PENGARUH PENGENDALIAN DIRI DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA PENDIDIKAN EKONOMI UNIVERSITAS HKBP NOMMENSEN MEDAN TAHUN 2023

Abstract

The problem addressed in this research is the low level of self-control among economics education students with registration numbers 2019 and 2020. This study aims to examine the influence of self-control and financial literacy on the consumptive behavior of economics education students with registration numbers 2019 and 2020 at HKBP Nommensen University, Medan. The study involved a population of 63 economics education students with registration numbers 2019 and 2020. The sampling technique employed in this research was total sampling. Data collection methods included observation, documentation, and questionnaires. Classical assumption tests conducted consisted of normality testing, linearity testing, and multicollinearity testing. Data analysis techniques applied encompassed simple regression analysis, t-test (partial hypothesis testing), F-test (simultaneous hypothesis testing), and determination coefficient (R²). The research findings indicate that self-control (X₁) has a partial influence on consumptive behavior (Y), conversely, the financial literacy variable (X2) does not have an influence on consumptive behavior (Y). Simultaneous testing results indicate that there is an influence between self-control and financial literacy on consumptive behavior.