Copyright (c) 2023 Yulita, Ati Sumiati, Sri Zulaihati
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
THE INFLUENCE OF FINANCIAL LITERACY, SELF-CONTROL, AND CONFORMITY ON CONSUMPTIVE BEHAVIOR IN THE USE OF ONLINE FOOD DELIVERY APPLICATIONS
Corresponding Author(s) : Yulita Yulita
International Research of Multidisciplinary Analysis,
Vol. 1 No. 2 (2023): International Research of Multidisciplinary Analysis
Abstract
This study aims to determine the effect of financial literacy, self-control, and conformity partially or simultaneously on consumptive behavior using online food delivery applications in students of the Faculty of Economics, State University of Jakarta. The method used in this study is quantitative. The population of this study was 617 students with 237 students who were used as research samples using simple random sampling technique. Primary data was used as a questionnaire / questionnaire to obtain research data. The results showed that partially the financial literacy variable had a significant adverse effect on consumptive behavior. The self-control variable also has a negative and significant influence on consumptive behavior. While the conformity variable has a positive and significant influence on consumptive behavior. Simultaneously, financial literacy, self-control, and conformity variables influence the consumptive behavior of online food delivery applications in students of the Faculty of Economics, State University of Jakarta. The test results of the coefficient of determination of 44.7%, while other factors outside the study influence the rest. The conclusion that can be drawn from this research is that there is an influence between Financial Literacy, Self-Control, and Conformity on Consumptive Behavior using online food delivery applications in students of the Faculty of Economics, State University of Jakarta
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- Abadi, A. F. P., Utomo, S. W., & Yusdita, E. E. (2020). Studi Perilaku Konsumtif Pada Mahasiswa Pendidikan Akuntansi. Jurnal Benefita, 5(2), 264. https://doi.org/10.22216/jbe.v5i2.4625
- Ajat, R. (2018). Pendekatan Penelitian Kuantitatif, Quantitative Research Approach (1st ed.). Sleman: DEEPUBLISH.
- Amaliyah, R., & Witiastuti, R. S. (2015). Analisis Faktor Yang Mempengaruhi Tingkat Literasi Keuangan Di Kalangan Umkm Kota Tegal. Management Analysis Journal, 4(3), 252–257. https://doi.org/10.15294/maj.v4i3.8876
- Apriliani, R. (2017). LITERASI KEUANGAN. (K. Abd, Ed.). Yogyakarta: ISTANA MEDIA.
- Arianto, A., & Sojanah, J. (2019). Financial Literacy as an Effort to Improve Parent Role on Children Consumer Behavior, 6(August), 113–119.
- Baron, R. A., & Branscombe, N. R. (2012). SOCIAL PSYCHOLOGY (13th ed.). Pearson Education.
- Bermudez, J. L. (2018). Self-Control, Decision Theory, and Rationality – New Essays. (J. L. Bermudez, Ed.), Journal of Economic Methodology (Vol. 27). CAMBRIDGE UNIVERSITY PRESS. https://doi.org/10.1080/1350178x.2020.1729531
- Blankstein, K. R., & Polivy, J. (1982). Self-Control and Self-Modification of Emotional Behavior Advances in the Study of.
- Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 43(8), 107–128. https://doi.org/10.3788/CJL201643.0811001
- Dewi, N., Rusdarti, & Sunarto, S. (2017). Pengaruh Lingkungan Keluarga, Teman Sebaya, Pengendalian Diri Dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa. Journal of Economic Education, 6(1), 29–35. Retrieved from http://journal.unnes.ac.id/sju/index.php/jeec
- Dikria, O., & W., S. U. M. (2016). Pengaruh Literasi Keuangan dan Pengendalian Diri Terhadap Perilaku Konsumtif Mahasiswa Jurusan Ekonomi Pembangunan Fakultas Ekonomi Universitas Negeri Malang Angkatan 2013. Jurnal Pendidikan Ekonomi, 9(2), 143–155. Retrieved from http://journal.um.ac.id
- Fattah, F. A., Indriayu, M., & Sunarto. (2018). Pengaruh Literasi Keuangan dan Pengendalian Diri Terhadap Perilaku Konsumtif Siswa SMA Muhammadiyah 1 Karanganyar. Jurnal Pendidikan Bisnis Dan Ekonomi (BISE), 4(1), 11–21. Retrieved from https://jurnal.uns.ac.id/bise
- Fitriyani, N., Widodo, P. B., & Fauziah, N. (2013). Hubungan Antara Konformitas Dengan Perilaku Konsumtif Pada Mahasiswa Di Genuk Indah Semarang. Jurnal Psikologi Undip, 12(1), 1–14. https://doi.org/10.14710/jpu.12.1.1-14
- Forsythe, S., Liu, C., Shannon, D., & Gardner, L. C. (2007). Development of a Scale to Measure the Perceived Benefots and Risks of Online Shopping. Journal of Interactive Marketing, 21(3), 2–20. https://doi.org/10.1002/dir
- Ghozali, I. (2018). Aplikasi Analisis Muktivariate dengan Program IBM SPSS 25 (9th ed.). Semarang: Badan Penerbit- Undip.
- Ghufron.M, & Risnawati, Ri. (2012). Teori-teori Psikologi. (K. Rose, Ed.). Yogyakarta: Ar-Ruzz Media.
- Halimatussakdiyah, Martono, S., & Sudarma, K. (2019). Influence of Life Style and Financial Literacy to Consumptive Behavior Through Self Control of Unisnu FEB College Students Jepara. Journal Of Economic Education, 8(37), 75–80.
- Hayati, A., Yusuf, A. M., & Asnah, M. B. (2020). Contribution of Self Control and Peer Conformity to Consumptive Behavior, 02(01), 16–24. https://doi.org/10.24036/005344ijaccs
- Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
- Indarti, K., & Canda Sakti, N. (2017). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Siswa Kelas Xi Ips Di Sma Negeri 1 Taman Sidoarjo. Jurnal Pendidikan Ekonomi (JUPE), 5(3).
- Indra, M., & Cahyaningrum, I. (2019). METODOLOGI PENELITIAN. Yogyakarta: DEEPUBLISH.
- Kang, I., Cui, H., & Son, J. (2019). Conformity consumption behavior and FoMO. Sustainability (Switzerland), 11(17). https://doi.org/10.3390/su11174734
- Kusairi, S., Sanusi, N. A., Muhamad, S., Shukri, M., & Zamri, N. (2020). Linkages of financial efficacy, demographics, risks preference and consumption behavior in Malaysia. Journal of Asian Finance, Economics and Business, 7(9), 673–685. https://doi.org/10.13106/JAFEB.2020.VOL7.NO9.673
- Lestarina, E., Karimah, H., Febrianti, N., Ranny, R., & Herlina, D. (2017). Perilaku Konsumtif di Kalangan Remaja. JRTI (Jurnal Riset Tindakan Indonesia), 2(2), 1–6. https://doi.org/10.29210/3003210000
- Li, C., Mirosa, M., & Bremer, P. (2020). Review of online food delivery platforms and their impacts on sustainability. Sustainability (Switzerland), 12(14), 1–17. https://doi.org/10.3390/su12145528
- Mawo, T., Thomas, P., & Sunarto, S. (2017). Pengaruh Literasi Keuangan, Konsep Diri dan Budaya Terhadap Perilaku Konsumtif Siswa Sman 1 Kota Bajawa. Journal of Economic Education, 6(1), 60–65.
- Mufarizzaturrizkiyah, Aziz, A., & Leliya. (2020). E – COMMERCE PERILAKU GAYA HIDUP KONSUMTIF MAHASISWA MUSLIM. (E. Kurnaesi & M. Rana, Eds.). Cirebon: CV. ELSI PRO.
- Muri, Y. (2014). METODE PENELITIAN. KENCANA.
