The Influence of Financial Literacy, Household Socioeconomic Conditions, and Peer Lifestyle on Student Consumption at SMA Negeri 1 Tana Tidung

Desi Arisanti; Mustofa

doi:https://doi.cibangsa.org/DOI-2026-484

Authors

Desi Arisanti Economics Education Study Program, Faculty of Economics and Business/Postgraduate School, Yogyakarta State University, Yogyakarta, Indonesia Author
Mustofa Economics Education Study Program, Faculty of Economics and Business/Postgraduate School, Yogyakarta State University, Yogyakarta, Indonesia Author

DOI:

https://doi.cibangsa.org/DOI-2026-484

Keywords:

Financial Literacy, Socio-Economic Conditions, Peer Lifestyle, Student Consumption

Abstract

This research aims: (1) To determine the influence of financial literacy on the consumption of students at SMA Negeri 1 Tana Tidung, (2) To determine the influence of household socio-economic conditions on the consumption of students at SMA Negeri 1 Tana Tidung, (3) To determine the influence of peer lifestyles on the consumption of students at SMA Negeri 1 Tana Tidung, (4) To determine the influence of financial literacy, socio-economic conditions of the household, and the lifestyle of peers simultaneously on the consumption of students at SMA Negeri 1 Tana Tidung. This type of research is correlational research with a quantitative approach. The population in this study were all students in class X and XI at SMA Negeri 1 Tana Tidung. The sample in this study consisted of 100 students selected using purposive sampling technique. The instrument used is a closed questionnaire in the form of a Likert scale questionnaire to measure financial literacy variables, household socio-economic conditions, peer lifestyles, and students' consumption behavior. The data analysis techniques used include prerequisite tests (normality, multicollinearity and heteroscedasticity tests), as well as multiple linear regression tests to determine the influence of each independent variable partially or simultaneously on the dependent variable. It is hoped that the research results can contribute to understanding the factors that influence students' consumption behavior, as well as become the basis for developing financial literacy programs in schools. The research results show that: (1) There is a significant influence between financial literacy on the consumption behavior of students at SMA Negeri 1 Tana Tidung, with a contribution of 31.4%. (2) There is a significant influence between household socio-economic conditions on students' consumption behavior, with a contribution of 40.1%. (3) There is a significant influence of peer lifestyle on students' consumption behavior, with a contribution of 70.1%. (4) There is a significant simultaneous influence between financial literacy, household socio-economic conditions, and peers' lifestyles on students' consumption behavior, with a total contribution of 33%.

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