Proceedings of the International Conference of Learning on Advance Education (ICOLAE 2021)

Analysis of the Effects of Students’ Personal Financial Literature on Consumptive Behavior at Universitas Muhammadiyah Surakarta

Authors
Desyntia Fatmawati*, Harsono
Accounting Education, Universitas Muhammadiyah Surakarta, Surakarta, Indonesia
*Corresponding author. Email: a210180145@student.ums.ac.id
Corresponding Author
Desyntia Fatmawati
Available Online 14 May 2022.
DOI
https://doi.org/10.2991/assehr.k.220503.069How to use a DOI?
Keywords
Financial Literacy; Consumptive Behavior; Students
Abstract

According to a poll conducted by Kompas Indonesia, students are more likely to behave consumptively. Consumptive conduct is the outcome of a person’s lack of financial knowledge. Consumptive behavior means consuming goods or services in excess, not based on need. As a result, individuals lose control over themselves. The purpose of this study is to describe the influence of finance on consumptive behavior. The effect of financial literacy variables on students’ consumptive behavior was measured using a quantitative approach in this study. Students from Universitas Muhammadiyah Surakarta were the population. In the sampling method, the researchers used a simple random sampling technique. The data for this study were collected using a questionnaire or a questionnaire via a Google Form and then analyzed using a simple regression test. Based on the results of simple linear regression analysis and T-test, financial literacy had a significant negative effect on the consumptive behavior of students at Universitas Muhammadiyah Surakarta. A person with a high understanding of financial literacy has a better economic life, makes financial decisions easier for him, and has lower consumptive behavior.

Copyright
© 2022 The Authors. Published by Atlantis Press SARL.
Open Access
This is an open access article distributed under the CC BY-NC 4.0 license.

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Volume Title
Proceedings of the International Conference of Learning on Advance Education (ICOLAE 2021)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
14 May 2022
ISBN
978-94-6239-577-0
ISSN
2352-5398
DOI
https://doi.org/10.2991/assehr.k.220503.069How to use a DOI?
Copyright
© 2022 The Authors. Published by Atlantis Press SARL.
Open Access
This is an open access article distributed under the CC BY-NC 4.0 license.

Cite this article

TY  - CONF
AU  - Desyntia Fatmawati
AU  - Harsono
PY  - 2022
DA  - 2022/05/14
TI  - Analysis of the Effects of Students’ Personal Financial Literature on Consumptive Behavior at Universitas Muhammadiyah Surakarta
BT  - Proceedings of the International Conference of Learning on Advance Education (ICOLAE 2021)
PB  - Atlantis Press
SP  - 693
EP  - 700
SN  - 2352-5398
UR  - https://doi.org/10.2991/assehr.k.220503.069
DO  - https://doi.org/10.2991/assehr.k.220503.069
ID  - Fatmawati2022
ER  -