Pengaruh E-commerce, Uang Saku, dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa di Masa Pandemi Covid-19

The Influence of E-commerce, Pocket Money, and Financial Literacy on Consumptive Behavior During the Covid-19 Pandemic

Perilaku konsumtif identik terjadi pada mahasiswa karena ada kemampuan dan fasilitas untuk berbelanja. Maksud dari dilakukannya penelitian adalah untuk menyelidiki pengaruh e-commerce, uang saku, dan literasi keuangan terhadap perilaku konsumtif mahasiswa selama pandemi coronavirus. Populasi yang digunakan adalah mahasiswa aktif Universitas Negeri Surabaya prodi Pendidikan Akuntansi yang berjumlah 173 mahasiswa. Sebanyak 121 mahasiswa dijadikan sampel dengan cara purposive sampling. Kuesioner digunakan sebagai instrumen dalam penelitian. Analisis data berupa Regresi Linier Berganda melalui aplikasi IBM SPSS Statistics 25 for Windows. Hasil diperoleh menyatakan (1) variabel e-commerce berpengaruh positif secara parsial dan signifikan terhadap perilaku konsumtif mahasiswa. (2) Variabel uang saku mempengaruhi perilaku konsumtif mahasiswa secara positif. (3) Literasi keuangan berpengaruh negatif dan signifikan terhadap perilaku konsumtif mahasiswa secara parsial. (4) Variabel e-commerce, uang saku, dan literasi keuangan secara simultan dan signifikan mempengaruhi perilaku konsumtif mahasiswa Pendidikan Akuntansi di masa pandemi virus corona sebanyak 72,7%. Sedangkan beberapa faktor lain diluar riset mempengaruhi sebesar 27,3%.

Identical consumptive behavior occurs in students because there are abilities and facilities to shop. The purpose of this research is to investigate the effect of e-commerce, pocket money, and financial literacy on the consumptive behavior of students during the coronavirus pandemic. The populace in this study were dynamic understudies of State University of Surabaya, majoring in Accounting Education, amounting to 173 students. A total of 121 students were sampled by purposive sampling. Questionnaires were used as research instruments to obtain respondent data. Data analysis in the form of Multiple Linear Regression through IBM SPSS Statistics 25 for Windows application. The outcomes obtained stated (1) the e-commerce variable had a partial and significant positive effect on the consumptive behavior of understudies. (2) The variable of pocket money affects the consumptive behavior of students positively. (3) Financial literacy has a negative and significant effect on the consumptive behavior of students partially. (4) The variables from e-commerce, pocket money, and financial literacy significantly and simultaneously affect the consumptive behavior of Accounting Education students in corona virus pandemic as much as 72.7%. While several other factors outside the research affect 27.3%.