Pengaruh Literasi Keuangan, Penggunaan Digital Payment, dan Gaya Hidup terhadap Perilaku Konsumtif Mahasiswa Kos di Kecamatan Medan Baru

Abstract

The purpose of this study is to analyze the effect of Financial Literacy, Digital Payment Usage, and Lifestyle on Consumptive Behavior among boarding house students in Medan Baru District. The population of this study is boarding house students in Medan Baru District, whose number is unknown. The sample size is 390 boarding house students. This study uses a quantitative descriptive method with analysis techniques using multiple linear regression analysis. The results of this study prove that Financial Literacy has a negative and significant effect on Consumptive Behavior, Digital Payment Usage has a positive and significant effect on Consumptive Behavior, and Lifestyle has a positive and significant effect on Consumptive Behavior.