris, W. Y., & Listiadi, A. (2017 ). The Effect of Peer Environment, Socioeconomic Status of Parents, and Financial Literacy on Consumptive Behavior with Locus of Control as an Intervening Variable. Accountable, 18(3), 574–584.
Musaharun, I., Kuwado, F. J., & Rudi, A. (2018 ). Which one wins Gen Z's heart? https://jeo.kompas.com/shopee-atau-tokopedia-mana-yang-juara-di-hati-gen-z Musthofa, M. A., Kurniati, R. R., & Hardati, R. N. (2020). The Influence of Consumer
Behavior on Digital Money Payment Systems. Jiagabi, 9(2), 175–184.
Novitasari, L., Budiyanti, N., Nufus, H., Ahyar, M., & Wulandari, P. (2018 ). Patterns of Student Consumptive Behavior Towards the Use of Online Shopping Applications Viewed from an Islamic Economic Perspective.
Ormrod, J. E. (2009). Educational Psychology. In Helping Students Grow and Develop.
Erlangga.
Puspita, Y. C. (2018 ). Use of Digital Payment in the Ovo Application. Journal of
Informatics Management, 09 (02), 121-128. https://jurnalmahasiswa.unesa.ac.id/inde x.php/journal managementinformatics/article/view/29471/26993
Ryan, R. M., & Deci, E. L. (2017). Self-Determination Theory: Basic Psychological Needs in Motivation, Development, and Wellness. Guilford Press, 57.
Sari, D. P. (2018 ). The Effect of Locus Of Control, Motivation and Job Satisfaction on Employee Performance of Bank Nagari Simpang Empat Branch West Pasaman. Journal of Ecobistek, 7(1), 9–18.
Sari, M. (2018 ). Knowing how much influence financial literacy, financial education in the family, and peers have on personal financial management with locus of control as an intervening variable is the purpose of this study. Quantitative research d.
Slavin, R. E. (2011). Cooperative Learning Theory, Research and Practice. Nusa Media.
Sufatmi, N., & Purwanto, E. (2017 ). the Effect of Financial Literature, Lifestyle, and Self-Control on Consumption Behavior on Online Shopping by State Students of State Universities in Surabaya. Journal of Balance Economics,17 (2), 317-324. https://doi.org/10.26618/jeb.v17i2.6207
Suldo, S. M., Minch, D. R., & Hearon, B. V. (2015). Adolescent Life Satisfaction and Personality Characteristics: Investigating Relationships Using a Five Factor Model. Journal of Happiness Studies, 965–983.
Sumartono. (2002). Trapped in advertising: Looking at the impact of television advertising messages. Alfabeta.
Suminar, E., & Meiyuntari, T. (2015). 2015. Persona: Indonesian Journal of Psychology, 4(02), 402–419.
Sussman, R. W. (2011). Origins of cooperation and prosocial behavior. In Genetics and the behavior of domestic animals.
Warmath, D., & Zimmermsn, D. (2018 ). Financial Literacy as More than Knowledge: The Development of a Formative Scale through the Lens of Bloom's Domains of Knowledge. Financial Literacy and Education. https://doi.org/10.1111/joca.12286
Yushita, A. N. (2017). The Importance of Financial Literacy for Personal Financial Management. Nominal, Barometer of Accounting and Management Research,6 (1). https://doi.org/10.21831/nominal.v6i1.14330
Zulmi, Y. (2012). The Effect of Financial Literacy, Lifestyle, and Conformity on the Consumptive Behavior of Accounting Education Students. Thesis.
