Pengaruh Penggunaan Electronic Money, Kartu Debit, Literasi Keuangan, dan Status Sosial Ekonomi Orang Tua Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Sumatera Utara

Abstract

This study aims to determine and analyze the effect of the use of Electronic Money, Debit Cards, Financial Literacy, Parents' Social Economic Status on Consumptive Behavior The Students of Economics Faculty and Business, University of Sumatera Utara. This kind of research is quantitative research. The object of this research is the students of Economics Faculty and Business, University of Sumatera Utara who are actively studying in 2016-2019, with an unknown population. The research sample consisted of 96 students who were determined by the Isaac Michael formula. The data of this study were obtained by distributing questionnaires to students of Economics Faculty and Business, University of Sumatera Utara who were actively studying, namely in 2016-2019. The analysis technique used in this research is descriptive statistical analysis and multiple linear regression analysis. The results of this study indicate that Electronic Money, Debit Cards, Financial Literacy, Parents' Socio economic Status simultaneously have a significant effect on α = 0.05 on the Consumptive Behavior The Students of Economics Faculty and Business, University of Sumatera Utara. Partially, at α = 0.05 the Financial Literacy variable has a negative and significant effect on the Consumer Consumptive Behavior The Students of Economics Faculty and Business University of Sumatera Utara, while the Electronic Money, Debit Card, and Parents' Socioeconomic Status positively and significantly influence Consumptive Behavior The Students of Economics Faculty and Business, University of Sumatera Utara.

Perilaku konsumtif mahasiswa Fakultas Ekonomi dan Bisnis Universitas Sumatera Utara tentu dipengaruhi oleh kondisi internal dan eksternal mahasiswa. Tinggi rendahnya perilaku konsumtif mahasiwa dapat dipengaruhi oleh banyak faktor. Penelitian ini bertujuan untuk mengetahui pengaruh Electronic Money, Kartu Debit, Literasi Keuangan, Status Sosial Ekonomi Orang Tua terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Sumatera Utara. Penelitian ini adalah penelitian kuantitatif. Adapun objek penelitian ini yaitu mahasiswa aktif stambuk 2016-2019 Fakultas Ekonomi dan Bisnis, dengan populasi tidak diketahui. Sampel penelitian ini berjumlah 96 orang responden ditentukan dengan rumus Isaac Michael. Metode analisis yang digunakan dalam penelitian ini adalah analisis deskriptif dan analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa, Electronic Money, Kartu Debit, Literasi Keuangan, Status Sosial Ekonomi Orang Tua, secara serempak, berpengaruh signifikan pada α = 0,05 terhadap Perilaku Konsumtif. Secara parsial, pada α = 0,05 variabel Literasi Keuangan berpengaruh negatif dan signifikan terhadap Perilaku Konsumtif, sedangkan variabel Electronic Money, Kartu Debit, dan Status Sosial Ekonomi Orang Tua berpengaruh positif dan signifikan terhadap Perilaku Konsumtif.