PENGARUH FINANCIAL LITERACY DAN COMPULSIVE BUYING TERHADAP PROPENSITY TO INDEBTEDNESS
Keywords:
Financial Literacy, Compulsive Buying, Propensity to Indebtedness
Abstract
Penelitian ini bertujuan untuk menguji pengaruh variabel financial literacy dan variabel compulsive buying terhadap variabel propensity to indebtedness pada masyarakat GenZ dengan metode kuantitatif. Responden dalam penelitian ini sebanyak 134 dengan kriteria pengguna paylater dan memiliki kegemaran dalam berbelanja. Teknik pengambilan data pada penelitian adalah purposive sampling dengan metode analisis yang digunakan ialah Partial Least Square - Structural Equation Model (PLS-SEM). Hasil penelitian menunjukkan bahwa financial literacy memiliki hubungan yang negatif terhadap propensity to indebtedness, compulsive buying memiliki hubungan yang positif terhadap propensity to indebtedness, financial literacy memiliki hubungan yang negatif terhadap compulsive buying, dan compulsive buying memediasi secara parsial financial literacy terhadap propensity to indebtedness.
References
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Arce-Cruz, G. O., Valencia-Mayuri, J. C., Jimenez-Rivera, W. O., Jiménez Rivera, W. M., & Cordova-Buiza, F. (2023). Financial Literacy and its Relationship to the Indebtedness of a Bank’s Customers. European Conference on Knowledge Management, 24(1), 67–73. https://doi.org/10.34190/eckm.24.1.1564
Ardiansyah, M. Y., & Budiani, M. S. (2021). Hubungan Kontrol Diri Dan Financial Literacy Dengan Compulsive Buying Pada Pengguna Aplikasi Belanja Online. Penelitian Psikologi, 8(6).
Aren, S., & Dinç Aydemir, S. (2014). a Literature Review on Financial Literacy. Finansal Araştırmalar ve Çalışmalar Dergisi, 6(11), 33–50. https://doi.org/10.14784/jfrs.2014117326 Consumer Financial Protection Bureau. (2018). Measuring financial skill. Bureau of Consumer Financial Protection, September, 1–24. https://www.consumerfinance.gov/data‐research/research‐reports/measuring‐financial‐skill/
Damayanti, S. M., Isrochmani, M., & Pradana, H. A. (2018). The Importance of Financial Literacy in a Global Economic Era. The Business and Management Review, 9(3), 2018.
Desi Aryani. (2019). Analisis Pengaruh Financial Literacy Terhadap Materialisme Dan Perilaku Membelanjakan Uang (Studi Pada Taruna Politeknik Ilmu Pelayaran (Pip) Semarang). Dinamika Bahari, 9(2), 2337–2348. https://doi.org/10.46484/db.v9i2.100
Dewi, V. I., Febrian, E., Effendi, N., & Anwar, M. (2020). Financial literacy among the millennial generation: Relationships between knowledge, skills, attitude, and behavior. Australasian Accounting, Business and Finance Journal, 14(4), 24–37. https://doi.org/10.14453/aabfj.v14i4.3
Doosti, B. A., & Karampour, A. (2017). The impact of behavioral factors on propensity toward indebtedness. Journal of Advances in Computer Engineering and Technology, 3(3), 145–152. https://journals.srbiau.ac.ir/article_10786.html
Dwiastanti, A. (2017). Analysis of financial knowledge and financial attitude on locus of control and financial management behavior. MBR (Management and Business Review), 1(1), 1–8. https://doi.org/https://doi.org/10.21067/mbr.v1i1.2043
Elizabeth A. Edwards. (1993). Development of a New Scale for Measuring Compulsive Buying Behavior. Financial and Planning. Journal Financial Counseling and Planning, 4(313), 67– 85. http://citeseerx.ist.psu.edu/viewdoc/download;jsessionid=01640BC78AF23EB181C6EB165 3415532?doi=10.1.1.528.769&rep=rep1&type=pdf
Etikan, I. (2016). Comparison of Convenience Sampling and Purposive Sampling. American Journal of Theoretical and Applied Statistics, 5(1), 1. https://doi.org/10.11648/j.ajtas.20160501.11
Flores, S. A. M., & Vieira, K. M. (2014). Propensity toward indebtedness: An analysis using behavioral factors. Journal of Behavioral and Experimental Finance, 3, 1–10. https://doi.org/10.1016/j.jbef.2014.05.001
Ghozali, I., & Latan, H. (2020). PARTIAL LEAST SQUARES KONSEP, TEKNIK DAN APLIKASI Menggunakan Program SmartPLS 3.0 Untuk Penelitian Empiris. Semarang, Badan Penerbit UNDIP.