- Mutrofin, L. (2018). Pengaruh Status Sosial Ekonomi Orang Tua, Kontrol Diri Dan Responden Pada Iklan Terhadap Pola Perilaku Konsumtif Mahasiswa Fakultas Ekonomi, Jurusan Ekonomi Pembangunan, Universitas Negeri Malang. Jurnal Pendidikan Ekonomi, 11(1), 1.
- Myers, D. G. (2010). Social Psychology, (10 Ed.). McGraw-Hill (10th ed.). McGraw-Hill. Retrieved from https://books.google.co.id/books?id=Ld3gtwEACAAJ&dq=myers+social+psychology&hl=id&sa=X&ved=2ahUKEwjM1P6L3LnsAhXhFLcAHU26D5UQ6AEwBXoECAYQAQ
- Ningtyas, M. N. (2019). Literasi Keuangan pada Generasi Milenial. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 13(1), 20–27. https://doi.org/10.32812/jibeka.v13i1.111
- Nisa, C. L., & Arief, S. (2019). The Impact of Self-Control , Self-Esteem and Peer Environment on Online Shopping Consumptive Behavior. Journal of Advances in Information Systems and Technology 1, 1(October), 13–20.
- Nisa, C. L., & Arief, S. (2019). The Impact of Self-Control , Self-Esteem and Peer Environment on Online Shopping Consumptive Behavior. Journal of Advances in Information Systems and Technology 1, 1(October), 13–20.
- Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). Otoritas Jasa Keuangan, 1–99.
- Qurotaa’yun, Z., & Krisnawati, A. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Milenial Di Kota Bandung. JAF- Journal of Accounting and Finance, 3(1), 46. https://doi.org/10.25124/jaf.v3i1.2167
- Riyadi, S., & Pritami, D. (2018). the Impact of Financial Literacy, Consumptive Behavior and M Banking Services on Savings Management. International Journal of Advanced Research, 6(10), 88–94. https://doi.org/10.21474/ijar01/7789
- Romadloniyah, A., & Setiaji, K. (2020). Pengaruh Status Sosial Ekonomi Orang Tua, Konformitas, Dan Literasi Keuangan Terhadap Perilaku Konsumtif Dalam Prespektif Gender. Economic Education Analysis Journal, 9(1), 50–64. https://doi.org/10.15294/eeaj.v9i1.37224
- Rosita, R. (2020). Faktor Yang Mempengaruhi Perilaku Generasi Milenial Terhadap Keputusan Menggunakan Aplikasi Grabfood. Jurnal Lentera Bisnis, 9(1), 95. https://doi.org/10.34127/jrlab.v9i1.348
- Salsabila, R., & Nio, S. R. (2019). Hubungan kontrol diri dengan perilaku konsumtif mahasiswa fakultas hukum ubh pengguna shopee, 1–12.
- Sari, D. E. (2018). Pendidikan Literasi Keuangan melalui Program Kemitraan dengan Bank untuk Mengurangi Perilaku Konsumtif pada Mahasiswa. Jurnal Pendidikan Ilmu Sosial, 28(1), 22–30.
- Smet, B. (1994). Psikologi kesehatan /Bart Smet. Jakarta: Grasindo.
- Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/j.jbef.2017.04.002
- Sugiyono. (2020). METODE PENELITAIN KUANTITATIF KUALITATIF dan R&D. (Sutopo, Ed.) (2nd ed.). Bandung: Alfabeta.
- Sumartono. (2002). Terperangkap Dalam Iklan: Meneropong Imbas Pesan Iklan Televisi. Bandung: Alfabeta, CV.
- Suminar, E., & Meiyuntari, T. (2015). Konsep Diri, Konformitas dan Perilaku Konsumtif Pada Remaja. Jurnal Psikologi Indonesia, 6(9), 145–152. https://doi.org/https://doi.org/10.30996/persona.v4i02.556
- Suryanto, Putra, M. G. B. A., Herdiana, I., & Alvian, I. N. (2012). Pengantar Psikologi Sosial (1st ed.). Pusat Penerbitan dan Percetakan Universitas Airlangga.
