Published: 2026-04-01

Literasi Keuangan Terhadap Perilaku Konsumtif Dengan Kontrol Diri Sebagai Variabel Moderasi (Studi Pada Gen Z Kota Malang)

DOI: 10.35870/jemsi.v12i2.6354

Amaliatul Khasanah, Mardiana Mardiana
  • Amaliatul Khasanah: Universitas Islam Negeri Maulana Malik Ibrahim Malang
  • Mardiana Mardiana: Universitas Islam Negeri Maulana Malik Ibrahim Malang
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Abstract

Generation Z is consuming habits are changing due to the advancement of digital technology, and they are becoming more prone to consumptive behavior. The purpose of this study is to examine how financial literacy affects consumptive behavior among Generation Z in Malang City, using self-control as a moderating variable. The study employed a quantitative methodology, gathering primary data from 165 respondents chosen through purposive sampling via an online questionnaire. With the use of SmartPLS 3 software, structural equation modeling was used to analyze the data. The findings demonstrated that consumptive behavior was significantly impacted by self-control but not by financial literacy. In addition, self-control was not proven to moderate the relationship between financial literacy and consumptive behavior. This study concluded that psychological aspects, especially self-control, have a more dominant role than financial knowledge in shaping the consumption behavior of Generation Z. These results are consistent with the theories of planned behavior, hedonic consumption, and self-control, which have significant ramifications for the creation of financial education and self-control-enhancing initiatives that support the same consumer behavior.


 

Keywords

Financial Literacy; Consumer Behavior; Self-Control; Gen Z

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How to Cite

Khasanah, A., & Mardiana, M. (2026). Literasi Keuangan Terhadap Perilaku Konsumtif Dengan Kontrol Diri Sebagai Variabel Moderasi (Studi Pada Gen Z Kota Malang). JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 12(2), 1844-1853. https://doi.org/10.35870/jemsi.v12i2.6354
Article Information

This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.

  • Issue: Vol. 12 No. 2 (2026)

  • Section: Articles

  • Published: 2026-04-01

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Author Biographies
Amaliatul Khasanah, Universitas Islam Negeri Maulana Malik Ibrahim Malang
Google Scholar ResearchGate ORCID

Prodi Manajemen, Fakultas Ekonomi, Universitas Islam Negeri Maulana Malik Ibrahim Malang, Jalan Gajayana No. 50, Dinoyo, Kecamatan Lowokwaru, Kota Malang, Jawa Timur 65144, Indonesia.

Mardiana Mardiana, Universitas Islam Negeri Maulana Malik Ibrahim Malang
Google Scholar ResearchGate ORCID

Prodi Manajemen, Fakultas Ekonomi, Universitas Islam Negeri Maulana Malik Ibrahim Malang, Jalan Gajayana No. 50, Dinoyo, Kecamatan Lowokwaru, Kota Malang, Jawa Timur 65144, Indonesia.

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