PENGARUH LITERASI KEUANGAN DAN KONTROL DIRI TERHADAP PERILAKU KONSUMTIF SISWA PADA KELAS XI SMA NEGERI 20 MEDAN TAHUN AJARAN 2025/2026

Authors

  • Fitri Novi Yanti Munthe Universitas Negeri Medan
  • Charles Fransiscus Ambarita Universitas Negeri Medan

DOI:

https://doi.org/10.54314/jssr.v9i3.6284

Keywords:

Financial Literacy, Self-Control, Consumptive Behavior.

Abstract

Abstract: This research was motivated by the high level of consumptive behavior among class XI students at SMA Negeri 20 Medan, which is characterized by the habit of purchasing goods based on wants, following trends, and being less able to distinguish between needs and wants. The purpose of this study was to determine the influence of financial literacy and self-control on the consumptive behavior of class XI students at SMA Negeri 20 Medan. This study used a quantitative approach with an ex-post facto research design. The population in this study consisted of 155 class XI students at SMA Negeri 20 Medan. The sampling technique used was total sampling, so the entire population was used as the research sample. Data collection techniques were carried out through observation, documentation, and questionnaires using a Likert scale. The data analysis technique used was multiple linear regression.The results of the study showed the regression equation: Y = 40.433 – 0.053X1 – 0.037X2. Based on partial hypothesis testing, financial literacy (X1) had a negative and significant effect on students’ consumptive behavior (Y) with a tcount value of 2.486 > ttable 1.655 and a significance value of 0.014 < 0.05. Self-control (X2) also had a negative and significant effect on students’ consumptive behavior (Y) with a tcount value of 2.085 > ttable 1.655 and a significance value of 0,039< 0.05. Simultaneously, financial literacy and self-control had a significant effect on students’ consumptive behavior with an Fcount value of 60.486 > Ftable 3.06 and a significance value of 0.000< 0.05. The coefficient of determination (R²) showed that financial literacy and self-control contributed 64.4% to students’ consumptive behavior, while the remaining 35.6% was influenced by other variables outside this study. Based on the results of this study, it can be concluded that financial literacy and self-control have a negative and significant effect on the consumptive behavior of class XI students at SMA Negeri 20 Medan.

Keywords: Financial Literacy, Self-Control, Consumptive Behavior.

 

Abstrak: Penelitian ini dilatarbelakangi oleh tingginya perilaku konsumtif siswa kelas XI SMA Negeri 20 Medan yang ditandai dengan kebiasaan membeli barang berdasarkan keinginan, mengikuti tren, serta kurang mampu membedakan kebutuhan dan keinginan. Tujuan penelitian ini adalah untuk mengetahui pengaruh literasi keuangan dan kontrol diri terhadap perilaku konsumtif siswa pada kelas XI SMA Negeri 20 Medan. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian ex-post facto. Populasi dalam penelitian ini berjumlah 155 siswa kelas XI SMA Negeri 20 Medan. Teknik pengambilan sampel menggunakan total sampling sehingga seluruh populasi dijadikan sampel penelitian. Teknik pengumpulan data dilakukan melalui observasi, dokumentasi, dan angket dengan skala Likert. Teknik analisis data yang digunakan adalah regresi linear berganda.Hasil penelitian menunjukkan persamaan regresi yaitu: Y = 40,433 – 0,053X1 – 0,037X2. Berdasarkan uji hipotesis secara parsial menunjukkan bahwa literasi keuangan (X1) berpengaruh negatif dan signifikan terhadap perilaku konsumtif siswa (Y) dengan nilai thitung sebesar 2,486 > ttabel 1,655 dan nilai signifikansi 0,014 < 0,05. Kontrol diri (X2) juga berpengaruh negatif dan signifikan terhadap perilaku konsumtif siswa (Y) dengan nilai thitung sebesar 2,085 > ttabel 1,655 dan nilai signifikansi 0,039 < 0,05. Secara simultan, literasi keuangan dan kontrol diri berpengaruh signifikan terhadap perilaku konsumtif siswa dengan nilai Fhitung 60,486 > Ftabel 3,06 dan signifikansi 0,000 < 0,05. Hasil koefisien determinasi (R²) menunjukkan bahwa literasi keuangan dan kontrol diri memberikan pengaruh sebesar 64,4% terhadap perilaku konsumtif siswa, sedangkan sisanya 35,6% dipengaruhi oleh variabel lain di luar penelitian. Berdasarkan hasil penelitian dapat disimpulkan bahwa literasi keuangan dan kontrol diri berpengaruh negatif dan signifikan terhadap perilaku konsumtif siswa pada kelas XI SMA Negeri 20 Medan.

Kata Kunci: Literasi Keuangan, Kontrol Diri, Perilaku Konsumtif.

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Published

2026-06-09

Issue

Vol. 9 No. 3 (2026): June 2026

Section

Artikel

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