PDF Get rights and content
OriginalPaper | Open access | Published: June 7, 2026

Financial Literacy and Consumptive Behavior in the Digital Era: Evidence from Senior High School Students

Miranty, Yusuf, Sandi
EduLine: Journal of Education and Learning Innovation, Vol. 6 No. 2 (2026), pp. 142-146 https://doi.org/10.35877/454RI.eduline5194 Published: 2026-06-07
Get Permissions

Abstract

The rapid advancement of digital technology has broadened students' access to online shopping platforms, social media, and digital financial services, contributing to an increasingly uncontrolled consumptive tendency among students. This study examines the influence of financial literacy on students' consumptive behavior in the digital era. The study employs a quantitative explanatory approach involving a population of 200 tenth-grade students at SMAN 4 Bone. A sample of 40 students was determined through proportional stratified random sampling across six classes. Data were collected using a Likert-scale questionnaire that had been tested for validity and reliability, and were subsequently analyzed using simple linear regression with the assistance of IBM SPSS. The instrument testing showed that all statement items for both the financial literacy and consumptive behavior variables were valid and reliable. The regression analysis revealed a negative coefficient of -0.081 with a very small coefficient of determination (R Square) of 0.002, indicating that financial literacy accounted for only 0.2% of the variance in consumptive behavior, while the remaining 99.8% was explained by factors outside the model. These findings suggest that higher financial literacy is associated with a decline in consumptive tendencies, although the effect is relatively weak, as students' consumption patterns in the digital era are more strongly shaped by external factors such as social media, trends, and the ease of online transactions.

Keywords

Financial LiteracyDigital EraHigh School StudentsConsumptive Behavior

References (11)

  1. Amirtha, R. (2024). Financial Literacy for the Future: Preparing Individuals for Economic Success. Recent Research Reviews Journal, 3(2), 381–396. https://doi.org/10.36548/RRRJ.2024.2.006
  2. Amirudin, L. R. (2026). The Influence of E-Commerce Systems, Lifestyle, and Financial Technology Usage on Impulsive Buying Behavior among Generation Z in Jakarta. https://doi.org/10.5281/zenodo.18376918
  3. Aprilian, Imainul, R., & Anggita, W. (2020). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Akuntansi Di Universitas Bangka Belitung. Indonesia Journal of Accounting and Business, 6(0717), 61–70.
  4. Maknunah, L., & P., S. (2025). Studi Kualitatif Literasi Keuangan dan Perilaku Konsumtif Mahasiswa di Era Digital. 21(12).
  5. Munawar, S. (2023). Effect of Financial Literacy on Financial Decision and Consumer Behavior. Pakistan Journal of Humanities and Social Sciences, 11(2), 2570–2582. https://doi.org/10.52131/pjhss.2023.1102.0556
  6. Muntashofi, L. Y. B. (2023). Literasi Keuangan Digital dan Perilaku Pengelolaan Keuangan Sebagai Pendorong Keputusan Investasi. Pendidikan Akuntansi Indonesia, 21(1), 19–40.
  7. Sandi, S., Sahiruddin, S., Yusuf, Y., Suradi, A. R., & Abdullah, A. D. (2025). Entrepreneurial Interest among Higher Education Students: The Role of Emotional Intelligence, Entrepreneurship Education, and Entrepreneurial Motivation. Indonesian Journal of Business and Entrepreneurship Research, 3(3), 167–181.
  8. Sasmito, P., Riswanto, A., Thursina, F., Kusuma, F., & Nurlaila, R. Dela. (2023). Consumptive Behavior in Adolescents and Its Impact on Financial Management: Case Studies and Practical Implications. West Science Journal Economic and Entrepreneurship, 1(05), 76–83. https://doi.org/10.58812/WSEE.V1I02.70
  9. Sugiarto, Moch. (2025). Pengaruh Literasi Keuangan, Fintech Digital Payment, dan Gaya Hidup terhadap Perilaku Konsumtif Siswa di Kabupaten Jember. Jurnal Ekonomi, Manajemen, Akuntansi Dan Keuangan, 6(4), 7. https://doi.org/10.53697/EMAK.V6I4.2872
  10. Wardhani, A. P., & Ubaidillah, M. (2025). Understanding Undergraduates Money Management Behavior: A Study Beyond Financial Literacy. 285–286. https://doi.org/10.20319/icssh.2025.285286

How to Cite

Miranty, Yusuf, & Sandi. (2026). Financial Literacy and Consumptive Behavior in the Digital Era: Evidence from Senior High School Students. EduLine: Journal of Education and Learning Innovation, 6(2), 142–146. https://doi.org/10.35877/454RI.eduline5194

Copyright & license

Copyright (c) 2026 Miranty, Yusuf, Sandi
Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.