Agustin, R. A. (2021). Pengaruh Literasi Ekonomi, Konformitas Teman Sebaya, dan Modernitas Terhadap Perilaku Konsumtif Mahasiswa IAIN Ponogoro. 115.
Ajzen, I. (20015). Attitudes, Persoality, and Behavior. USA: Open University Press. Ardyanti, N., & Kardoyo. .
Allgood, S., & Walstad, W. B. (2016). The effects of perceived and actual financial literacy on financial behaviors. Economic Inquiry, 54(1), 675–697. https://doi.org/10.1111/ecin.12255
Amaliya, L., Setiaji, K., Pd, S., Pd, M., & Artikel, S. (2017). Economic Education Analysis Journal Pengaruh Penggunaan Media Sosial Instagram,Teman Sebaya Dan Status Sosial Ekonomi Orangtua Terhadap Perilaku Konsumtif Siswa (Studi Kasus Pada Siswa Kelas XI SMA Negeri 1 Semarang) Info Artikel Abstrak. 6(3), 835–842. http://journal.unnes.ac.id/sju/index.php/eeaj
Anam, K. (2016). Hubungan Antara Konformitas dan Dukungan Orang Tua Terhadap Prokrastinasi Akademik Siswa SMP Negri 2 Samarinda. ejournal Psikologi. Volume 1 Nomor 5. Malang. Diterbitkan online (https://ejournal.psikologi.fisip-unmul.ac.id/site/?p=958).
Astuti, R.P.F. (2016). Pengaruh Status Sosial Ekonomi Orang Tua, Literasi Ekonomi dan Life Style terhadap Perilaku Konsumsi Mahasiswa Jurusan Pendidikan Ekonomi IKIP PGRI Bojonegoro. Jurnal Edutama, Volume 3 Nomor 2. Diterbitkan online
Bhandare, P. V., Guha, S., Chaudhury, R. H., & Ghosh, C. (2021). Impact of financial literacy models on the financial behavior of individuals: An empirical study on the Indian context. Strategic Change, 30(4), 377–387. https://doi.org/10.1002/jsc.2431
Bianchi, M. (2018). Financial Literacy and Portfolio Dynamics. Journal of Finance, 73(2), 831–859. https://doi.org/10.1111/jofi.12605
Bire, A. R., Sauw, H. M., & Maria, -. (2019). The effect of financial literacy towards financial inclusion through financial training. International Journal of Social Sciences and Humanities, 3(1), 186–192. https://doi.org/10.29332/ijssh.v3n1.280
Britt, S. L. (2016). The Intergenerational Transference of Money Attitudes and Behaviors. Journal of Consumer Affairs, 50(3), 539–556. https://doi.org/10.1111/joca.12113
Crossley, T. F., Schmidt, T., Tzamourani, P., & Winter, J. K. (2021). Interviewer effects and the measurement of financial literacy. Journal of the Royal Statistical Society. Series A: Statistics in Society, 184(1), 150–178. https://doi.org/10.1111/rssa.12617
Determinants of Consumption Behavior Among Students. 10(2), 136–144. https://doi.org/10.15294/dp.v10i2.5100.
Dewi, P. E. D. M., Martadinata, I. P. H., & Diputra, I. B. R. P. (2019). Analisis Hubungan Kecerdasan Emosional Dan Love of Money Terhadap Perilaku Etis Mahasiswa (Studi Empiris Pada Mahasiswa S1 Akuntansi Universitas Pendidikan Ganesha). Jurnal Ilmiah Akuntansi, 3(2), 154–170. https://doi.org/10.23887/jia.v3i2.16638
D.Mahrunnisya (2017) Pengaruh Kecerdasan Emosional dan Konformitas Teman Sebaya Melalui Money Attitude Terhadap Perilaku Konsumtif Pada Remaja SMA Negeri Kota Bandar Lampung. (Vol 3).
Fenton-O’Creevy, M., & Furnham, A. (2020). Money Attitudes, Personality and Chronic Impulse Buying. Applied Psychology, 69(4), 1557–1572. https://doi.org/10.1111/apps.12215
Fenton‐O’Creevy, M., & Furnham, A. (2020). Personality, ideology, and money attitudes as correlates of financial literacy and competence. Financial Planning Review, 3(1). https://doi.org/10.1002/cfp2.1070
Fiqriyah, Rizky, Hari Wahyono, and Ro’ufah Inayati. (2016). Pengaruh Pengelolaan Uang Saku, Modernitas, Kecerdasan Emosional, dan Pemahaman Dasar Ekonomi Terhadap Rasionalitas Perilaku Konsumsi Siswa Kels X IIS MAN 1 Malang. Jurnal Pendidikan Ekonomi Volume 9 Nomor 1–10.
