Analisis Efek Financial Education Dan Self-Management Terhadap Perilaku Impulsive Buying Mahasiswa (Studi kasus Mahasiswa Perbankan Syariah di Universitas Islam Negeri Sumatera Utara)
Abstract
Perkembangan zaman mendorong semakin pesatnya teknologi. Jangkauan internet yang luas memudahkan manusia dalam melakukan kegiatan ekonomi melalui situs belanja online. Hal tersebut akan mendorong manusia untuk melakukan Impulsive buying terutama di kalangan mahasiswa. Berkaitan dengan hal tersebut, maka Financial Education serta Self - Management dibutuhkan untuk menekan perilaku Impulsive buying . Dengan memiliki Financial Education serta Self - Management yang baik, mahasiswa diharapkan terluput dari perilaku Impulsive buying. Penelitian ini bertujuan untuk mengetahui apakah Financial Education serta Self - Management memiliki pengaruh pada perilaku Impulsive buying mahasiswa Program Studi Perbankan Syariah Universitas Islam Negeri Sumatera Utara. Penelitian ini merupakan jenis penelitian kuantitatif korelasi. Populasi yang digunakan pada penelitian ini ialah seluruh mahasiswa Program Studi Perbankan Syariah, sedangkan jumlah sampel yang digunakan sebanyak 183 mahasiswa yang diambil menggunakan teknik sampling Proportionate Stratified Random Sampling. Metode pengumpulan data dalam penelitian ini yakni memakai kuesioner. Penelitian ini memakai teknik analisis data berupa analisis regresi linier berganda. Hasil uji t menunjukkan bahwa secara parsial Financial Education memberikan pengaruh yang signifikan terhadap Impulsive buying dengan nilai thitung > ttabel (6,632 > 1,973), secara parsial Self - Management memberikan pengaruh yang signifikan terhadap Impulsive buying dengan nilai thitung > ttabel (2,077 < 1,973). Hasil uji F menunjukkan hasil bahwa Financial Education dan Self - Management memberikan pengaruh yang signifikan terhadap Impulsive buying dengan nilai Fhitung > Ftabel (35,767 > 3,05). Nilai Adjusted R2 sebesar 0,276 yang memiliki arti bahwa variabel Financial Education dan Self - Management memberikan sumbangan efektif terhadap variabel Impulsive buying sebesar 27,6%, dan sisanya sebesar 72,4% dipengaruhi variabel lain yang tidak dikaji dalam penelitian ini.
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