- Taofik, H. (2015). LITERASI KEUANGAN. Semarang: STIE Bank DPD Jateng.
- Thalib, S. B. (2010). Psikologi Pendidikan Berbasis Analisis Empiris Aplikatif. KENCANA PRENAMEDIA GROUP. Jakarta.
- Tripambudi, B., & Indrawati, E. S. (2018). Hubungan Antara Kontrol Diri Dengan Perilaku Konsumtif Pembelian Gadget Pada Mahasiswa Teknik Industri Universitas Diponegoro. Empati, 7(2), 189–195.
- Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Jurnal Nominal, VI, 11–26.
References
Abadi, A. F. P., Utomo, S. W., & Yusdita, E. E. (2020). Studi Perilaku Konsumtif Pada Mahasiswa Pendidikan Akuntansi. Jurnal Benefita, 5(2), 264. https://doi.org/10.22216/jbe.v5i2.4625
Ajat, R. (2018). Pendekatan Penelitian Kuantitatif, Quantitative Research Approach (1st ed.). Sleman: DEEPUBLISH.
Amaliyah, R., & Witiastuti, R. S. (2015). Analisis Faktor Yang Mempengaruhi Tingkat Literasi Keuangan Di Kalangan Umkm Kota Tegal. Management Analysis Journal, 4(3), 252–257. https://doi.org/10.15294/maj.v4i3.8876
Apriliani, R. (2017). LITERASI KEUANGAN. (K. Abd, Ed.). Yogyakarta: ISTANA MEDIA.
Arianto, A., & Sojanah, J. (2019). Financial Literacy as an Effort to Improve Parent Role on Children Consumer Behavior, 6(August), 113–119.
Baron, R. A., & Branscombe, N. R. (2012). SOCIAL PSYCHOLOGY (13th ed.). Pearson Education.
Bermudez, J. L. (2018). Self-Control, Decision Theory, and Rationality – New Essays. (J. L. Bermudez, Ed.), Journal of Economic Methodology (Vol. 27). CAMBRIDGE UNIVERSITY PRESS. https://doi.org/10.1080/1350178x.2020.1729531
Blankstein, K. R., & Polivy, J. (1982). Self-Control and Self-Modification of Emotional Behavior Advances in the Study of.
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 43(8), 107–128. https://doi.org/10.3788/CJL201643.0811001
Dewi, N., Rusdarti, & Sunarto, S. (2017). Pengaruh Lingkungan Keluarga, Teman Sebaya, Pengendalian Diri Dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa. Journal of Economic Education, 6(1), 29–35. Retrieved from http://journal.unnes.ac.id/sju/index.php/jeec
Dikria, O., & W., S. U. M. (2016). Pengaruh Literasi Keuangan dan Pengendalian Diri Terhadap Perilaku Konsumtif Mahasiswa Jurusan Ekonomi Pembangunan Fakultas Ekonomi Universitas Negeri Malang Angkatan 2013. Jurnal Pendidikan Ekonomi, 9(2), 143–155. Retrieved from http://journal.um.ac.id
Fattah, F. A., Indriayu, M., & Sunarto. (2018). Pengaruh Literasi Keuangan dan Pengendalian Diri Terhadap Perilaku Konsumtif Siswa SMA Muhammadiyah 1 Karanganyar. Jurnal Pendidikan Bisnis Dan Ekonomi (BISE), 4(1), 11–21. Retrieved from https://jurnal.uns.ac.id/bise
Fitriyani, N., Widodo, P. B., & Fauziah, N. (2013). Hubungan Antara Konformitas Dengan Perilaku Konsumtif Pada Mahasiswa Di Genuk Indah Semarang. Jurnal Psikologi Undip, 12(1), 1–14. https://doi.org/10.14710/jpu.12.1.1-14
Forsythe, S., Liu, C., Shannon, D., & Gardner, L. C. (2007). Development of a Scale to Measure the Perceived Benefots and Risks of Online Shopping. Journal of Interactive Marketing, 21(3), 2–20. https://doi.org/10.1002/dir
Ghozali, I. (2018). Aplikasi Analisis Muktivariate dengan Program IBM SPSS 25 (9th ed.). Semarang: Badan Penerbit- Undip.