Gutiérrez-Nieto, B., Serrano-Cinca, C., & de la CuestaߚGonzález, M. (2017). A multivariate study of over-indebtedness’ causes and consequences. International Journal of Consumer Studies, 41(2), 188–198. https://doi.org/10.1111/ijcs.12324
Hasman, A. (2015). An introduction to structural equation modeling. Studies in Health Technology and Informatics, 213, 3–6. https://doi.org/10.3233/978-1-61499-538-8-3
Iswariyadi, A., Kurniasari, F., Tannady, H., & Kazhim, M. A. (2023). How to Improve the Propensity to Indebtedness of Shopee Paylater Gen Z Users? Arkus, 9(1), 308–312. https://doi.org/10.37275/arkus.v9i1.295
Kamau, A., Misati, R., Ngoka, K., Odongo, M., & Were, M. (2021). Digital Financial Services and Implications of Financial Literacy on Gender and Over- Indebtedness : the Case of Kenya. African Economic Research Consortium.
Koski, E. (2021). the Importance of Financial Literacy As a Preventing Factor of Youth Indebtedness in Finland. Digikogu.Taltech.Ee. https://digikogu.taltech.ee/en/Download/3654e2ee-460c-4bae-aa52- 388b524ada2d/Finantskirjaoskuseolulisusvlakoormusetekkimise.pdf
Kurnia, Y., Halim, E., Ekonomi, F., Petra, U. K., & Siwalankerto, J. (2015). Financial Stressors , Financial Behavior , Risk Tolerance , Financial Solvency , Financial Knowledge , dan Kepuasan Finansial. 3(1), 19–23.
Lusardi, A., Michaud, P. C., & Mitchell, O. S. (2017). Optimal financial knowledge and wealth inequality. Journal of Political Economy, 125(2), 431–477. https://doi.org/10.1086/690950
Maraz, A., Eisinger, A., Hende, B., Urbán, R., Paksi, B., Kun, B., Kökönyei, G., Griffiths, M. D., & Demetrovics, Z. (2015). Measuring compulsive buying behaviour: Psychometric validity of three different scales and prevalence in the general population and in shopping centres. Psychiatry Research, 225(3), 326–334. https://doi.org/10.1016/j.psychres.2014.11.080
Maraz, A., Griffiths, M. D., & Demetrovics, Z. (2016). The prevalence of compulsive buying: A meta-analysis. Addiction, 111(3), 408–419. https://doi.org/10.1111/add.13223
Megawati, R., & Irianto, D. (2023). International Journal of Current Economics & Business Ventures THE EFFECT OF FINTECH AND FINANCIAL LITERACY ON FINANCIAL INCLUSION IN DKI JAKARTA International Journal of Current Economics & Business Ventures. 1(1), 31–45.
Mien, Ngoc, Thi, N., & Thao, Phuong, T. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference), 10(5), 1–16.
Mitta, D., & Pamungkas, A. S. (2022). PENGARUH FINANCIAL LITERACY , MATERIALISM , RISK PERCEPTION , DAN MONEY VALUE TERHADAP PROPENSITY TO INDEBTEDNESS Latar belakang konsumtif dan pemborosan . Menurut Richins ( 1992 ), materialism merupakan perilaku yang mengarahkan seorang individu terhadap. 04(02), 339–347.
Müller, A., Mitchell, J. E., & De Zwaan, M. (2015). Compulsive buying. American Journal on Addictions, 24(2), 132–137. https://doi.org/10.1111/ajad.12111
Namira Nurul Alhakim, Stevia Septiani, & Eka Dasra Viana. (2023). Pengaruh Psychological Factors, Financial Literacy, dan Paylater Misuse terhadap Compulsive Buying pada Pengguna Aplikasi Paylater di Jabodetabek. Jurnal Manajemen Dan Organisasi, 14(1), 57– 68. https://doi.org/10.29244/jmo.v14i1.42798
Nguyen, T. A. N., Rózsa, Z., Belás, J., & Belásová, Ľ. (2017). The effects of perceived and actual financial knowledge on regular personal savings: Case of Vietnam. Journal of International Studies, 10(2), 278–291. https://doi.org/10.14254/2071-8330.2017/10-2/19
Oliveira, S. F. de. (2020). Influência dos fatores comportamentais na propensão ao endividamento dos estudantes universitários. Revista de Administração Da UFSM, 13(4), 829–849. https://doi.org/10.5902/1983465935196
Paluri, R. A., & Mehra, S. (2016). Financial attitude based segmentation of women in India: an exploratory study. International Journal of Bank Marketing, 34(5), 670–689. https://doi.org/10.1108/IJBM-05-2015-0073
Potrich, A. C. G., & Vieira, K. M. (2018). Demystifying fi nancial literacy : a behavioral perspective analysis. 41(9), 1047–1068. https://doi.org/10.1108/MRR-08-2017-0263
Potrich, A. C. G., Vieria, K. M., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. In The Eletronic Library (Vol. 39, Issue 1).
