Impact of Financial Literacy and Interest in Saving on Consumptive Behavior

Case Study of Students at SMK 1 Kotamobagu

Authors

  • Henry J.D. Tamboto Universitas Negeri Manado, Minahasa, Indonesia
  • Listriyanti Palangda Universitas Negeri Manado, Minahasa, Indonesia

DOI:

https://doi.org/10.59653/ijmars.v3i02.1590

Keywords:

Financial Literacy, Interest in Saving, Consumptive Behavior

Abstract

This study aims to determine the impact of financial literacy and interest in saving on the consumer behavior of students at SMKN Kotamobagu. Consumer behavior among adolescents is increasing with easy access to technology and information, so adequate financial understanding and motivation to save from an early age are needed. The research method used is quantitative with a survey approach. Data collection techniques were carried out by distributing questionnaires to 63 students selected as samples using purposive sampling techniques. Data were analyzed using multiple linear regression to determine the effect of financial literacy variables and interest in saving on consumer behavior. The results of the analysis show that both financial literacy and interest in saving simultaneously have a significant effect on student consumer behavior. Partially, financial literacy has a significant negative effect on consumer behavior, which means that the higher the level of financial literacy, the lower the level of student consumption. Interest in saving also has a significant negative effect, indicating that students with high interest in saving tend to control consumer urges better. These findings emphasize the importance of strengthening financial literacy education and habituation of saving among students as a preventive measure against unhealthy consumption patterns.

Downloads

Download data is not yet available.

References

Andriani, D. (2021). Pengaruh Minat Menabung terhadap Perilaku Konsumtif Siswa SMA di Jakarta Selatan. Jurnal Pendidikan Ekonomi, 13(2), 112–120.

Asni, A., Wangi, N. M., & Aini, N. (2021). The effect of self management on consumptive behavior in students. Jurnal Konseling Dan Pendidikan, 9(1). https://doi.org/10.29210/152100

Asisi, I., & Purwantoro. (2020). Pengaruh literasi keuangan, gaya hidup dan pengendalian diri terhadap perilaku konsumtif mahasiswa prodi manajemen fakultas ekonomi Universitas Pasir Pengaraian. Jurnal Ilmiah Manajemen Dan Bisnis, 2(1), 107–118

Ayu, N. D., & Pratiwi, R. S. (2020). Pengaruh Literasi Keuangan dan Minat Menabung terhadap Perilaku Konsumtif Mahasiswa. Jurnal Ilmu Manajemen dan Bisnis, 11(2), 113–120

Burchi, A., Włodarczyk, B., Szturo, M., & Martelli, D. (2021). The effects of financial literacy on sustainable entrepreneurship. Sustainability (Switzerland), 13(9). https://doi.org/10.3390/su13095070

Damayanti, S., & Putri, M. R. (2020). Analisis Literasi Keuangan Siswa SMA dan Dampaknya terhadap Perilaku Konsumsi. Jurnal Pendidikan dan Ekonomi, 9(1), 45–52.

Dewi, A. F., & Sari, R. P. (2022). Pengaruh Literasi Keuangan terhadap Perilaku Konsumtif Mahasiswa. Jurnal Ekonomi dan Bisnis, 14(3), 233–240.

Dewi, V. I., Febrian, E., Effendi, N., & Anwar, M. (2020). Financial literacy among the millennial generation: Relationships between knowledge, skills, attitude, and behavior. Australasian Accounting, Business and Finance Journal, 14(4), 24–37

Fitri, A.D. (2013). Penerapan Strategi Pengelolaan Diri (Self Management) untuk Mengurangi Perilaku Konsumtif pada Siswa Kelas X-11 SMAN 15 Surabaya. UNESA Journal Mahasiswa Bimbingan dan Konseling. Vol. 1 (1): 26-36

Hayati, A., Yusuf, A. M., & Asnah, M. B. (2020). Contribution of Self Control and Peer Conformity to Consumptive Behavior. International Journal of Applied Counseling and Social Sciences, 1(2). https://doi.org/10.24036/005344ijaccs

Hermansson, C., & Jonsson, S. (2021). The impact of financial literacy and financial interest on risk tolerance. Journal of Behavioral and Experimental Finance, 29. https://doi.org/10.1016/j.jbef.2020.100450

Hikmah, Y. (2020). Literasi Keuangan pada Siswa Sekolah Dasar di Kota Depok, Provinsi Jawa Barat, Indonesia. Jurnal Pengabdian Kepada Masyarakat, 26(2), 103–108

Iradianty, A., & Azizah, P. Z. (2023). Analisis Pengaruh Literasi Keuangan, Sosialisasi Keuangan Keluarga, dan Uang Saku Terhadap Minat Menabung pada Siswa Usia Remaja Kota Yogyakarta. Jurnal Orientasi Bisnis Dan Entrepreneurship (JOBS), 4(1), 13–22

Jasman, Jasman, Anggi Fitria, Thaheransyah Thaheransyah, and Sri Sugita. (2022). Penerapan Layanan Bimbingan Kelompok Untuk Meningkatkan Pemahaman Mahasiswa Tentang Perilaku Konsumtif.” Islamic Counseling: Jurnal Bimbingan Konseling Islam 6(1): 123.