Ghufron.M, & Risnawati, Ri. (2012). Teori-teori Psikologi. (K. Rose, Ed.). Yogyakarta: Ar-Ruzz Media.
Halimatussakdiyah, Martono, S., & Sudarma, K. (2019). Influence of Life Style and Financial Literacy to Consumptive Behavior Through Self Control of Unisnu FEB College Students Jepara. Journal Of Economic Education, 8(37), 75–80.
Hayati, A., Yusuf, A. M., & Asnah, M. B. (2020). Contribution of Self Control and Peer Conformity to Consumptive Behavior, 02(01), 16–24. https://doi.org/10.24036/005344ijaccs
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Indarti, K., & Canda Sakti, N. (2017). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Siswa Kelas Xi Ips Di Sma Negeri 1 Taman Sidoarjo. Jurnal Pendidikan Ekonomi (JUPE), 5(3).
Indra, M., & Cahyaningrum, I. (2019). METODOLOGI PENELITIAN. Yogyakarta: DEEPUBLISH.
Kang, I., Cui, H., & Son, J. (2019). Conformity consumption behavior and FoMO. Sustainability (Switzerland), 11(17). https://doi.org/10.3390/su11174734
Kusairi, S., Sanusi, N. A., Muhamad, S., Shukri, M., & Zamri, N. (2020). Linkages of financial efficacy, demographics, risks preference and consumption behavior in Malaysia. Journal of Asian Finance, Economics and Business, 7(9), 673–685. https://doi.org/10.13106/JAFEB.2020.VOL7.NO9.673
Lestarina, E., Karimah, H., Febrianti, N., Ranny, R., & Herlina, D. (2017). Perilaku Konsumtif di Kalangan Remaja. JRTI (Jurnal Riset Tindakan Indonesia), 2(2), 1–6. https://doi.org/10.29210/3003210000
Li, C., Mirosa, M., & Bremer, P. (2020). Review of online food delivery platforms and their impacts on sustainability. Sustainability (Switzerland), 12(14), 1–17. https://doi.org/10.3390/su12145528
Mawo, T., Thomas, P., & Sunarto, S. (2017). Pengaruh Literasi Keuangan, Konsep Diri dan Budaya Terhadap Perilaku Konsumtif Siswa Sman 1 Kota Bajawa. Journal of Economic Education, 6(1), 60–65.
Mufarizzaturrizkiyah, Aziz, A., & Leliya. (2020). E – COMMERCE PERILAKU GAYA HIDUP KONSUMTIF MAHASISWA MUSLIM. (E. Kurnaesi & M. Rana, Eds.). Cirebon: CV. ELSI PRO.
Muri, Y. (2014). METODE PENELITIAN. KENCANA.
Mutrofin, L. (2018). Pengaruh Status Sosial Ekonomi Orang Tua, Kontrol Diri Dan Responden Pada Iklan Terhadap Pola Perilaku Konsumtif Mahasiswa Fakultas Ekonomi, Jurusan Ekonomi Pembangunan, Universitas Negeri Malang. Jurnal Pendidikan Ekonomi, 11(1), 1.
Myers, D. G. (2010). Social Psychology, (10 Ed.). McGraw-Hill (10th ed.). McGraw-Hill. Retrieved from https://books.google.co.id/books?id=Ld3gtwEACAAJ&dq=myers+social+psychology&hl=id&sa=X&ved=2ahUKEwjM1P6L3LnsAhXhFLcAHU26D5UQ6AEwBXoECAYQAQ
Ningtyas, M. N. (2019). Literasi Keuangan pada Generasi Milenial. Jurnal Ilmiah Bisnis Dan Ekonomi Asia, 13(1), 20–27. https://doi.org/10.32812/jibeka.v13i1.111
Nisa, C. L., & Arief, S. (2019). The Impact of Self-Control , Self-Esteem and Peer Environment on Online Shopping Consumptive Behavior. Journal of Advances in Information Systems and Technology 1, 1(October), 13–20.