Prashella, D. A., & Leon, F. M. (2020). Financial Literacy in Millenials Generation in Indonesia. 151(Icmae), 322–325. https://doi.org/10.2991/aebmr.k.200915.072
Rai, K., Dua, S., & Yadav, M. (2019). Association of Financial Attitude, Financial Behaviour and Financial Knowledge Towards Financial Literacy: A Structural Equation Modeling Approach. FIIB Business Review, 8(1), 51–60. https://doi.org/10.1177/2319714519826651
Rizkiawati Laili, & Asandimitra Nadia. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus Of Control, Dan Financialk Self Eficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen, 6(3), 93–107.
Sholihin, M., & Ratmono, D. (2021). Analisis SEM-PLS dengan WarpPLS 7.0 untuk hubungan nonlinier dalam penelitian sosial dan bisnis. Penerbit Andi.
Silvia, V. (2020). Statistika Deskriptif. Penerbit Andi.
Stockdale, L. A., & Coyne, S. M. (2020). Bored and online: Reasons for using social media, problematic social networking site use, and behavioral outcomes across the transition from adolescence to emerging adulthood. Journal of Adolescence, 79(January), 173–183. https://doi.org/10.1016/j.adolescence.2020.01.010
Suharto, Y., & Hariadi, E. (2021). Analisis Kualitas Website Badan Pengembangan Sumber Daya Manusia Menggunakan Metode Webqual 4.0. Jurnal Manajemen Dan Organisasi, 12(2), 109–121. https://doi.org/10.29244/jmo.v12i2.33917
Sukma, A. P. (2022). PENGARUH FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, DAN INCOME TERHADAP FINANCIAL MANAGEMENT BEHAVIOR DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA MAHASISWA FAKULTAS EKONOMI UNIVERSITAS NEGERI JAKARTA). Doctoral Dissertation, UNIVERSITAS NEGERI JAKARTA.
Turunen, E., & Hiilamo, H. (2014). Health effects of indebtedness: A systematic review. BMC Public Health, 14(1). https://doi.org/10.1186/1471-2458-14-489
Wahono, H. K., & Pertiwi, D. (2020). Pengaruh Financial Literacy, Materialism, Compulsive Buying Terhadap Propensity To Indebtedness. International Journal of Financial and Investment Studies (IJFIS), 1(1), 1–14. https://doi.org/10.9744/ijfis.1.1.1-14
Weinstein, A., Maraz, A., Griffiths, M. D., Lejoyeux, M., & Demetrovics, Z. (2016). Compulsive Buying-Features and Characteristics of Addiction. In Neuropathology of Drug Addictions and Substance Misuse (Vol. 3). Elsevier Inc. https://doi.org/10.1016/B978-0-12-800634- 4.00098-6
Wiranto, J. (2023). HUBUNGAN PEMBELIAN COMPULSIVE DAN LITERASI KEUANGAN ISLAM DENGAN KECENDERUNGAN BERHUTANG SHOPEE PAYLATER PADA MAHASISWA UNIVERITAS ISLAM SULTAN AGUNG SEMARANG. Doctoral Dissertation, UNIVERSITAS ISLAM SULTAN AGUNG.
Yahaya, R., Zainol, Z., Abidin, J. H. O. @ Z., & Ismail, R. (2019). The Effect of Financial Knowledge and Financial Attitudes on Financial Behavior among University Students. International Journal of Academic Research in Business and Social Sciences, 9(8), 22–32. https://doi.org/10.6007/ijarbss/v9-i8/6205
Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal, Barometer Riset Akuntansi Dan Manajemen, 6(1). https://doi.org/10.21831/nominal.v6i1.14330
Zainul Arifin, A. (2018). Influence of financial attitude, financial behavior, financial capability on financial satisfaction. 186(INSYMA), 100–103. https://doi.org/10.2991/insyma- 18.2018.25
Abdullah, P. M. (2015). Metodologi Penelitian Kuantitatif. In Aswaja Pressindo.
