PENGARUH DIGITAL PAYMENT, GAYA HIDUP DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA (STUDI MAHASISWA GENERASI BARU INDONESIA (GenBI) SULAWESI TENGGARA)

Isti Adzah. Nim 2021050102001., I (2026) PENGARUH DIGITAL PAYMENT, GAYA HIDUP DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA (STUDI MAHASISWA GENERASI BARU INDONESIA (GenBI) SULAWESI TENGGARA). Other thesis, IAIN KENDARI.

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Abstract

ABSTRAK
Isti Adzah. Nim 2021050102001. “Pengaruh Digital Payment, Gaya
Hidup Dan Literasi Keuangan Terhadap Perilaku Konsumtif
Mahasiswa (Studi Mahasiswa Generasi Baru Indonesia (GenBI)
Sulawesi Tenggara)”. Melalui Pembimbing: Bapak Dr. Abdul
Wahid Mongkito, S.SI., M.EI. Dan Bapak Miftahur Rahman
Hakim, SEI., ME.
Penelitian ini bertujuan untuk mengetahui pengaruh digital
payment, gaya hidup dan literasi keuangan terhadap perilaku konsumtif
mahasiswa. Studi ini dilakukan pada mahasiswa Generasi Baru
Indonesia (GenBI) Sulawesi Tenggara. Metode yang digunakan dalam
penelitian ini adalah kuantitatif. Data dikumpulkan menggunakan
kuesioner skala likert yang disebarkan melalui google form. Sampel
pada penelitian sebanyak 154 mahasiswa GenBI Sulawesi Tenggara.
Dengan menggunakan teknik pengambilan sampel yaitu simpel random
sampling. Dianalisis menggunakan analisis regresi linear berganda
melalui perangkat lunak SPSS. Hasil penelitian uji T menunjukkan
bahwa variabel digital payment berpengaruh positif dan signifikan
terhadap perilaku konsumtif yang ditunjukkan dengan nilai t test
sebesar 5,971>1,975 artinya semakin tinggi tingkat penggunaan digital
payment semakin tinggi pula perilaku konsumtif mahasiswa GenBI.
Gaya hidup berpengaruh positif dan signifikan terhadap perilaku
konsumtif ditunjukkan dengan nilai t test 6,111>1,975 artinya semakin
tinggi gaya hidup mahasiswa GenBI semakin tinggi pula perilaku
konsumtif mereka. Literasi keuangan berpengaruh positif dan
signifikan terhadap perilaku konsumtif ditunjukkan dengan nilai t test
2,807>1,975 artinya semakin baik lietrasi keuangan yang mereka miliki
semakin tinggi pula perilaku konsumtif mahasiswa GenBI Sulawesi
Tenggara. Kemudian untuk uji f test semua variabel yang berada pada
rumusan masalah berpengaruh secara simultan baik perantar variabel
maupun keseluruhan variabel.
Kata kunci : Digital Payment, Gaya Hidup, Literasi Keuangan,
Perilaku Konsumtif

ABSTRACT
Isti Adzah. Nim 2021050102001. "The Influence of Digital
Payment, Lifestyle and Financial Literacy on Student Consumptive
Behavior (Study of Indonesian New Generation Students (GenBI)
Southeast Sulawesi)". Through the Supervisor: Mr. Dr. Abdul
Wahid Mongkito, S.SI., M.EI. And Mr. Miftahur Rahman Hakim,
SEI., ME.
This study aims to determine the influence of digital payment,
lifestyle and financial literacy on students' consumptive behavior. This
study was conducted on students of the Indonesian New Generation
(GenBI) Southeast Sulawesi. The method used in this study is
quantitative. Data was collected using a Likert scale questionnaire
distributed through google form. The sample in the study was 154
GenBI Southeast Sulawesi students. By using a sampling technique,
namely simple random sampling. It was analyzed using multiple linear
regression analysis through SPSS software. The results of the t-test
research show that the digital payment variable has a positive and
significant effect on consumptive behavior, which is shown by the t-test
value of 5,971>1,975, which means that the higher the level of digital
payment use, the higher the consumptive behavior of GenBI students.
Lifestyle has a positive and significant effect on consumptive behavior,
as shown by a t-test score of 6,111>1,975, meaning that the higher the
lifestyle of GenBI students, the higher their consumptive behavior.
Financial literacy has a positive and significant effect on consumptive
behavior, as shown by a t-test score of 2,807>1,975, meaning that the
better the financial literacy they have, the higher the consumptive
behavior of GenBI Southeast Sulawesi students. Then for the f test , all
variables in the formulation of the problem have an effect
simultaneously, both the intermediate variables and all variables.
Keywords : Digital Payment, Lifestyle, Financial Literacy,
Consumptive Behavior

Item Type: Thesis (Other)
Uncontrolled Keywords: Digital Payment, Gaya Hidup, Literasi Keuangan, Perilaku Konsumtif
Subjects: 300 Ilmu Sosial > 332 Ekonomi Keuangan > 332.024 Keuangan Pribadi
Divisions: Fakultas Ekonomi dan Bisnis Islam > Prodi Perbankan Syariah
Depositing User: Unnamed user with email [email protected]
Date Deposited: 03 Mar 2026 06:35
Last Modified: 03 Mar 2026 06:35
URI: http://digitallib.iainkendari.ac.id/id/eprint/4265

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