Financial Literacy on Impulsive Buying Behavior in Y Generation

Abstract

Impulse buying is a phenomenon that can occur in all generations but more done by the generation that undergoes a change that is the age of adolescents who step on the early adulthood of the Y generation who actually do not have the financial ability to meet their needs. This study aims to analyze the influence of financial literacy on the impulsive buying behavior of online products in Y generation. This research is a descriptive research type, with a quantitative approach. The population of 733 students. The sampling technique used in this research is nonprobability sampling by using purposive sampling type with sample of 142 students. The subject of this research is the students of university. Data collection technique using questionnaire. Data were analyzed using linear regression analysis. The result of data analysis shows that there is influence of financial literacy on impulse buying behavior of online product in Y generation. It means the higher the student's financial literacy, the lower the impulse buying behavior. Conversely, the lower the student's financial literacy, the higher the impulse buying behavior. Data were analyzed using linear regression analysis. The result of data analysis shows that financial literacy has negative effect, but significant to impulsive buying behavior of online product in Y generation. It means The higher student's financial literacy, the lower impulse buying behavior. Conversely, the lower student's financial literacy, the higher impulse buying behavior.

Pengaruh Penggunaan E-Wallet dan Literasi Keuangan Terhadap Perilaku Pembelian Impulsif

“…Seseorang yang mempunyai literasi keuangan rendah lebih rentan untuk pembelian impulsif. Penelitian yang dilaksanakan Anisa et al (2020); dan Khairunnisa (2022) mengungkapkan bahwa ditemukan pengaruh negatif dan signifikan pada literasi keuangan terhadap pembelian impulsif. Penelitian yang dilakukan oleh Wulandari & Damayanti (2022); dan Ramadany & Artadita (2023) yang mengungkapkan bahwa ditemukan pengaruh positif dan signifikan antara variabel literasi keuangan terhadap pembelian impulsif.…”

Perlindungan Konsumen Pengguna Paylater Yang Rentan Tekanan Pelaku Usaha

“…Morgan et al (1995) mendefinisikan kerentanan konsumen yakni konsumen yang memiliki keterbatasan ataupun mengalami hal negatif dari produk atau jasa yang digunakan. Adapun kerentanan ini diprediksi dapat dipengaruhi oleh literasi keuangan, pengetahuan produk, dan perilaku pembelian impulsif (Lina dan Rosyid 1997;Ringold 2005;Anisa et al 2020).…”

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Utilization of Social Media and Entrepreneur Knowledge on Entrepreneur Interest Student of Stie Pemuda Surabaya

“…Social media provides a breakthrough to change the mindset of the entrepreneurial student environment to reduce the risk of failure and make it easier to market wider products without very high costs. To be a successful entrepreneur, students must be able to broaden their networks to better communicate with others (Anisa et al, 2020) by using the internet. Because the role of social media is increasingly being recognized in boosting performance in the Sekolah Tinggi Ilmu Ekonomi Pemuda VOL.…”