Finke, M., & Huston, S. (2014). Personal Finance Issues. Investor Behavior: The Psychology of Financial Planning and Investing., 65–82.
Gabsir, Madituh (2020) Pengaruh Literasi Keuangan Dan Literasi Teknologi Terhadap Adopsi Uang Elektronik Pada Mahasiswa Fakultas Bisnis Dan Ekonomika Universitas Atma Jaya Yogyakarta. S1 thesis, Universitas Atma Jaya Yogyakarta.
Gerrans, P., & Heaney, R. (2019). The impact of undergraduate personal finance education on individual financial literacy, attitudes and intentions. Accounting and Finance, 59(1), 177–217. https://doi.org/10.1111/acfi.12247
Handayani, S., Patricia, N. L. 2014. Pengaruh Gaya Hidup Hedonis terhadap Perilaku Konsumtif Pada Pramugari Maskapai Penerbangan “X” (Versi Elektronik). Jurnal Psikologi, Volume 2 Nomor 1.
Harnish, R. J., Bridges, K. R., Nataraajan, R., Gump, J. T., & Carson, A. E. (2018). The impact of money attitudes and global life satisfaction on the maladaptive pursuit of consumption. Psychology and Marketing, 35(3), 189–196. https://doi.org/10.1002/mar.21079
Haryono, Sigit. 2011. Pengaruh Gaya Hidup Terhadap Consumer Ethnocentrism (Studi Pada Mahasiswa Di Yogyakarta). Jurnal Bisnis dan Manajemen, Vol. 3 No. 2.
Henchoz, C., Coste, T., & Wernli, B. (2019). Culture, money attitudes and economic outcomes. Swiss Journal of Economics and Statistics, 155(1). https://doi.org/10.1186/s41937-019-0028-4
Hotpascaman. 2009. Hubungan Antara Perilaku Konsumtif dengan Konformitas pada Remaja. Skripsi. Universitas Sumatera Utara : Repository USU.
Hidayah, N., & Bowo, P. A. (2019). Pengaruh Uang Saku, Locus of Control, Dan Lingkungan Teman Sebaya Terhadap Perilaku Konsumtif. Economic Education Analysis Journal, 7(3), 1025–1039. https://doi.org/10.15294/eeaj.v7i3.28337
Hubbard, E., Matthews, P., & Samek, A. (2016). Using online compound interest tools to improve financial literacy. Journal of Economic Education, 47(2), 106–120. https://doi.org/10.1080/00220485.2016.1146097
Inseng Duh, H., Yu, H., & Ni, Y. (2021). Chinese Millenials’ happiness and materialism: Explanations from two life-course theories, self-esteem, and money-attitudes. Journal of Consumer Affairs, 55(4), 1306–1332. https://doi.org/10.1111/joca.12368
Jannah, A. M., Murwatiningsih, M., & Oktarina, N. (2021). The Effect of Financial Literacy , Social Media , and Social Environment towards The Consumptive Behavior of Students at SMA Negeri Kabupaten Jepara. Journal of Economic Education, 10(2), 85–93. http://journal.unnes.ac.id/sju/index.php/jeec
Jasman, J., Fitria, A., Thaheransyah, T., & Sugita, S. (2022). Penerapan Layanan Bimbingan Kelompok untuk Meningkatkan Pemahaman Mahasiswa tentang Perilaku Konsumtif. Islamic Counseling : Jurnal Bimbingan Konseling Islam, 6(1), 123. https://doi.org/10.29240/jbk.v6i1.4171
Jerković, H. (2012). Radni Okvir Integracije Repozitorija Objekata Za Učenje Sa Sustavima Za Upravljanje Učenjem. 114, 155. https://doi.org/10.1002/ace
Joseph, D. L., Zemen, B., McCord, M. A., & Fado, S. (2019). Emotional Intelligence Training in Higher Education. New Directions for Teaching and Learning, 2019(160), 51–61. https://doi.org/10.1002/tl.20364
Kalmi, P., Trotta, G., & Kažukauskas, A. (2021). Energy-related financial literacy and electricity consumption: Survey-based evidence from Finland. Journal of Consumer Affairs, 55(3), 1062–1089. https://doi.org/10.1111/joca.12395
Kalwij, A., Alessie, R., Dinkova, M., Schonewille, G., van der Schors, A., & van der Werf, M. (2019). The Effects of Financial Education on Financial Literacy and Savings Behavior: Evidence from a Controlled Field Experiment in Dutch Primary Schools. Journal of Consumer Affairs, 53(3), 699–730. https://doi.org/10.1111/joca.12241
Karmila, Nurul (2022) Perilaku Keuangan Dan Literasi Keuangan Generasi Millenial Di Kota Makassar Dalam Berinvestasi. Thesis Thesis, Universitas Hasanuddin.
