PENGARUH LITERASI KEUANGAN, GAYA HIDUP, DAN PENGGUNAAN QRIS TERHADAP PERILAKU KONSUMTIF GENERASI Z DI DKI JAKARTA

TIARA KHAIRUNNISA, . (2026) PENGARUH LITERASI KEUANGAN, GAYA HIDUP, DAN PENGGUNAAN QRIS TERHADAP PERILAKU KONSUMTIF GENERASI Z DI DKI JAKARTA. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini mengkaji pengaruh literasi keuangan, gaya hidup, dan penggunaan QRIS (Quick Response Code Indonesian Standard) terhadap perilaku konsumtif Generasi Z di DKI Jakarta. Penelitian ini dilatarbelakangi oleh tingginya pengeluaran konsumsi rumah tangga di Indonesia, dominannya Generasi Z dalam populasi nasional dan DKI Jakarta, serta pesatnya pertumbuhan penggunaan QRIS sebagai instrumen pembayaran digital. Penelitian ini menggunakan desain kuantitatif asosiatif-kausal dengan data primer yang dikumpulkan dari 200 responden yang dipilih melalui teknik purposive sampling dan dianalisis menggunakan regresi linear berganda dengan IBM SPSS Statistics. Seluruh instrumen penelitian dinyatakan valid (r-hitung > r-tabel sebesar 0,3338) dan reliabel (Cronbach's Alpha > 0,70). Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh negatif signifikan terhadap perilaku konsumtif (B = -1,135; t = -6,208; p = 0,000), sedangkan gaya hidup (B = 0,667; t = 3,529; p = 0,001) dan penggunaan QRIS (B = 0,675; t = 5,604; p = 0,000) masing-masing berpengaruh positif signifikan. Secara simultan, ketiga variabel berpengaruh signifikan terhadap perilaku konsumtif (F = 25,922; p < 0,001), dengan menjelaskan 28,4% varians perilaku konsumtif (Adjusted R² = 0,284), sedangkan 71,6% sisanya dijelaskan oleh faktor-faktor di luar model. Temuan ini mendukung Theory of Planned Behavior dalam menjelaskan keputusan konsumsi Generasi Z dan memberikan implikasi praktis bagi Bank Indonesia, Otoritas Jasa Keuangan (OJK), perguruan tinggi, dan Generasi Z itu sendiri dalam mendorong perilaku keuangan yang lebih sehat di tengah kemudahan sistem pembayaran digital. **** This study examines the influence of financial literacy, lifestyle, and the use of QRIS (Quick Response Code Indonesian Standard) on the consumptive behavior of Generation Z in DKI Jakarta. The study is motivated by Indonesia's record-high household consumption expenditure, the dominant share of Generation Z in the national and Jakarta population, and the rapid growth of QRIS adoption as a digital payment instrument. A quantitative associative-causal design was employed, with primary data collected from 200 respondents selected through purposive sampling and analyzed using multiple linear regression in IBM SPSS Statistics 25.0. All research instruments were declared valid (r-count > r-table of 0.3338) and reliable (Cronbach's Alpha > 0.70). The results show that financial literacy has a significant negative effect on consumptive behavior (B = -1.135; t = -6.208; p = .000), whereas lifestyle (B = 0.667; t = 3.529; p = .001) and QRIS usage (B = 0.675; t = 5.604; p = .000) each have a significant positive effect. Simultaneously, the three variables significantly affect consumptive behavior (F = 25.922; p < .001), explaining 27.3% of its variance (Adjusted R² = .284), while the remaining 71,6% is explained by factors outside the model. These findings support the Theory of Planned Behavior in explaining Generation Z's consumption decisions and provide practical implications for Bank Indonesia, the Financial Services Authority (OJK), higher education institutions, and Generation Z itself in promoting healthier financial behavior amid the convenience of digital payment systems.

Item Type:	Thesis (Sarjana)
Additional Information:	1).Prof. Dr. Dra. Corry Yohana, MM. ; 2).Rizka Zakiah, S.Pd., M.Pd.
Subjects:	Manajemen > Perilaku Konsumen
Divisions:	FE > S1 Pendidikan Bisnis
Depositing User:	Tiara Khairunnisa .
Date Deposited:	20 Aug 2026 01:13
Last Modified:	20 Aug 2026 01:13
URI:	http://repository.unj.ac.id/id/eprint/72399

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