The Influence of Financial Literacy, Peers, and Self-Control on the Consumptive Behavior of Boarding House Students
Keywords:
financial literacy,, peers,, self-control,, boarding house students.
Abstract
Among students, consumptive behavior is still a prominent phenomenon as access to digital services increases and the lifestyle of the younger generation changes. Boarding house students who have to manage their finances independently, far from family supervision, and vulnerable to social influences make this condition even more relevant. Factors that influence consumptive behavior have been widely studied in previous research, but studies discussing the role of financial literacy, peers, and self-control in the context of boarding house students are still limited. Therefore, this study aims to analyze the influence of these three factors on the consumptive behavior of students. A quantitative method was used in this study by distributing questionnaires to boarding house students, and then the data was analyzed. This study shows that financial literacy has a significant negative effect, while peers and self-control have a significant positive effect on consumptive behavior. This study found that self-control dynamics correlate positively with consumptive behavior, indicating the existence of situational self-control among boarding house students. The implications of this study emphasize the importance of financial knowledge integrated with community development and strengthening self-regulation to help students develop wiser consumptive behavior.
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References
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Ariwangsa, I. G. N. O., & Gde Bagus Surya Jayanatha. (2023). Pengaruh Literasi Keuangan Dan Penggunaan Dompet Digital Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Dan Bisnis Di Kota Denpasar. Jwm (Jurnal Wawasan Manajemen), 11(3), 229–239. https://doi.org/10.20527/jwm.v11i3.254
Aurelia, F. (2024). Pengaruh Literasi Keuangan dan Self Control terhadap Perilaku Konsumtif Mahasiswa Kos. Moneter - Jurnal Akuntansi Dan Keuangan, 11(1), 7–14. https://doi.org/10.31294/moneter.v11i1.17470
Fadilah, N. N., Dianta, K., & Pratama, A. (2024). Pengaruh Literasi Keuangan, Kontrol Diri dan Lingkungan Teman Sebaya Terhadap Perilaku Konsumtif (Studi Pada Pengguna Aplikasi Shopee Generasi Millennial di DKI Jakarta). EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi, 3(4), 686–696. https://journal-nusantara.com/index.php/EKOMA/article/view/3325/2843
Haryana R.D.T. (2020). PENGARUH LIFE STYLE, SELF CONTROL DAN FINANCIAL LITERACY TERHADAP PERILAKU KONSUMTIF MAHASISWA MELAKUKAN ONLINE SHOPPING Ratih Dewi Titisari Haryana. Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi, 16(1), 29–36. www.apjii.or.id
Jain, A., Srivastava, D. S., & Shukla, A. (2023). Self-control and compulsive buying behavior: The mediating role of ill-being perception. Cogent Business and Management, 10(3). https://doi.org/10.1080/23311975.2023.2286673
Kadeni, N. S. (2018). PENGARUH MEDIA SOSIAL DAN TEMAN SEBAYA TERHADAP PERILAKU KONSUMTIF MAHASISWA Kadeni 1) Ninik Srijani 2) STKIP PGRI Blitar 1) Universitas PGRI Madiun 2). Equilibrium, 6(1), 61–70. http://doi.org/10.25273/equilibrium.v6i1.2186
Krisdayanti, M. (2020). Pengaruh literasi keuangan, inklusi keuangan, uang saku, teman sebaya, gaya hidup, dan kontrol diri terhadap minat menabung mahasiswa. Prisma (Platform Riset Mahasiswa Akuntansi), 01(2), 79–91. https://ojs.stiesa.ac.id/index.php/prisma
Kurnia, & Hakim, L. (2021). Pengaruh Literasi Keuangan, Kontrol Diri Dan Lingkungan Teman Sebaya Terhadap Perilaku Lingkungan Teman Sebaya Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Manajemen Dan Bisnis, 4(3), 19–29.
