PENGARUH LITERASI KEUANGAN, DIGITAL PAYMENT DAN GAYA HIDUP TERHADAP PERILAKU KONSUMTIF BELANJA ONLINE MAHASISWA UNIVERSITAS TEKNOLOGI SUMBAWA

Abstract

This study aims to determine the influence of partial and simultaneous financial literacy, digital payments, and lifestyle on the consumptive behavior of online shopping case studies of Sumbawa University of Technology students. This research is a quantitative descriptive study. The type of data used, namely primary data, was obtained from questionnaire results data distributed to students of Sumbawa University of Technology as well as active student data from the student affairs department. In addition, secondary data were obtained from data from literature studies conducted by researchers. The sample in this study was 361 respondents who were active students of Sumbawa University of Technology who had done online shopping and transactions with digital payments. Data analysis tools using SPSS 25 include descriptive statistical analysis, data quality testing, classical assumption testing, multiple linear regression analysis, and hypothesis testing. The results showed that partially financial literacy had a negative and significant effect, while digital payments and lifestyle had a positive and significant effect on the consumptive behavior of online shopping of Sumbawa University of Technology students. Meanwhile, simultaneously financial literacy, digital payments, and lifestyle have a