Khafida, A. A., & Hadiyati, F. N. R. (2020). Hubungan Antara Koformitas Teman Sebaya dengan Perilaku Konsumtif Pembelian Skincare di Marketplace Pada Remaja Putri SMA N 1 Kendal. Jurnal EMPATI, 8(3), 588–592. https://doi.org/10.14710/empati.2019.26501
Lu, X., Xiao, J., & Wu, Y. (2021). Financial literacy and household asset allocation: Evidence from micro-data in China. In Journal of Consumer Affairs (Vol. 55, Issue 4). https://doi.org/10.1111/joca.12406
Mann, W. R., & Fusfeld, D. R. (1970). Attitude sophistication and effective teaching in economics. Journal of Economic Education, 1(2), 111–129. https://doi.org/10.1080/00220485.1970.10845306
Maris, W. Y., & Listiadi, A. (2021). Pengaruh Lingkungan Teman Sebaya, Status Sosial Ekonomi Orang Tua, dan Literasi Keuangan Terhadap Perilaku Konsumtif dengan Locus of Control sebagai Variabel Intervening. Akuntabel, 18(3), 574–584.
Mawo, Thomas, S. (2017). Pengaruh Literasi Keuangan, Konsep Diri dan Budaya Terhadap Perilaku Konsumtif Siswa SMAN 1 Kota Bajawa. Journal of Economic Education, Volume 6 ((1), 60–65.
Meoli, M., Rossi, A., & Vismara, S. (2022). Financial literacy and security-based crowdfunding. Corporate Governance: An International Review, 30(1), 27–54. https://doi.org/10.1111/corg.12355
Mercan, N., Kahya, V., Alamur, B. (2014). A Research Regarding To Relationship Between Economic Literacy And Consumer Preferences In Knowledge Economy. European Journal of Research on Education. Special Issue 6.
Mohta, A., & Shunmugasundaram, V. (2022). Financial Literacy Among Millennials. International Journal of Economics and Financial Issues, 12(2), 61–66. https://doi.org/10.32479/ijefi.12801
Mueller, D. C. (2018). Corporate Governance and Neoclassical Economics. International Journal of the Economics of Business, 25(1), 47–64. https://doi.org/10.1080/13571516.2017.1374038
Mulyani, R., & Thomas, P. (2018). The Influence of Student Consumption, Social Status of Family,The Economic Parent Status, and The Economic Education of Family to Consumption Behavior. 24 Jee, 7(1), 24–30. http://journal.unnes.ac.id/sju/index.php/jeec
Murendo, C., & Mutsonziwa, K. (2016). Financial literacy and savings decisions by adult financial consumers in Zimbabwe Special Project Scientist , International Crops Research Institute for the Semi-Arid Tropics , P . O . * Corresponding author Acknowledgements The authors acknowledge FinMar. International Journal of Consumer Studies.
- Abstract viewed - 203 times
- PDF downloaded - 240 times
Affiliations
Atik Mufridatul Khasanah
Postgraduate, Universitas Negeri Semarang
Muhammad Khafid
Postgraduate, Universitas Negeri Semarang
Jarot Tri Bowo Santoso
Postgraduate, Universitas Negeri Semarang
The Impact of Financial Literacy, Emotional Intelligence, and Peer Conformity through Money Attitudes on Consumptive Behavior
Vol 11 No 1 (2022): June 2022
Submitted: May 12, 2023
Published: May 12, 2023
Abstract
This research examines students' consumptive behavior by presenting money attitude as an intervening variable mediated by the relationship between financial literacy and the purpose of emotional intelligence and peer conformity. In addition, ten hypotheses were proposed to ascertain whether the independent variables of financial literacy directly influence each other, emotional intelligence, and peer conformity, through the intervening variable of money attitude on the dependent variable consumptive behavior. The population in the quantitative research was 340 students. A sample of 170 respondents from SMA Negeri in Semarang City was selected using the cluster proportional random sampling method. Data collection using questionnaires, analysis of descriptive statistical data, and path analysis. The results shows: (1) financial literacy does not have a positive and insignificant direct impact on consumptive behavior, (2) a direct effect of emotional intelligence on consumptive behavior in a negative and significant way, (3) a direct impact of peer conformity on consumptive behavior significantly positive and significant, (4) the direct impact of money attitude on consumptive behavior is positive and significant, (5) the direct impact of financial literacy on money attitude is positive and significant, (6) the direct impact of emotional intelligence on money attitude is positive and significant, ( 7) the direct impact of peer conformity on money attitude is positive and significant, (8) the direct impact of financial literacy on consumptive behavior through money attitude is positive and significant, (9) the impact of emotional intelligence on consumptive behavior through money attitude is positive and significant, (10) direct impact peer conformity on consumptive behavior through money attitude in a positive and significant way.