Pengaruh Literasi Keuangan dan Pergaulan Teman Sebaya Terhadap Perilaku Konsumtif Melalui Locus of Control Sebagai Variabel Intervening
DOI:
https://doi.org/10.31004/jptam.v7i2.8843Keywords:
Literasi Keuangan, Pergaulan Teman Sebaya, Locus of Control, Perilaku KonsumtifAbstract
Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan pergaulan teman sebaya terhadap perilaku konsumtif melalui locus of control sebagai variabel intervening (studi kasus siswa SMKS YPKK Limbung di Kabupaten Gowa). Dalam metode Penelitian ini menggunakan analisis kuantitatif deskriptif sebagai metodologi kuantitatifnya. Penelitian ini menggunakan teknik pengambilan sampel probabilitas yang dikombinasikan dengan metode pemilihan acak sederhana untuk memilih sampel sebanyak 82 peserta dari SMK YPKK Limbung. Analisis jalur dari penelitian ini diuji dengan menggunakan uji sobel, bersama dengan prosedur pengujian instrumen. Hasil penelitian ini menunjukkan bahwa literasi keuangan memiliki dampak positif dan signifikan terhadap perilaku konsumtif; pergaulan teman sebaya memiliki dampak positif dan signifikan terhadap perilaku konsumtif; dan locus of control memiliki dampak positif dan signifikan terhadap perilaku konsumtif; literasi keuangan juga memiliki dampak positif dan signifikan terhadap locus of control, pergaulan teman sebaya memiliki dampak positif dan signifikan terhadap locus of control; locus of control sebagai variabel intervening berhasil memediasi pengaruh literasi keuangan terhadap perilaku konsumtif; locus of control sebagai variabel intervening berhasil memediasi pengaruh pergaulan teman sebaya terhadap perilaku konsumtif.
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