Pengaruh Literasi Keuangan, Gaya Hidup Hedonis, dan Self-Control Terhadap Perilaku Konsumtif pada Gen-Z

Abstract

Penelitian ini meneliti pengaruh literasi keuangan, gaya hidup hedonis, dan self-control terhadap perilaku konsumtif Generasi Z di Indonesia, baik secara parsial maupun simultan. Sebanyak 136 responden Gen Z berpartisipasi melalui kuesioner online yang dianalisis menggunakan regresi linier berganda (SPSS versi 22). Hasilnya menunjukkan bahwa Literasi Keuangan dan Gaya Hidup Hedonis berpengaruh signifikan secara individu, sementara self-control tidak. Namun, secara bersama-sama, ketiga variabel tersebut berpengaruh signifikan terhadap perilaku konsumtif. Ini menunjukkan bahwa perilaku konsumsi Gen Z dipengaruhi oleh kombinasi aspek finansial, gaya hidup, dan psikologis.This study examines how financial literacy, hedonistic lifestyle, and self-control affect the consumer behavior of Generation Z in Indonesia, both individually and together. Based on responses from 136 Gen Z participants via an online questionnaire, data were analyzed using multiple linear regression (SPSS v.22). Results show that financial literacy and hedonistic lifestyle significantly influence consumer behavior on their own, while self-control does not. However, all three factors combined have a significant overall impact. This suggests Gen Z's consumer behavior is influenced by financial understanding, lifestyle choices, and psychological factors.