POLA HIDUP KONSUMTIF DAN IMPLIKASINYA TERHADAP MANAJEMEN KEUANGAN MAHASISWA

Authors

  • Tina Padilah Suryani Universitas Majalengka, Indonesia
  • Terry Sugihardi Universitas Majalengka, Indonesia
  • Anisa Nurul Hidayah Universitas Majalengka, Indonesia
  • Dian Siti Nurjanah Universitas Majalengka, Indonesia
  • Stevani Raina Deco Shand Universitas Majalengka, Indonesia

DOI:

https://doi.org/10.33603/ejpe.v14i2.12211

Abstract

This study aims to analyze consumptive lifestyle patterns and their implications for financial management among university students. The increasing influence of social trends, digital technology, and accessible financial services has affected students’ spending behavior and financial decision-making. This study employs a descriptive qualitative approach using semi-structured interviews with university students from different financial backgrounds, including those financially supported by parents and those earning independent income through work. The findings indicate that students financially supported by their parents tend to spend more on food, online shopping, beauty products, and leisure activities, with purchasing decisions often influenced by social media trends and fear of missing out (FOMO). In contrast, working students prioritize tuition fees, daily necessities, savings, and emergency funds because they have greater awareness of the effort required to earn income. Although both groups frequently use e-wallets, digital payment services increase the risk of impulsive spending when not accompanied by adequate self-control. The study also found that financial management is influenced not only by income sources but also by self-control, financial awareness, saving habits, and the ability to distinguish between needs and wants. The study concludes that consumptive lifestyle patterns have significant implications for students’ financial management and highlight the importance of financial awareness in maintaining financial stability.

Keywords:  Consumptive Lifestyle, Financial Management, University Students, Spending Behavior, Qualitative Study

References

Abdullah, D., Kurnadi, E., & Apriyani, N. (2022). Pengaruh Literasi Keuangan dan Pengendalian Diri Terhadap Perilaku Konsumtif Pada Mahasiswa Fakultas Ekonomika dan Bisnis Universitas Majalengka. Jurnal Akuntansi Kompetif, 5(1). https://doi.org/https://doi.org/10.35446/akuntansikompetif.v5i1.817

Ajzen, I. (2020). The theory of planned behavior : Frequently asked questions. Human Behavior and Emerging Technologies, 2(4), 314–324. https://doi.org/10.1002/hbe2.195

Andina, F., & Zulaikha, S. (2024). Nongkrong di Kafe Sebagai Perilaku Konsumtif Mahasiswa. Jurnal Ilmu Sosial, Humaniora dan Seni (JISHS), 3(2), 831–838. https://doi.org/10.62379/jishs.v3j2.2257

Arrezqi, M. (2024). Pengaruh Gaya Hidup dan Literasi Keuangan terhadap Perilaku Konsumtif Mahasiswa. JOURNAL SYNTAX IDEA, 6(07). https://doi.org/https://doi.org/10.46799/syntax-idea.v6i7.4066

Fadhilah, N., & Abadi, M. T. (2023). Pengaruh Penggunaan Aplikasi Belanja Online, Gaya Hidup, dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa. Jurnal of Business & Applied Management, 16(2), 141–156. https://doi.org/10.30813/jbam.v16i2.4293

Haq, I. I., Tubastuvi, N., Purwidianti, W., & Widhidanono, H. (2023). Pengaruh Literasi Keuangan , Teman Sebaya , Electronic Money , Gaya Hidup, dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Manajemen dan Bisnis Indonesia, 09(01), 73–89. https://doi.org/https://doi.org/10.32528/jmbi.v9i1.349

Kasmir. (2009). Pengantar Manajemen Keuangan (1 ed.). Kencana.