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–221.
Arce-Cruz, G. O., Valencia-Mayuri, J. C., Jimenez-Rivera, W. O., Jiménez Rivera, W. M., & Cordova-Buiza, F. (2023). Financial Literacy and its Relationship to the Indebtedness of a Bank’s Customers. European Conference on Knowledge Management, 24(1), 67–73. https://doi.org/10.34190/eckm.24.1.1564
Ardiansyah, M. Y., & Budiani, M. S. (2021). Hubungan Kontrol Diri Dan Financial Literacy Dengan Compulsive Buying Pada Pengguna Aplikasi Belanja Online. Penelitian Psikologi, 8(6).
Aren, S., & Dinç Aydemir, S. (2014). a Literature Review on Financial Literacy. Finansal Araştırmalar ve Çalışmalar Dergisi, 6(11), 33–50. https://doi.org/10.14784/jfrs.2014117326 Consumer Financial Protection Bureau. (2018). Measuring financial skill. Bureau of Consumer Financial Protection, September, 1–24. https://www.consumerfinance.gov/data‐research/research‐reports/measuring‐financial‐skill/
Damayanti, S. M., Isrochmani, M., & Pradana, H. A. (2018). The Importance of Financial Literacy in a Global Economic Era. The Business and Management Review, 9(3), 2018.
Desi Aryani. (2019). Analisis Pengaruh Financial Literacy Terhadap Materialisme Dan Perilaku Membelanjakan Uang (Studi Pada Taruna Politeknik Ilmu Pelayaran (Pip) Semarang). Dinamika Bahari, 9(2), 2337–2348. https://doi.org/10.46484/db.v9i2.100
Dewi, V. I., Febrian, E., Effendi, N., & Anwar, M. (2020). Financial literacy among the millennial generation: Relationships between knowledge, skills, attitude, and behavior. Australasian Accounting, Business and Finance Journal, 14(4), 24–37. https://doi.org/10.14453/aabfj.v14i4.3
Doosti, B. A., & Karampour, A. (2017). The impact of behavioral factors on propensity toward indebtedness. Journal of Advances in Computer Engineering and Technology, 3(3), 145–152. https://journals.srbiau.ac.ir/article_10786.html
Dwiastanti, A. (2017). Analysis of financial knowledge and financial attitude on locus of control and financial management behavior. MBR (Management and Business Review), 1(1), 1–8. https://doi.org/https://doi.org/10.21067/mbr.v1i1.2043
Elizabeth A. Edwards. (1993). Development of a New Scale for Measuring Compulsive Buying Behavior. Financial and Planning. Journal Financial Counseling and Planning, 4(313), 67– 85. http://citeseerx.ist.psu.edu/viewdoc/download;jsessionid=01640BC78AF23EB181C6EB165 3415532?doi=10.1.1.528.769&rep=rep1&type=pdf
Etikan, I. (2016). Comparison of Convenience Sampling and Purposive Sampling. American Journal of Theoretical and Applied Statistics, 5(1), 1. https://doi.org/10.11648/j.ajtas.20160501.11
Flores, S. A. M., & Vieira, K. M. (2014). Propensity toward indebtedness: An analysis using behavioral factors. Journal of Behavioral and Experimental Finance, 3, 1–10. https://doi.org/10.1016/j.jbef.2014.05.001
Ghozali, I., & Latan, H. (2020). PARTIAL LEAST SQUARES KONSEP, TEKNIK DAN APLIKASI Menggunakan Program SmartPLS 3.0 Untuk Penelitian Empiris. Semarang, Badan Penerbit UNDIP.
Gutiérrez-Nieto, B., Serrano-Cinca, C., & de la CuestaߚGonzález, M. (2017). A multivariate study of over-indebtedness’ causes and consequences. International Journal of Consumer Studies, 41(2), 188–198. https://doi.org/10.1111/ijcs.12324
Hasman, A. (2015). An introduction to structural equation modeling. Studies in Health Technology and Informatics, 213, 3–6. https://doi.org/10.3233/978-1-61499-538-8-3
Iswariyadi, A., Kurniasari, F., Tannady, H., & Kazhim, M. A. (2023). How to Improve the Propensity to Indebtedness of Shopee Paylater Gen Z Users? Arkus, 9(1), 308–312. https://doi.org/10.37275/arkus.v9i1.295
Kamau, A., Misati, R., Ngoka, K., Odongo, M., & Were, M. (2021). Digital Financial Services and Implications of Financial Literacy on Gender and Over- Indebtedness : the Case of Kenya. African Economic Research Consortium.
