Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa di Kabupaten Tasikmalaya Tahun 2024

Abstract

In this global era and with the rapid development of technology, everything seems to be easy. Students are expected to have financial literacy skills and a good lifestyle, which enables them to plan their finances for the future. However, behind all this, there is a tendency for students to be overly consumerist. Of course, this must be avoided by students. Therefore, the purpose of this research is to understand the factors such as lifestyle and financial literacy on the consumer behavior of students.

This study applies quantitative techniques. The sample taken is 100 respondents from students in Tasikmalaya Regency, consisting of students from Universitas Cipasung Tasikmalaya, Universitas Islam KH. Ruhiat Cipasung, Sekolah Tinggi Teknologi Cipasung, Universitas Perjuangan Tasikmalaya, Universitas Siliwangi, and Universitas Muhammadiyah Tasikmalaya. This study collected data through online questionnaires using Google Forms. The analysis used the SmartPLS 4 software with the Partial Least Squares (PLS) method. The results show  the lifestyle variable has an impact on student consumer behavior, while financial literacy has no impact on the consumer behavior of a student in Tasikmalaya Regency.