Mengga, G. S., Batara, M., & Rimpung, E. (2023). Pengaruh Literasi Keuangan, E-Money, Gaya Hidup dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa Prodi Manajemen Fakultas Ekonomi Universitas Kristen Indonesia Toraja. Jurnal Riset Ekonomi dan Akuntansi, 1(1), 36–50. https://doi.org/https://doi.org/10.54066/jrea-itb.v1i1.148

Mizanulhaq, M. (2024). Pengaruh Literasi Keuangan Syariah dan Gaya Hidup Konsumtif Terhadap Minat Penggunaan Paylater pada Gen-Z: Studi Kasus pada Mahasiswa Universitas Islam Indonesia [Universitas Islam Indonesia]. dspace.uii.ac.id/123456789/51526

Putra, G. L., & Sinarwati, N. K. (2023). Pengaruh Literasi Keuangan , Gaya Hidup , dan Pengendalian Diri Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Pendidikan Ganesha. Jurnal Manajemen Perhotelan dan Pariwisata, 6(2), 717–726. https://doi.org/https://doi.org/10.23887/jmpp.v6i2.71877

Rahmadani, S., & Safitri, T. A. (2025). Pengaruh Belanja Online, Perilaku Konsumtif, dan Gaya Hidup Hedonisme Terhadap Pengelolaan Keuangan Pribadi Generasi Z. Jurnal Ekobis Dewantara, 8(2), 1231–1244. https://doi.org/https://doi.org/10.30738/ed_en.v8i2.4507

Rahmaniy, S. N., Nurhidayah, & Febrianto, G. R. (2026). Pengaruh Gaya Hidup Konsumtif dan Sikap Keuangan dengan Peran Media Sosial Sebagai Variabel Moderasi Terhadap Kualitas Pengelolaan Keuangan Mahasiswa Perguruan Tinggi Islam di Malang. Warta Ekonomi, 9(01), 32–42.

Rizkynanda, M., & Rahayuningsih, S. (2024). Pengaruh Literasi Keuangan, Pengelolaan Keuangan dan Gaya Hidup Terhadap Kesiapan Finansial Generasi Z Mahasiswa Di Surabaya dan Sidoarjo. Jurnal Manajemen, Organisasi dan Bisnis, 14(1), 58–69. https://doi.org/https://doi.org/10.56486/kompleksitas.vol14no1.732

Sahabuddin, R., Azhari, A., Samba, J. E., Nengsi, S. W., Putri, R. amalia, & Alqadri, M. (2025). Analisis Perilaku Konsumtif dan Pengelolaan Keuangan Mahasiswa Gen Z Universitas Di Makassar. Junal Rumpun Manajemen dan Ekonomi, 2(3), 399–408. https://doi.org/https://doi.org/10.61722/jrme.v2i3.4535

Syidana, Z. A. (2024). Pengaruh Gaya Hidup Hedonisme, Perilaku Konsumtif, dan Literasi Keuangan Terhadap Manajemen Keuangan Pribadi Mahasiswa FBE UII [Universitas Islam Indonesia]. https://dspace.uii.ac.id/handle/123456789/52656

Thaler, R. H. (1999). Mental Accounting Matters. Journal of Behavioral Decision Making, 12(September), 183–206. https://doi.org/https://doi.org/10.1002/(SICI)1099-0771(199909)12:3%3C183::AID-BDM318%3E3.0.CO;2-F

Wulandari, S. R., Wijaya, D., & Ilyas, F. (2025). Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa Gen Z di Wilayah Jakarta Barat. Jurnal Ekonomi Bisnis Antartika, 3(2), 127–134. https://doi.org/https://doi.org/10.70052/jeba.v3i2.1031

Downloads

Published

2026-09-01

Issue

Vol. 14 No. 2 (2026): EDISI SEPTEMBER

Section

Artikel

Citation Check

License

Copyright (c) 2026 Edunomic Jurnal Pendidikan Ekonomi

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Penulis yang menerbitkan karyanya ke jurnal ini setuju dengan persyaratan berikut:

Penulis menyimpan hak cipta dan memberikan jurnal hak penerbitan pertama, dengan karya yang secara serentak dilisensikan di bawah Lisensi: Creative Commons Attribution - Share Alike 4.0 Internasional License yang memungkinkan orang lain membagikan karya dengan pengakuan penerbitan awal dan kepenulisan karya di jurnal ini.