Koski, E. (2021). the Importance of Financial Literacy As a Preventing Factor of Youth Indebtedness in Finland. Digikogu.Taltech.Ee. https://digikogu.taltech.ee/en/Download/3654e2ee-460c-4bae-aa52- 388b524ada2d/Finantskirjaoskuseolulisusvlakoormusetekkimise.pdf
Kurnia, Y., Halim, E., Ekonomi, F., Petra, U. K., & Siwalankerto, J. (2015). Financial Stressors , Financial Behavior , Risk Tolerance , Financial Solvency , Financial Knowledge , dan Kepuasan Finansial. 3(1), 19–23.
Lusardi, A., Michaud, P. C., & Mitchell, O. S. (2017). Optimal financial knowledge and wealth inequality. Journal of Political Economy, 125(2), 431–477. https://doi.org/10.1086/690950
Maraz, A., Eisinger, A., Hende, B., Urbán, R., Paksi, B., Kun, B., Kökönyei, G., Griffiths, M. D., & Demetrovics, Z. (2015). Measuring compulsive buying behaviour: Psychometric validity of three different scales and prevalence in the general population and in shopping centres. Psychiatry Research, 225(3), 326–334. https://doi.org/10.1016/j.psychres.2014.11.080
Maraz, A., Griffiths, M. D., & Demetrovics, Z. (2016). The prevalence of compulsive buying: A meta-analysis. Addiction, 111(3), 408–419. https://doi.org/10.1111/add.13223
Megawati, R., & Irianto, D. (2023). International Journal of Current Economics & Business Ventures THE EFFECT OF FINTECH AND FINANCIAL LITERACY ON FINANCIAL INCLUSION IN DKI JAKARTA International Journal of Current Economics & Business Ventures. 1(1), 31–45.
Mien, Ngoc, Thi, N., & Thao, Phuong, T. (2015). Factors Affecting Personal Financial Management Behaviors: Evidence from Vietnam Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences. Proceedings of the Second Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP15Vietnam Conference), 10(5), 1–16.
Mitta, D., & Pamungkas, A. S. (2022). PENGARUH FINANCIAL LITERACY , MATERIALISM , RISK PERCEPTION , DAN MONEY VALUE TERHADAP PROPENSITY TO INDEBTEDNESS Latar belakang konsumtif dan pemborosan . Menurut Richins ( 1992 ), materialism merupakan perilaku yang mengarahkan seorang individu terhadap. 04(02), 339–347.
Müller, A., Mitchell, J. E., & De Zwaan, M. (2015). Compulsive buying. American Journal on Addictions, 24(2), 132–137. https://doi.org/10.1111/ajad.12111
Namira Nurul Alhakim, Stevia Septiani, & Eka Dasra Viana. (2023). Pengaruh Psychological Factors, Financial Literacy, dan Paylater Misuse terhadap Compulsive Buying pada Pengguna Aplikasi Paylater di Jabodetabek. Jurnal Manajemen Dan Organisasi, 14(1), 57– 68. https://doi.org/10.29244/jmo.v14i1.42798
Nguyen, T. A. N., Rózsa, Z., Belás, J., & Belásová, Ľ. (2017). The effects of perceived and actual financial knowledge on regular personal savings: Case of Vietnam. Journal of International Studies, 10(2), 278–291. https://doi.org/10.14254/2071-8330.2017/10-2/19
Oliveira, S. F. de. (2020). Influência dos fatores comportamentais na propensão ao endividamento dos estudantes universitários. Revista de Administração Da UFSM, 13(4), 829–849. https://doi.org/10.5902/1983465935196
Paluri, R. A., & Mehra, S. (2016). Financial attitude based segmentation of women in India: an exploratory study. International Journal of Bank Marketing, 34(5), 670–689. https://doi.org/10.1108/IJBM-05-2015-0073
Potrich, A. C. G., & Vieira, K. M. (2018). Demystifying fi nancial literacy : a behavioral perspective analysis. 41(9), 1047–1068. https://doi.org/10.1108/MRR-08-2017-0263
Potrich, A. C. G., Vieria, K. M., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. In The Eletronic Library (Vol. 39, Issue 1).
