STIEPEMUDASTIEPEMUDA

International Journal of Global Accounting, Management, Education, and EntrepreneurshipInternational Journal of Global Accounting, Management, Education, and Entrepreneurship

In the current Gen Z era, the majority of college students prefer to purchase products online rather than offline, as online purchases are more affordable than offline purchases. Given this phenomenon, researchers are interested in delving deeper into analyzing the influence of financial literacy and pocket money on consumer behavior, with lifestyle as a mediating variable, on economics education students at Universitas PGRI MPU Sindok. This study used a quantitative approach. This research was conducted in the Economics Education Study Program at Universitas PGRI MPU Sindok, with a population of 146 students in semesters 1, 3, 5, and 7. The sample size of this study was 20 students selected through proportional sampling using the Slovin formula with a 5% error rate. The data collection technique used a questionnaire. The data analysis technique used the SEM-PLS test with the help of the SmartPLS 4.0.9.2 software program. The results of the study were 1) Financial literacy has a positive and insignificant effect on consumption behavior, 2) Financial literacy has a positive and significant effect on lifestyle, 3) The amount of pocket money has a positive and insignificant effect on consumption behavior, 4) The amount of pocket money has a positive and significant effect on lifestyle, 5) Lifestyle has a positive and insignificant effect on consumption behavior, 6) Financial literacy has a positive and insignificant effect on consumption behavior through lifestyle, 7) The amount of pocket money has a positive and insignificant effect on consumption behavior through lifestyle.

Based on the research results, financial literacy has a positive but insignificant effect on consumer behavior.Financial literacy has a positive and significant effect on lifestyle.The amount of pocket money has a positive but insignificant effect on consumer behavior, and a positive and significant effect on lifestyle.Lifestyle has a positive but insignificant effect on consumption behavior.Furthermore, financial literacy and pocket money influence consumption behavior through lifestyle, exhibiting partial mediation.

Future research should explore the influence of other independent variables, beyond financial literacy and pocket money, on students consumption behavior, such as peer influence or social media exposure. Expanding the research population to include students from various majors and universities would enhance the generalizability of the findings. Additionally, a qualitative study could provide deeper insights into the motivations and decision-making processes behind students consumption patterns, complementing the quantitative results. Investigating the long-term effects of financial literacy interventions on students financial habits and well-being is also recommended. Finally, research could examine the role of cultural factors and family financial practices in shaping students consumption behavior and lifestyle choices, providing a more holistic understanding of the phenomenon.

  1. OSF. 0 doi.org/10.31237/osf.io/t9szmOSF 0 doi 10 31237 osf io t9szm
  2. Pengaruh Pendidikan Ekonomi Dalam Lingkungan Keluarga Terhadap Perilaku Konsumtif Siswa | Novitasari... doi.org/10.26858/jekpend.v4i1.15119Pengaruh Pendidikan Ekonomi Dalam Lingkungan Keluarga Terhadap Perilaku Konsumtif Siswa Novitasari doi 10 26858 jekpend v4i1 15119
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