Literasi keuangan terhadap perilaku konsumtif dengan kontrol diri sebagai variabel moderasi (studi pada Gen Z Kota Malang)

Khasanah, Amaliatul and Mardiana, Mardiana ORCID: https://orcid.org/0000-0003-1722-0248 (2026) Literasi keuangan terhadap perilaku konsumtif dengan kontrol diri sebagai variabel moderasi (studi pada Gen Z Kota Malang). JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 12 (2). pp. 1844-1853. ISSN 2460-5891

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Abstract

Generation Z is consuming habits are changing due to the advancement of digital technology, and they are becoming more prone to consumptive behavior. The purpose of this study is to examine how financial literacy affects consumptive behavior among Generation Z in Malang City, using self-control as a moderating variable. The study employed a quantitative methodology, gathering primary data from 165 respondents chosen through purposive sampling via an online questionnaire. With the use of SmartPLS 3 software, structural equation modeling was used to analyze the data. The findings demonstrated that consumptive behavior was significantly impacted by self-control but not by financial literacy. In addition, self-control was not proven to moderate the relationship between financial literacy and consumptive behavior. This study concluded that psychological aspects, especially self-control, have a more dominant role than financial knowledge in shaping the consumption behavior of Generation Z. These results are consistent with the theories of planned behavior, hedonic consumption, and self-control, which have significant ramifications for the creation of financial education and self-control-enhancing initiatives that support the same consumer behavior.

Item Type:	Journal Article
Keywords:	financial literacy; consumer behavior; self-control; gen z
Subjects:	14 ECONOMICS > 1402 Applied Economics > 140207 Financial Economics
Divisions:	Faculty of Economics > Department of Management
Depositing User:	mardiana mardiana
Date Deposited:	13 Oct 2026 13:58

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