Kadoya, Y., & Khan, M. S. R. (2020). What determines financial literacy in Japan. Journal of Pension Economics and Finance, 19(3). https://doi.org/10.1017/S1474747218000379

Kumalasari, D., & Soesilo, Y. H. (2019). Pengaruh literasi keuangan, modernitas individu, uang saku dan kontrol diri terhadap perilaku konsumtif mahasiswa prodi S1 pendidikan ekonomi angkatan tahun 2016 fakultas ekonomi Universitas Negeri Malang. Jurnal Pendidikan Ekonomi, 12(1), 61–71.

Lone, U. M., & Bhat, S. A. (2024). Impact of financial literacy on financial well-being: a mediational role of financial self-efficacy. Journal of Financial Services Marketing, 29(1). https://doi.org/10.1057/s41264-022-00183-8

Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44.

Mauludin, Mauludin, Okianna Okianna, and Husni Syahrudin. (2021). Analisis Perubahan Perilaku Konsumtif Pada Mahasiswa Perantau (Studi Kasus Mahasiswa Pendidikan Ekonomi FKIP UNTAN). Jurnal Pendidikan dan Pembelajaran Khatulistiwa (JPPK) 10(3)

Muawaliyah, W., & Saifuddin, A. (2023). Consumptive Behavior in Female University Students: Qana’ah and Hedonic Lifestyle as Predictors. Islamic Guidance and Counseling Journal, 6(1). https://doi.org/10.25217/igcj.v6i1.3241

Nababan, D., & Sadalia, I. (2013). Personal Financial Literacy and Financial Behavior of College Students: Evidence from Indonesia. Journal of Business and Management, 3(5), 45–52.

Novianus, Y. (2023). Konsumtif: Indikator, Faktor, Dampaknya Dan Tips Mengatasinya. Cermati.

Nur, Anisa Fauzia dan Nurdin. (2019). Pengaruh Literasi Keuangan terhadap Perilaku Konsumtif. Universitas Islam Bandung

Priansa, D. J. (2017). Perilaku Konsumen dalam Persaingan Bisnis Kontemporer. (M. A. Firsada, Ed.) (1st ed.). Bandung: ALFABETA, CV

Putri, R., & Siregar, Q. R. (2022). Pengaruh Pengetahuan Keuangan, Sikap Keuangan Dan Literasi Keuangan Terhadap Perilaku Manajemen Keuangan Pada Pelaku UMKM Ayam Penyet Di Desa Laut Dendang. Jurnal Akmami (Akuntansi Manajemen Ekonomi), 3(3), 580- 592

Rahmatika, A. F., & Kusmaryani, R. E. (2020). Relationship between Conformity and Consumptive Behavior in Female Adolescents. Humaniora, 11(3). https://doi.org/10.21512/humaniora.v11i3.6567

Razen, M., Huber, J., Hueber, L., Kirchler, M., & Stefan, M. (2021). Financial literacy, economic preferences, and adolescents’ field behavior. Finance Research Letters

Razi, S., Syahrudin, H., & Budiman, J. (2023). Pengaruh Literasi Keuangan, Uang Saku, dan Gaya Hidup Terhadap Minat Menabung Mahasiswa Pendidikan Ekonomi FKIP Untan. Jurnal Edukasi Ekonomi, 1(1), 1–9

Sari, Y. R., & Yuliana, R. (2021). Hubungan Minat Menabung dan Gaya Hidup Konsumtif pada Remaja. Jurnal Psikologi Ulayat, 8(1), 90–101.

Sekita, S., Kakkar, V., & Ogaki, M. (2022). Wealth, Financial Literacy and Behavioral Biases in Japan: the Effects of Various Types of Financial Literacy. Journal of the Japanese and International Economies, 64. https://doi.org/10.1016/j.jjie.2021.101190

Silalahi, R. Y. B. (2020). Pengaruh literasi keuangan dan gaya hidup terhadap perilaku konsumtif berbelanja online. Khazanah Ilmu Berazam, 3(2), 191–200.

Downloads

Published

2025-05-14

How to Cite

Tamboto, H. J., & Palangda, L. (2025). Impact of Financial Literacy and Interest in Saving on Consumptive Behavior: Case Study of Students at SMK 1 Kotamobagu. International Journal of Multidisciplinary Approach Research and Science, 3(02), 529–541. https://doi.org/10.59653/ijmars.v3i02.1590