The Influence of Financial Literacy, Financial Inclusion and Consumptive Behavior on Student Interests in Management Department, Faculty of Economics and Business, Labuhanbatu University in Using Financial Institution Products and Services

Mulkan Ritonga, Furi Windari, Tiurlina Hasmawati Sihite, Muhammad Ali Al Ihsan, Marlina Siregar

Abstract


In increasing the interest of students to be involved in using the products and services of financial institutions, of course, students must have adequate financial knowledge or literacy, besides that students must also have easy and broad access to financial institution products and services (financial inclusion). Students' interest in using the products and services of financial institutions will be in line with their consumptive behavior in everyday life. This study aims to determine the effect of financial literacy, financial inclusion and consumptive behavior on student interest in using financial institution products and services. This research was conducted on students majoring in management, faculty of economics and business, Labuhanbatu University, totaling 133 people as a sample determined by simple random sampling technique. Testing of research primary data was conducted using IBM SPSS software version 20. To determine the effect between variables, a hypothesis test was carried out which first tested the classical assumption as a prerequisite for statistical analysis. The results showed that financial literacy partially had a positive and significant effect on student interest with a significance of 0.012 <0.05. Financial inclusion partially has a positive and significant effect on student interest with a significance value of 0.000 <0.05, consumptive behavior partially has a positive and significant effect on student interest. While simultaneously financial literacy, financial inclusion and consumptive behavior have a positive and significant effect on student interest with a significance value of 0.000 <0.05, with a contribution of 0.881 or 88.10% influence, while the rest is influenced by other factors not examined in this study.


Keywords


financial literacy; financial inklusion; consumtive behavior interest

Full Text:

PDF

References


Alawi, N. M., Asih, V. S., & Sobana, D. H. (2020). Pengaruh Literasi Keuangan Dan Inklusi Mahasiswa UIN Sunan Gunung Djati Bandung Terhadap Penggunaan Sistem Financial Technology. Jurnal Maps (Manajemen Perbankan Syariah), 4(1), 36–44.

Alfia, R., Nusantoro, J., & Darmayanti, E. F. (2020). Pengaruh Pemahaman Investasi, Literasi Keuangan Dan Efikasi Keuangan Terhadap Minat Mahasiswa Berinvestasi Di Pasar Modal (Studi Empiris Mahasiswa Akuntansi Universitas Muhammadiyah Metro).

Astuti, D. P., Nasution, S. L. A., & Prayoga, Y. (2021). Pengaruh Pengetahuan, Kemampuan, Disiplin Kerja Dan Komunikasi Terhadap Kinerja Karyawan Pada Pt. Master Cash & Credit Rantauprapat. Jurnal Manajemen Akuntansi (Jumsi), 1(1), 21-30.

Astuti, E. D. (2013). Perilaku Konsumtif Dalam Membeli Barang Pada Ibu Rumah Tangga Di Kota Samarinda. Psikoborneo: Jurnal Ilmiah Psikologi, 1(2).

Baihaqqy, M.R.I., et al. (2020). The Effect of Financial Literacy on the Investment Decision. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 3 (4): 3073-3083.

Batubara, N. S. U., Nasution, A. P., & Prayoga, Y. (2021). Pengaruh Citra Perusahaan, Kualita Pelayanan, Lokasi Dan Harga Terhadap Minat Beli Ulangtabung Gas Lpg 12 Kg Padapt. Jalahan Arta Primarantauprapat. Jurnal Manajemen Akuntansi (Jumsi), 1(1), 86-96.

Cohen, M., & Nelson, C. (2011). Financial Literacy: A Step For Clients Towards Financial Inclusion.Global Microcredit Summit, 14–17.

Hafsyah, A. H. (2020). Pengaruh Kepuasan Konsumen, Perilaku Konsumtif, Dan Gaya Hidup Hedonis Terhadap Transaksi Online (E-Commerce). Prisma (Platform Riset Mahasiswa Akuntansi), 1(6), 94–103.

Hannig, A., & Jansen, S. (2010). Financial Inclusion And Financial Stability: Current Policy Issues.

Lubis, A., Dalimunthe, R., and Situmeang, C. (2019). Antecedents Effect of Financial Inclusion for the People of North Sumatera. Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 2 (4): 401-408.

Lusardi, A., & Mitchell, O. S. (2017). How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy And Retirement Readiness. Quarterly Journal Of Finance, 7(03), 1750008.

Maula, H. S. (2021). Pengaruh Pengetahuan Tabungan Dan Perilaku Konsumtif Terhadap Minat Menabung Siswa Kelas Xi Ips Sma Negeri 3 Brebes. Universitas Pancasakti Tegal.

Miranda, S., & Lubis, E. E. (2017). Pengaruh Instagram Sebagai Media Online Shopping Fashion Terhadap Perilaku Konsumtif Mahasiswi Fakultas Ilmu Sosial Dan Ilmu Politik Universitas Riau. Riau University.

Muti’ah, R. (2016). Pengaruh Persepsi Siswa Terhadap Kompetensi Guru Dan Minat Belajar Terhadap Prestasi Belajar Siswa Di Kelas X Ma Swasta Nur Ibrahimy Rantauprapat Tahun Ajaran 2015/2016. Wahana Inovasi, 5(2).

Sarma, M. (2012). Index Of Financial Inclusion–A Measure Of Financial Sector Inclusiveness. Centre For International Trade And Development, School Of International Studies Working Paper Jawaharlal Nehru University. Delhi, India.

Setiawan, R. (2020). Pengaruh Literasi Keuangan Terhadap Minat Menabung (Studi Pada Mahasiswa STIA YPPT PRIATIM Tasikmalaya Tahun Akademik 2017/2018). JAK PUBLIK (Jurnal Administrasi & Kebijakan Publik), 1(1).

Sugiyono. (2016). Metode Kualitatif Dan Kuantitatif. Cetakan Ke-23. Alfabeta, Bandung.

Surat EdaranNomor 1/SEOJK.07/2014 Tentang Pelaksanaan Edukasi Dalam Rangka Meningkatkan Literasi Keuangan Kepada Konsumen Atau Masyarakat

Tehupelasuri, N. B., Askandar, N. S., & Mahsuni, A. W. (2021). Pengaruh Literasi Keuangan Dan Perilaku Keuangan Terhadap Minat Investasi Mahasiswa Feb Universitas Islam Malang. Jurnal Ilmiah Riset Akuntansi, 10(06).

Wulan Sari, Y. (2020). Pengaruh Literasi, Inklusi Keuangan Dan Perkembangan Financial Technology Terhadap Minat Mahasiswa Berinvestasi Di Pasar Modal (Studi Empiris Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Metro). Universitas Muhammadiyah Metro.

Zakaria, L. D., Afifudin, A., & Mawardi, M. C. (2020). Pengaruh Religiusitas, Fasilitas Layanan, Literasi Keuangan Dan Bagi Hasil Terhadap Minat Mahasiswa Untuk Menabung Di Bank Syariah. Jurnal Ilmiah Riset Akuntansi, 9 (11).




DOI: https://doi.org/10.33258/birci.v4i3.2168

Article Metrics

Abstract view : 598 times
PDF - 221 times

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.