Pengaruh Uang Saku, Gaya Hidup, dan Financial Technology terhadap Perilaku Konsumtif pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surabaya

Perilaku konsumtif pada mahasiswa semakin meningkat seiring dengan bertambahnya uang saku, perubahan gaya hidup, dan perkembangan financial technology. Penelitian ini bertujuan untuk menganalisis pengaruh uang saku, gaya hidup, dan financial technology terhadap perilaku konsumtif mahasiswa Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surabaya, baik secara parsial maupun simultan. Penelitian ini menggunakan metode kuantitatif dengan populasi mahasiswa Program Studi Manajemen dan Akuntansi Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Surabaya angkatan 2023–2024. Sampel penelitian berjumlah 87 responden yang ditentukan menggunakan rumus Slovin dengan teknik proportionate stratified random sampling. Analisis data dilakukan menggunakan regresi linier berganda dengan bantuan program SPSS. Hasil penelitian menunjukkan bahwa uang saku berpengaruh signifikan terhadap perilaku konsumtif mahasiswa. Gaya hidup juga berpengaruh signifikan terhadap perilaku konsumtif. Financial technology berpengaruh signifikan terhadap perilaku konsumtif mahasiswa. Uang saku, gaya hidup, dan financial technology secara bersama-sama berpengaruh signifikan terhadap perilaku konsumtif mahasiswa. Nilai koefisien determinasi sebesar 0,384 menunjukkan bahwa 38,4% perilaku konsumtif mahasiswa dapat dijelaskan oleh ketiga variabel tersebut, sedangkan sisanya dipengaruhi oleh faktor lain di luar penelitian.

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Consumptive behavior among students is increasingly rising alongside the increase in allowance, changes in lifestyle, and the development of financial technology. This study aims to analyze the influence of allowance, lifestyle, and financial technology on the consumptive behavior of students at the Faculty of Economics and Business, Universitas Muhammadiyah Surabaya, both partially and simultaneously. This research employs a quantitative method with a population of students from the Management and Accounting Study Programs at the Faculty of Economics and Business, Universitas Muhammadiyah Surabaya, from the 2023– 2024 cohort. The research sample consists of 87 respondents, determined using the Slovin formula with proportionate stratified random sampling technique. Data analysis was conducted using multiple linear regression with the assistance of SPSS software. The results indicate that allowance has a significant influence on students' consumptive behavior. Lifestyle also has a significant influence on consumptive behavior. Financial technology has a significant influence on students' consumptive behavior. Allowance, lifestyle, and financial technology together have a significant influence on students' consumptive behavior. The coefficient of determination value of 0.384 indicates that 38.4% of students' consumptive behavior can be explained by these three variables, while the rest is influenced by other factors outside the study.