Nisa, C. L., & Arief, S. (2019). The Impact of Self-Control , Self-Esteem and Peer Environment on Online Shopping Consumptive Behavior. Journal of Advances in Information Systems and Technology 1, 1(October), 13–20.
Otoritas Jasa Keuangan. (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit 2017). Otoritas Jasa Keuangan, 1–99.
Qurotaa’yun, Z., & Krisnawati, A. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Milenial Di Kota Bandung. JAF- Journal of Accounting and Finance, 3(1), 46. https://doi.org/10.25124/jaf.v3i1.2167
Riyadi, S., & Pritami, D. (2018). the Impact of Financial Literacy, Consumptive Behavior and M Banking Services on Savings Management. International Journal of Advanced Research, 6(10), 88–94. https://doi.org/10.21474/ijar01/7789
Romadloniyah, A., & Setiaji, K. (2020). Pengaruh Status Sosial Ekonomi Orang Tua, Konformitas, Dan Literasi Keuangan Terhadap Perilaku Konsumtif Dalam Prespektif Gender. Economic Education Analysis Journal, 9(1), 50–64. https://doi.org/10.15294/eeaj.v9i1.37224
Rosita, R. (2020). Faktor Yang Mempengaruhi Perilaku Generasi Milenial Terhadap Keputusan Menggunakan Aplikasi Grabfood. Jurnal Lentera Bisnis, 9(1), 95. https://doi.org/10.34127/jrlab.v9i1.348
Salsabila, R., & Nio, S. R. (2019). Hubungan kontrol diri dengan perilaku konsumtif mahasiswa fakultas hukum ubh pengguna shopee, 1–12.
Sari, D. E. (2018). Pendidikan Literasi Keuangan melalui Program Kemitraan dengan Bank untuk Mengurangi Perilaku Konsumtif pada Mahasiswa. Jurnal Pendidikan Ilmu Sosial, 28(1), 22–30.
Smet, B. (1994). Psikologi kesehatan /Bart Smet. Jakarta: Grasindo.
Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/j.jbef.2017.04.002
Sugiyono. (2020). METODE PENELITAIN KUANTITATIF KUALITATIF dan R&D. (Sutopo, Ed.) (2nd ed.). Bandung: Alfabeta.
Sumartono. (2002). Terperangkap Dalam Iklan: Meneropong Imbas Pesan Iklan Televisi. Bandung: Alfabeta, CV.
Suminar, E., & Meiyuntari, T. (2015). Konsep Diri, Konformitas dan Perilaku Konsumtif Pada Remaja. Jurnal Psikologi Indonesia, 6(9), 145–152. https://doi.org/https://doi.org/10.30996/persona.v4i02.556
Suryanto, Putra, M. G. B. A., Herdiana, I., & Alvian, I. N. (2012). Pengantar Psikologi Sosial (1st ed.). Pusat Penerbitan dan Percetakan Universitas Airlangga.
Taofik, H. (2015). LITERASI KEUANGAN. Semarang: STIE Bank DPD Jateng.
Thalib, S. B. (2010). Psikologi Pendidikan Berbasis Analisis Empiris Aplikatif. KENCANA PRENAMEDIA GROUP. Jakarta.
Tripambudi, B., & Indrawati, E. S. (2018). Hubungan Antara Kontrol Diri Dengan Perilaku Konsumtif Pembelian Gadget Pada Mahasiswa Teknik Industri Universitas Diponegoro. Empati, 7(2), 189–195.
Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Jurnal Nominal, VI, 11–26.