The Effect of Financial Literacy, Hedonism, and Self-Control on the Consumptive Behavior of Students in the Faculty of Economics and Business
Keywords:
Consumptive Behavior, Financial Literacy, Hedonism, Self-Control, StudentsAbstract
This study investigates the influence of financial literacy, hedonism, and self-control on the consumptive behavior of students at the Faculty of Economics and Business, Sumbawa University of Technology. Given the rapid advancements in technology and the pervasive influence of e-commerce and social media, understanding student consumption patterns has become increasingly critical. Employing a quantitative approach with a causal descriptive design, the research utilized a purposive sampling technique to select 100 students from the aforementioned faculty. Primary data was collected through questionnaires and subsequently analyzed using multiple linear regression. The findings indicate that financial literacy does not significantly influence student consumptive behavior. Despite theoretical understanding of financial management, its practical application is often undermined by immediate consumption temptations, such as aggressive online promotions. Conversely, hedonism exerts a positive and significant influence on consumptive behavior, highlighting that a lifestyle prioritizing instant gratification and social trends strongly drives excessive spending. Furthermore, self-control was found to have no significant impact on consumptive behavior, despite a negative directional tendency. This suggests that while students possess the capacity for self-regulation, external factors such as the ease of e-commerce and social pressures effectively diminish its effectiveness. Overall, the study concludes that hedonism is the dominant factor shaping student consumer behavior, with financial literacy and self-control currently insufficient in counteracting these consumptive tendencies among the surveyed respondents. This underscores the need for a holistic approach to financial education, integrating not only cognitive knowledge but also practical self-management and resilience against external influences.
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