PERILAKU KONSUMTIF GENERASI Z: PERAN LITERASI KEUANGAN DAN PENDAPATAN DI KOTA BOGOR

Authors

DOI:

https://doi.org/10.46576/bn.v9i1.7203

Keywords:

Financial Literacy, Income, Consumptive Behavior, Generation Z

Abstract

The purpose of this study is to determine the influence of financial literacy and income on the consumptive behavior of Generation Z in Bogor City.This study employed quantitative research. Data were collected using a Likert-scale questionnaire from 384 Generation Z respondents residing in Bogor City. This study employed regression analysis with SPSS 27 software. The results indicate that financial literacy and income have a positive and significant influence on the consumptive behavior of Generation Z in Bogor City.

References

Anjarwati, L., Hasyim, S. H., & Konsumtif, P. (2023). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Siswa Akuntansi Pada Sekolah Menengah Kejuruan di Kabupaten Gowa. 3(4), 47–54.

Asmin, E. A., Ali, M., Nohong, M., & Mardiana, R. (2021). The Effect of Financial Self-Efficacy and Financial Knowledge on Financial Management Behavior. Golden Ratio of Finance Management, 1(1), 15–26. https://doi.org/10.52970/grfm.v1i1.59

Azjen, I. (2005). The Theory of Planned Behavior an Human Desicion Processes. 5, 179–211.

Butar, I. G., Rachman, A. A., & Nurmala. (2024). Pengaruh Digital Payment, Pendapatan dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa (Studi Kasus Pada Mahasiswa Politeknik Negeri Lampung). Indo-Fintech Intellectuals: Journal of Economics and Business, 4(6), 3021–3035. https://ejournal.indo-intellectual.id/index.php/ifi/article/view/2423

Lubis, A. S., & Hanayani, R. (2022). Studi Teoretis Minat Generasi Z dalam Berwirausaha.

Ngampus, W., Telagawathi, N. L. W. S., & Yudiaatmaja, F. (2023). Pengaruh literasi keuangan, gaya hidup dan penggunaan uang elektronik terhadap perilaku konsumtif generasi milenial Kota Denpasar. Jurnal Manajemen Sumber Daya Manusia, Administrasi Dan Pelayanan Publik, VIII(I), 980–981. http://repo.undiksha.ac.id/id/eprint/14052

Pangestu, R., Mayasari, T., & Anggraeni, A. D. (2024). The Influence of Lifestyle, Financial Literacy and Income on the Consumptive Behavior of Students. Multidisciplanary Journal of Systemic and Innovative Research (MJSIS), 1, 2. https://journalwbl.com/index.php/mjsis/article/view/288

Rahma, S. U. U., Bukhari, E., & Prasetyo, E. T. (2022). Pengaruh Literasi Keuangan, Pendapatan dan Gaya Hidup Terhadap Perilaku Konsumtif Belanja Online Pada Masa Pandemi Covid-19. Jurnal Ilmiah Akuntansi Dan Manajemen, 18(1), 49–56. https://doi.org/10.31599/jiam.v18i1.1043

Sagala, L. A. G., Mulyadi, D., & Sandi, S. P. H. (2023). The Effect of Income, Financial Literacy and Self-Control on Consumptive Behavior In K-Pop Fans in Karawang under a Creative Commons Attribution-NonCommercial 4.0 International License (CC BY-NC 4.0). Jurnal Ekonomi, 12(03), 2023. http://ejournal.seaninstitute.or.id/index.php/Ekonomi

Setiawati, D. E., & Alam, I. A. (2024). The Effect of Income and Financial Literacy on the Consumptive Behavior of Shopee Paylater Users in Generation Z in Bandar Lampung City. International Journal Of Education, Social Studies, And Management (IJESSM), 3(3), 84–95. https://doi.org/10.52121/ijessm.v3i3.198

Siregar, Q. R., Jufrizen, & Simatupang, J. (2023). Pengaruh Pengetahuan Keuangan, Pendapatan, dan Gaya Hidup Terhadap Perilaku Keuangan Mahasiswa Asahan. Jurnal Akuntansi Dan Keuangan, 2(1), 44–49.

Published

2026-05-19

Issue

Section

ARTIKEL VOL. 9 NO. 1 2026