Pengaruh Lifestyle, Self Control dan Pendapatan terhadap Perilaku Konsumtif melalui Literasi Keuangan sebagai Variabel Intervening

Abstrak

This study used financial literacy as a mediating variable to examine how lifestyle, self-control, and income influence consumer behavior. One hundred respondents were selected as a sample using a purposive sampling technique. The results showed that consumer behavior was not influenced by lifestyle, but by self-control, income, and financial literacy. Empirical results also found that financial literacy was not influenced by lifestyle, financial literacy did not change due to self-control, and income had a significant influence on financial literacy. Furthermore, financial literacy as an intervening variable was proven to not affect lifestyle or self-control on consumer behavior, but it was shown to influence the role of income on consumer habits.