Prashella, D. A., & Leon, F. M. (2020). Financial Literacy in Millenials Generation in Indonesia. 151(Icmae), 322–325. https://doi.org/10.2991/aebmr.k.200915.072
Rai, K., Dua, S., & Yadav, M. (2019). Association of Financial Attitude, Financial Behaviour and Financial Knowledge Towards Financial Literacy: A Structural Equation Modeling Approach. FIIB Business Review, 8(1), 51–60. https://doi.org/10.1177/2319714519826651
Rizkiawati Laili, & Asandimitra Nadia. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus Of Control, Dan Financialk Self Eficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen, 6(3), 93–107.
Sholihin, M., & Ratmono, D. (2021). Analisis SEM-PLS dengan WarpPLS 7.0 untuk hubungan nonlinier dalam penelitian sosial dan bisnis. Penerbit Andi.
Silvia, V. (2020). Statistika Deskriptif. Penerbit Andi.
Stockdale, L. A., & Coyne, S. M. (2020). Bored and online: Reasons for using social media, problematic social networking site use, and behavioral outcomes across the transition from adolescence to emerging adulthood. Journal of Adolescence, 79(January), 173–183. https://doi.org/10.1016/j.adolescence.2020.01.010
Suharto, Y., & Hariadi, E. (2021). Analisis Kualitas Website Badan Pengembangan Sumber Daya Manusia Menggunakan Metode Webqual 4.0. Jurnal Manajemen Dan Organisasi, 12(2), 109–121. https://doi.org/10.29244/jmo.v12i2.33917
Sukma, A. P. (2022). PENGARUH FINANCIAL ATTITUDE, FINANCIAL KNOWLEDGE, DAN INCOME TERHADAP FINANCIAL MANAGEMENT BEHAVIOR DENGAN LOCUS OF CONTROL SEBAGAI VARIABEL INTERVENING (STUDI KASUS PADA MAHASISWA FAKULTAS EKONOMI UNIVERSITAS NEGERI JAKARTA). Doctoral Dissertation, UNIVERSITAS NEGERI JAKARTA.
Turunen, E., & Hiilamo, H. (2014). Health effects of indebtedness: A systematic review. BMC Public Health, 14(1). https://doi.org/10.1186/1471-2458-14-489
Wahono, H. K., & Pertiwi, D. (2020). Pengaruh Financial Literacy, Materialism, Compulsive Buying Terhadap Propensity To Indebtedness. International Journal of Financial and Investment Studies (IJFIS), 1(1), 1–14. https://doi.org/10.9744/ijfis.1.1.1-14
Weinstein, A., Maraz, A., Griffiths, M. D., Lejoyeux, M., & Demetrovics, Z. (2016). Compulsive Buying-Features and Characteristics of Addiction. In Neuropathology of Drug Addictions and Substance Misuse (Vol. 3). Elsevier Inc. https://doi.org/10.1016/B978-0-12-800634- 4.00098-6
Wiranto, J. (2023). HUBUNGAN PEMBELIAN COMPULSIVE DAN LITERASI KEUANGAN ISLAM DENGAN KECENDERUNGAN BERHUTANG SHOPEE PAYLATER PADA MAHASISWA UNIVERITAS ISLAM SULTAN AGUNG SEMARANG. Doctoral Dissertation, UNIVERSITAS ISLAM SULTAN AGUNG.
Yahaya, R., Zainol, Z., Abidin, J. H. O. @ Z., & Ismail, R. (2019). The Effect of Financial Knowledge and Financial Attitudes on Financial Behavior among University Students. International Journal of Academic Research in Business and Social Sciences, 9(8), 22–32. https://doi.org/10.6007/ijarbss/v9-i8/6205
Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal, Barometer Riset Akuntansi Dan Manajemen, 6(1). https://doi.org/10.21831/nominal.v6i1.14330
Zainul Arifin, A. (2018). Influence of financial attitude, financial behavior, financial capability on financial satisfaction. 186(INSYMA), 100–103. https://doi.org/10.2991/insyma- 18.2018.25
Published
2024-03-03
How to Cite
Niswah Maghfira, Umi Widyastuti, & Dicky Iranto. (2024). PENGARUH FINANCIAL LITERACY DAN COMPULSIVE BUYING TERHADAP PROPENSITY TO INDEBTEDNESS. Journal of Social and Economics Research, 5(2), 2156-2168. https://doi.org/10.54783/jser.v5i2.314
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