Influence Literacy Finance And Management The Impact of Finance on Consumptive Behavior in Adolescents
DOI:
https://doi.org/10.38035/sijet.v3i2.291Keywords:
Literacy Finance, Management Finance, Behavior Consumptive, TeenagerAbstract
This study examines the influence of financial literacy and financial management on consumer behavior in adolescents. This study uses a literature review method with a descriptive qualitative approach and library research methods. The results show that good financial literacy can help adolescents make wiser financial decisions, avoid impulsive purchases, and manage expenses carefully. Adolescents with low financial literacy are more likely to be trapped in consumer behavior influenced by advertising or pressure. Social. Teenagers who are trained in financial management can distinguish between needs and wants and avoid overspending. Although literacy and financial management finance play role main, factors external like media social And Advertisements also influence adolescents' consumption decisions. Therefore, effective financial literacy and management education in schools and families are essential to equip them. teenager with skills in management finance Which wise, as well as increase their awareness of external influences in financial decision-making. This study emphasizes the important role of education in reducing consumer behavior among teenagers.
References
Anggraeni, NM, & Yuniati, Y. (2023). The Influence of Financial Literacy on the Consumptive Behavior of Bangka Belitung University Students. Indonesian Journal of Applied Business and Economic Research , 4(1), 43–52.
Authority Service Finance (OJK). (2022). Survey National Literacy And Inclusion Finance 2022. Jakarta: OJK.
Baptista, S.M.J. (2021). The Influence of Financial Attitude, Financial Literacy, and Locus of Control on Financial Management Behavior (Case Study Working-Age of Semarang). International Journal of Social Science and Business , 5(1), 93–98.
Dewi, KR, & Widyastuti, MR (2023). The Influence of Financial Literacy and Self-Control on the Consumptive Behavior of Student E-Money Users in Depok City. Journal of Research and Business Dynamics , 2(3), 112–120.
Dube, L., & Hitsch, G. J. (2015). Financial management skills and their impact on consumption behavior . Journal of Business Research, 68(5), 1034-1041.
Fauzia, A. N., & Nurdin. (2019). Influence Literacy Finance to Behavior Consumptive.
Hidayat, A., & Ahmad, F. (2020). Financial literacy and its impact on consumer behavior: Evidence from Indonesian youth. International Journal of Economics, Business and Management Studies , 8(2), 22-30.
Lusardi, A., & Mitchell, O. S. (2014). The influence of financial literacy on the consumer behavior of young adults. Journal of Consumer Affairs , 48(3), 351–371.
Lusardi, A., & Mitchell, O. S. (2014). The influence of financial literacy on the consumer behavior of young adults . Journal of Consumer Affairs, 48(3), 351–371.
Proceedings Management, 5(1), 79–84.
Pulungan, DR, & Febriaty, H. (2018). The influence of lifestyle and financial literacy on student consumer behavior. Journal of Management Science Research , 2(3), 103-110.
Rahayu, T., & Hadiyanto, H. (2023). The Influence of Financial Literacy on Consumptive Behavior with Rationality as an Intervening Variable in High School Students in Semarang. Journal of Economic Education , 12(1), 77–84.
Ridhayani, F., & Johan, IR (2020). The Influence of Financial Literacy and Reference Group toward Consumptive Behavior Across Senior High School Students. Journal of Consumer Sciences , 5(1), 29–45
Rosa, I., & Listiadi, A. (2020). The influence of financial literacy, financial education in the family, peers, and self-control on personal financial management. JOURNAL OF MANAGEMENT, 12 (2) , 245.
Salsabila, M., & Muflikhati, I. (2024). Financial Literacy, Family Financial Socialization, and Adolescent Consumptive Behavior at SMAN 10 Bekasi. Thesis, Department of Financial Sciences Family and Consumers, IPB University.
Shaari, M., et al. (2013). The Impact of Financial Literacy on Personal Financial Management . Journal of Financial Education, 39(2), 25-37.
Syamsuddin, S. (2023). The influence of financial literacy and personal financial management on the consumer behavior of students using online loans. Journal of Management and Business (JMB) , 7(1), 45–54.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Himaldha Dwi Cahyani
This work is licensed under a Creative Commons Attribution 4.0 International License.
Copyright :
Authors who publish their manuscripts in this journal agree to the following conditions:
- Copyright in each article belongs to the author.
- The author acknowledges that the Siber International Journal of Education Technology (SIJET) has the right to be the first to publish under a Creative Commons Attribution 4.0 International license (Attribution 4.0 International CC BY 4.0).
- Authors can submit articles separately, arrange the non-exclusive distribution of manuscripts that have been published in this journal to other versions (for example, sent to the author's institutional repository, publication in a book, etc.), by acknowledging that the manuscript has been published for the first time at Siber International Journal of Education Technology (SIJET).
