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The Influence Of Financial Literacy, Social Environment And Self-Control On Consumptive Behavior With Buying Interest As A Mediating Variable

Journal of Economic Education · Vol. 14 No. 2 (2025) · hlm. 109–123

DOI
10.15294/jeec.v14i2.28573
ISSN
2301-7341
Terbit
2025-12-15
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

The phenomenon of consumerism has spread in society, including among teenagers who tend to show consumptive behavior due to a preference for novelty and the process of finding self-identity. Therefore, students as a group of highly educated teenagers need to develop self-control skills in consuming to avoid uncontrolled consumptive behavior. The purpose of this study is to analyze consumptive behaviors including financial literacy, social environment, self-control and buying interest. The data collection technique used questionnaires, while the data analysis technique used percentage descriptive analysis, inferential statistics, and multiple linear regression analysis. The results of the study show that financial literacy, social environment, and self-control have a positive effect on consumptive behavior. And the buying interest variable has been proven to play a mediator role in consumptive behavior. The advice given is for students to learn to increase awareness in responding to discounts, understand the financial landscape, pay attention to consumer reviews and testimonials, develop self-control, and foster rational buying interest. This study also advises future researchers to develop broader research statements and variables to strengthen the relevance of the research results and theories used.

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  • State University of Semarang
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Rekan penulisOrganisasiArtikel bersama
Agus WahyudinAfiliasi tidak diketahui3
Joko WidodoAfiliasi tidak diketahui2
Sucihatiningsih Dian Wisika PrajantiState University of Semarang2
Nina OktarinaAfiliasi tidak diketahui2
Muhammad KhafidAfiliasi tidak diketahui2
Rusdarti RusdartiAfiliasi tidak diketahui2
Wijang SakitriAfiliasi tidak diketahui2
WidiyantoAfiliasi tidak diketahui2
Jarot Tri Bowo SantosoAfiliasi tidak diketahui2
Nina FarlianaState University of Semarang1
Nina OktarinaState University of Semarang1
Adila Dhiya HanifaAfiliasi tidak diketahui1
Shavera Sofiana MaliaAfiliasi tidak diketahui1
Uswatun HasanahAfiliasi tidak diketahui1
Ilham RomadonaAfiliasi tidak diketahui1
Linda Ika WahyuntariAfiliasi tidak diketahui1
Eka Dian PuspitasariAfiliasi tidak diketahui1
Lavinia Elisa BerlianaAfiliasi tidak diketahui1
Ilma Ulfatul JanahAfiliasi tidak diketahui1
Nadya Astin SaraswatiAfiliasi tidak diketahui1
Ragil HaryantoAfiliasi tidak diketahui1
Mada SophianingrumAfiliasi tidak diketahui1
Mohamad ImronAfiliasi tidak diketahui1
Prasetyo Ari BowoAfiliasi tidak diketahui1
Reza Nadya Isabella PutriAfiliasi tidak diketahui1
Desy Ayu SafitriAfiliasi tidak diketahui1
Ngalimatul Ma’sumahAfiliasi tidak diketahui1
Septi Diana SariAfiliasi tidak diketahui1
Vina TaharaAfiliasi tidak diketahui1
Devi Ratna NingsihAfiliasi tidak diketahui1
Ika FitrianiAfiliasi tidak diketahui1
Zaroni ZaroniAfiliasi tidak diketahui1
Maldhimas Uut WardanaAfiliasi tidak diketahui1
Muhammad Fachri ZakiAfiliasi tidak diketahui1
Adnan Abdul SafiiAfiliasi tidak diketahui1
Andi Tidar FebriyantoAfiliasi tidak diketahui1
Mashuri MashuriAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jeec/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">The Influence Of Financial Literacy, Social Environment And Self-Control On Consumptive Behavior With Buying Interest As A Mediating Variable</dc:title>
	<dc:creator xml:lang="en">Rosyada, Irfatur</dc:creator>
	<dc:creator xml:lang="en">Rusdarti</dc:creator>
	<dc:creator xml:lang="en">Pujiati, Amin</dc:creator>
	<dc:subject xml:lang="en">Financial Literacy, Social Environment, Self-Control, Buying Interest, Consumptive Behavior </dc:subject>
	<dc:description xml:lang="en">The phenomenon of consumerism has spread in society, including among teenagers who tend to show consumptive behavior due to a preference for novelty and the process of finding self-identity. Therefore, students as a group of highly educated teenagers need to develop self-control skills in consuming to avoid uncontrolled consumptive behavior. The purpose of this study is to analyze consumptive behaviors including financial literacy, social environment, self-control and buying interest. The data collection technique used questionnaires, while the data analysis technique used percentage descriptive analysis, inferential statistics, and multiple linear regression analysis. The results of the study show that financial literacy, social environment, and self-control have a positive effect on consumptive behavior. And the buying interest variable has been proven to play a mediator role in consumptive behavior. The advice given is for students to learn to increase awareness in responding to discounts, understand the financial landscape, pay attention to consumer reviews and testimonials, develop self-control, and foster rational buying interest. This study also advises future researchers to develop broader research statements and variables to strengthen the relevance of the research results and theories used.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-12-15</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jeec/article/view/28573</dc:identifier>
	<dc:identifier>10.15294/jeec.v14i2.28573</dc:identifier>
	<dc:source xml:lang="en">Journal of Economic Education; Vol. 14 No. 2 (2025): December 2025; 109 - 123</dc:source>
	<dc:source>2301-7341</dc:source>
	<dc:source>10.15294/jeec.v14i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jeec/article/view/28573/7494</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Journal of Economic Education</dc:rights>
</oai_dc:dc>