JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI Vol. 24, No. 04, 2022, pp. 53-61 Published online ... in http://jos.unsoed.ac.id/index.php/jame ISSN: 1410-9336/E-ISSN: 2620-8482 Correspondence to : ratri@mercubuana-yogya.ac.id Received: 9 Sep 2022 Accepted: 12 Nov 2022 Published: 1 Dec 2022 INTRODUCTION Generation Z's consumptive behavior can disrupt their financial stability. Therefore, the skills in managing finances must be possessed by Generation Z (Dewanti et al., 2022). In recent years, the practice of financial management in Generation Z has received serious attention from various organizations, such as the government, financial institutions, universities and so on (Fietroh & Mandasari, 2022). Plus, the existence of various digital shopping platforms today has influenced Generation Z, in conducting spending transactions through existing e-commerce and marketplaces especially during this COVID-19 pandemic, so many activities are supported by digital media (Bayu Surindra, 2022). Lifestyle Lifestyle refers to the choice to distribute income based on the relative distribution in the assortment of products and services, and for specific alternatives. This means that lifestyle can describe the consumption patterns of everyone who are diverse, for example, some have total expenditures on food, entertainment, or education. Lifestyle is a way of life for a person identified by how people spend time (activity), something that is considered important in their environment (interests) and what is thought about oneself and the world around them (opinions) (Nugroho, 2021). Lifestyle measures human activity, interests and opinions in terms of: 1. Often hang out with friends in the café. 2. Like to collect items that are currently trending. 3. Feel cool if you can follow the trend The daily behavior of individuals which includes interests, opinions, and activities with characteristics tends to like something luxurious and likes to squander money because they are interested in symbols that can distinguish their social status(Oktafikasari & Mahmud, 2017). Today, life is increasingly disrupted and fast-paced with the development of technology, the impact of these technological developments makes the previous generation slowly begin to be replaced with a new generation, Generation Z, which has a different mindset and character so that it can form its own personality and paradigm (Subawa et al., 2020). Generation Z as the first generation who has grown up in the middle of an era of developed information technology, being one of the most critical users of SNS, constantly engaging in online exchanging of information and conversation among its peers (Silva, S. S.; Machado, J. C. & Cruz, 2017). The Influence of Lifestyle and Financial Literacy against Consumptive Behavior of Generation Z in Yogyakarta during The Covid-19 Pandemic Ratri Paramitalaksmi1, Wuku Astuti2, Hadjija Dewi Aviva3 1,2,3Accounting Department, Faculty of Economic, Universitas Mercu Buana Yogyakarta, Indonesia Abstract This study aims to determine the influence of lifestyle and financial literacy against consumptive behaviour of Generation Z in Yogyakarta during the Covid-19 pandemic. The method used in this study was by distributing questionnaires to 200 students in Yogyakarta who was born in the years after 1995 to 2010 by sampling method through Google Form. This sampling determination is expected to be a representative of Generation Z in Yogyakarta, Indonesia. The result of this study is that the higher the lifestyle, the higher the consumptive behavior of Generation Z in Yogyakarta during the Covid-19 Pandemic. On the other hand, lower level of financial literacy, the higher the consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic. Keywords Lifestyle; Financial Literacy; Consumptive Behavior; Generation Z; Covid-19 Pandemic file:///E:/Downloads/ratri@mercubuana-yogya.ac.id JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI , Vol. 24, No. 4, 2022, pp. 53-61 The results of research conducted by Credit Karma in 2018 showed that 39% of the younger generation is willing to owe debt to always follow the ongoing trends, which is very unfortunate (Rinjani & Prasetyaningrum, 2021). One thing that needs to be considered is how to manage finances that can inhibit consumptive behavior so that it is not excessive through financial literacy and overall, financial literacy affects everything from day-to-day to long-term financial decisions, also this has implications for individuals and society. (Lestari et al., 2022). Financial Literacy Financial literacy is a useful tool to change behavior from unintelligent to intelligent, such as how to utilize income to saving, investment, and the needs of life (Purwanto, 2019). Financial literacy describes the management of a person's finances to achieve maximum well-being and as a measure of an individual's understanding of personal financial management based on the use of the information they had (Azizah, 2020). According to Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) by Otoritas Jasa Keuangan (OJK) in 2019 it showed the financial literacy index reached 38.03% which was previously in 2016 at 29.7%. The financial inclusion index in 2019 was 76.19% which was 67.8% previously in 2016 (OJK, 2020). Based on SNLKI conducted by the OJK in 2016 the students have a financial literacy rate of 23.4% and financial inclusion of 64.2%. This percentage shows a considerable difference, the younger generation has gained access to credit, savings, insurance, and other financial services but the understanding of the benefits and risks