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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) · pp. 109–123

DOI
10.15294/jeec.v14i2.28573
ISSN
2301-7341
Published
2025-12-15
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

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.

Keywords

Collaboration network of the authors

40 authors · 71 co-authorship links · showing the 40 most connected

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  • State University of Semarang
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Nina OktarinaAffiliation unknown3
Agus WahyudinAffiliation unknown3
Joko WidodoAffiliation unknown2
Sucihatiningsih Dian Wisika PrajantiState University of Semarang2
Muhammad KhafidAffiliation unknown2
Rusdarti RusdartiAffiliation unknown2
Wijang SakitriAffiliation unknown2
WidiyantoAffiliation unknown2
Jarot Tri Bowo SantosoAffiliation unknown2
Nina FarlianaAffiliation unknown1
Adila Dhiya HanifaAffiliation unknown1
Shavera Sofiana MaliaAffiliation unknown1
Uswatun HasanahAffiliation unknown1
Ilham RomadonaAffiliation unknown1
Linda Ika WahyuntariAffiliation unknown1
Eka Dian PuspitasariAffiliation unknown1
Lavinia Elisa BerlianaAffiliation unknown1
Ilma Ulfatul JanahAffiliation unknown1
Nadya Astin SaraswatiAffiliation unknown1
Ragil HaryantoAffiliation unknown1
Mada SophianingrumAffiliation unknown1
Mohamad ImronAffiliation unknown1
Prasetyo Ari BowoAffiliation unknown1
Reza Nadya Isabella PutriAffiliation unknown1
Desy Ayu SafitriAffiliation unknown1
Ngalimatul Ma’sumahAffiliation unknown1
Septi Diana SariAffiliation unknown1
Vina TaharaAffiliation unknown1
Devi Ratna NingsihAffiliation unknown1
Ika FitrianiAffiliation unknown1
Zaroni ZaroniAffiliation unknown1
Maldhimas Uut WardanaAffiliation unknown1
Muhammad Fachri ZakiAffiliation unknown1
Adnan Abdul SafiiAffiliation unknown1
Andi Tidar FebriyantoAffiliation unknown1
Mashuri MashuriAffiliation unknown1
Hana Yunita AnggrainiAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jeec/oai, first harvested 6 Nov 2026, last seen 6 Nov 2026.
Original metadata (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>
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