Kusno, H. R., & Haq, A. S. (2025). Determinants of Impulsive Buying Among Students : Implications for Responsible Consumption and Sustainable Development. Journal of Psychology and Culture Behavior in SDGs, 1(3), 1–19. https://doi.org/10.63230/jopacbis.1.3.82
Mayori, C., & Hidayat, A. M. (2025). Shaping financial futures : exploring the impact of financial literacy , inclusion , and behavior on financial planning in Telkom University ’ s Generation Z. https://doi.org/10.20885/jsb.vol29.iss2.art6
Murdiyanti, U., Basukiyatno, B., & Habibi, B. (2022). Pengaruh Literasi Keuangan, Pengendalian Diri, Kelompok Teman Sebaya dan Kondisi Sosial Ekonomi Orang Tua Terhadap Perilaku Konsumtif Peserta Didik. Cakrawala: Jurnal Pendidikan, 15(2), 224–235. https://doi.org/10.24905/cakrawala.v15i2.290
Namirah, R., Mohamad, A., & Yuliani. (2025). The Impact of Financial Literacy and Financial Behavior, Moderated by Risk Perception, On The Use of Digital Paylater Among Millenials and Generation Z. Eurasic: Economics & Bussines, 7(July), 3–13. https://doi.org/10.18551/econeurasia UDC
Nurdianasari, R., & Indriani, F. (2021). Faculty of Economics and Business, Diponegoro University, Indonesia. Study of Perceived Online Convenience and Customer Satisfaction Toward Behavioral Intention in Online Shopping, 2021(2), 399–409. Toffeedev.com (2020),
OECD. (2016). Adult Financial Literacy Competencies CORE COMPETENCIES FRAMEWORK ON. Financial Literacy and Education Trust Fund, 1–100.
Prihatini, D., & Irianto, A. (2021). Pengaruh Literasi Keuangan dan Pengendalian Diri terhadap Perilaku Konsumtif Mahasiswa. Jurnal Ecogen, 4(1), 24. https://doi.org/10.24036/jmpe.v4i1.11035
Putri, M. D., Mappatompo, A., & Syah, F. (2025). Pengaruh Literasi Keuangan terhadap Perilaku Konsumtif. Jurnal Bisnis Mahasiswa, 5(5), 2302–2309. https://doi.org/10.60036/jbm.683
Qi, Y. (2025). “ You Only Buy What You Love ”: Understanding Impulse Buying Among College Students Through Values , Emotion , and Digital Immersion. Journal of Theoretical and Applied Electronic Commerce Research, 20(271). https://doi.org/10.3390/jtaer20040271
Qurotaa’yun, Z., & Krisnawati, A. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Milenial Di Kota Bandung. JAF- Journal of Accounting and Finance, 3(1), 46. https://doi.org/10.25124/jaf.v3i1.2167
Sri Darmawati, L. E., Ruski, R., Jannah, R., & Jailani, A. (2023). The Effect of Financial Literacy and Self-Control on Students’ Consumptive Behavior. Muhasabatuna : Jurnal Akuntansi Syariah, 5(1), 013–020. https://doi.org/10.54471/muhasabatuna.v5i1.2344
Tribuana, L. (2020). Pengaruh Literasi Keuangan, Pengendalian Diri dan Konformitas Hedonis terhadap Perilaku Konsumtif Mahasiswa. Prisma (Platform Riset Mahasiswa Akuntansi), 01, 145–155. https://ojs.stiesa.ac.id/index.php/prisma
Wulandari, A., Cholidah, L. N., & Sulaeman, M. M. (2024). Pengaruh Literasi Keuangan Terhadap Perilaku Menabung Dengan Self Control Sebagai Variabel Mediasi Pada Pekerja Buruh Pabrik. Journal of Business Innovation and Accounting Research, 1(3), 206–216. https://doi.org/10.56442/xbxekc34
Published
2026-07-03
How to Cite
Amalia, A., & Fauziyah, F. (2026). The Influence of Financial Literacy, Peers, and Self-Control on the Consumptive Behavior of Boarding House Students. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 9(2), 16488-16501. https://doi.org/10.31538/iijse.v9i2.9635
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Articles
Copyright (c) 2026 Aisyah Amalia, Fauziyah Fauziyah
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