of financial services has not been maximized. Meanwhile, the reality is that the younger generation is one of the largest users in the cashless transaction system. Financial literacy is expected to help students to take control of their personal finances, the younger generation (Paramitalaksmi, 2021). According to (Weng, 2018), college students’ financial education mainly focuses on teaching students financial thinking, cultivating financial skills, improving student’s financial quotient, and guiding students to set up the correct financial outlook, as well as outlooks on life and values. The magnitude of the influence of financial literacy is partially significant on student consumptive behavior, this is evidenced by a value of 38.9% which means that financial literacy variables can contribute to consumptive behavior variables (Fauzia & Nurdin, 2019). Consumptive Behavior Consumption can affect economic stability, where the higher human consumption, the higher the changes that occur in the economy. High consumptive behavior is caused by a person's lifestyle. One of the factors that influence consumptive behavior is lifestyle, where humans will more often spend their income to meet their wants instead of needs (Irianto, 2022). Consumptive behavior generally refers to a person or group that carries out the process of consuming a product, service, brand or company as well as the use of excessive money value consciously or unconsciously and will be sustainable (Fungky et al., 2021). . If this behavior is allowed to continue, it will result in wasteful actions (Rosyada & Adinugraha, 2022). Financial attitudes and behaviors are reflected in a person's ability to determine financial goals, compile financial planning, manage finances and be able to make quality financial decisions in using financial products and services (Sugiharti & Maula, 2019). In modern times, especially during the Covid-19 pandemic, there are many changes, especially when we compare it with previous years. One of these changes is regarding high consumptive behavior, especially in Generation Z who always follow existing developments. The ease of access to loans, saving, insurance and other financial services without being accompanied by an understanding of the benefits and risks of these services has maximally contributed to increasing consumptive behavior among Generation Z, especially during the Covid-19 pandemic. Today, when you want to buy a certain product, you can do it on a communication device or your cellphone with an online shop, in an economic point of view, of course this situation is an attraction in itself for users who are indeed interested in it but on the other hand it can encourage people who are less mature in financial management to easily spend on goods that are actually not really needed (Syah & Barsah, 2022). Social media also have an effect on the consumptive behavior of Generation Z, within the COVID- 19 pandemic (Sinclair, 2021) . Various results of research on lifestyle have certainly been done a lot with various kinds of habits and results in it. There was a JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI , Vol. 24, No. 4, 2022, pp. 53-61 positive and significant influence on the consumptive behavior of Generation Z during the Covid-19 pandemic (Fungky et al., 2021). Generation Z Generation Z is the generation born in the years after 1995 to 2010 (Hidvegi & Erdös, 2016). The oldest age of Generation Z in 2022 is 27 years old. Generation Z is addicted to technology and social media, and they want to receive everything quickly and conveniently. They get information from the internet and share it frequently. They are also strong at multitasking, dislike working in groups, and are technologically proficient (Simangunsong, 2018). Generation Z has a lifestyle that focuses on what is experienced in the present without thinking about future risks or commonly called You Only Live Once (YOLO). In addition, Generation Z has a sense of Fear of Missing Out (FOMO), or a feeling of fear of being left behind a lifestyle trend that is being widely used or carried out by others. The level of knowledge of Generation Z financial literacy at this time is still very low even though to reduce consumptive behavior to improve and understand about financial management with financial literacy. Therefore, individuals who lack understanding of financial literacy for their personal finances sometimes tend to behave consumptively. During the Covid-19 pandemic, Generation Z are threatened with consumptive behavior. This consumptive behavior is due to an excessive lifestyle without thinking rationally. The level of consumptiveness has increased, especially for Generation Z who always follow the development of the lifestyle that is always exhibited on their social media (Citra & Pambudi, 2022). The Covid-19 Pandemic Covid-19 was first identified in November 2019 in China and was decided as a pandemic by World Health Organization (WHO) in the early months of 2020 (Sukardi, 2020). Pembatasan Sosial Berskala Besar (PSBB) began to be implemented by the Government of Indonesia as a first step in responding to the Covid-19 pandemic. During the Covid-19 pandemic, there are many changes, especially when we compare it with previous years. One of the changes is about financial behavior. Good financial behavior should reflect good and responsible financial behavior so that all finances, both individuals and families and communities, can be managed appropriately (Rumini et al., 2019). The mind frame used in this study is as follows: ------------------------------------------ Insert Figure 1 in here Based on the explanation above, this study aims to determine the influence of financial literacy and lifestyle levels against consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic. RESEARCH METHODS The analytical techniques in this study consist of research instrument tests, normality tests and regression tests. Validity and reability tests are useful for knowing the validity and realiableness of each item contained in the questionnaire. Testing of research instruments is carried out before the actual data is collected. The instrument is said to be valid if the correlation > 0.30, while the instrument is said to be reliable if the correlation > 0.60. After the instrument test is carried out, then data collection can be carried out. Before the data can be analyzed, a normality test must be carried out beforehand. The sample data must meet the requirements of normal distribution. testing was carried out by the method of One Sample Kormogrov Smirnov Test with a significance level of 5%. The criteria of this test are as follows: a. the probability of asymp.sig (2-tailed) > 0.05 then the data is normally distributed. b. the probability of asymp.sig (2-tailed) < 0.05 then the data is abnormally distributed After the normality test was met, a Multiple Linear Regression analysis was then carried out using SPSS 25.00 for Windows to analyze the data that had been collected related to financial literacy, lifestyle and consumptive behavior of students. The formula of the Multiple Regression equation in this study is: Y = a + b1 X1 + b2 X2 Information: Y = Consumptive Behavior a = constant b = coefficient X1 = Lifestyle X2 = Financial Literacy The data collection technique used is a questionnaire. Questionnaire is a data collection technique that is carried out by giving a set of questions or written statements to respondents for them to answer. The type of questionnaire used is a closed and structured questionnaire, meaning that the JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI , Vol. 24, No. 4, 2022, pp. 53-61 question or statement does not give the respondent the freedom to give their answers and opinions according to their wishes because the answers have been provided. The respondents of this study were 200 students in Yogyakarta who was born in the years after 1995 to 2010 with sampling method. This sampling determination is expected to be a representative of Generation Z in Yogyakarta, Indonesia. The basis of decision making by looking at the significance value (Sig.) is as follows: Asymp. Sig. < 0.05, there is an influence of financial literacy and lifestyle levels against consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic. Asymp. Sig. > 0.05, there is no influence of financial literacy and lifestyle levels against consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic. It describes the research design used comprises of methods, technique in collecting data, technique of data analysis, and variables measurement which are written in paragraphs, not numbering. RESULTS AND DISCUSSION Lifestyle The following are the results of validity tests and reability tests on Lifestyle variables: ------------------------------------------ Insert Table 1 in here The results of the validity test on lifestyle variables as shown in Table 3 show that all questions regarding lifestyle are valid. It can be seen that the question of lifestyle has a Pearson Correlation value of > 0.30. ------------------------------------------ Insert Table 2 in here The results of the lifestyle variable reability test as shown in Table 4 show that lifestyle is reliable. This can be seen from the value of Cronbach's Alpha > 0.60 on questions regarding lifestyle. Financial Literacy The following are the results of validity tests and reability tests on Financial Literacy variables: ------------------------------------------ Insert Table 3 in here The results of the validity test on financial literacy variables as shown in Table 1 show that all questions regarding financial literacy are valid. It can be seen that the question of financial literacy has a Pearson Correlation value of > 0.30. ------------------------------------------ Insert Table 4 in here The results of the financial literacy variable reability test as shown in Table 2 show that financial literacy is reliable. This can be seen from the value of Cronbach's Alpha > 0.60 on questions regarding financial literacy. Consumptive Behavior Consumptive behavior becomes the act of buying goods not to meet needs but to fulfill dreams, which is done excessively which causes waste of costs. The word consumptive has the meaning of extravagant, which consumes goods and services in excess. The pattern of human life is controlled and driven by a dream to fulfill the desire of pleasure alone is considered to be a consumptive behavior (Wahyuni et al., 2019). The following are the results of validity tests and reability tests on consumptive behavior variables: ------------------------------------------ Insert Table 5 in here The results of the validity test on the consumptive behavior variable as shown in Table 5 show that all questions regarding consumptive behavior are valid. It can be seen that the question of consumptive behavior has a Pearson Correlation value of > 0.30. ------------------------------------------ Insert Table 6 in here The results of the reability test of consumptive behavior variables as shown in Table 6 show that consumptive behavior is reliable. This can be seen from Cronbach's Alpha value > 0.60 on questions regarding consumptive behavior. The Influence of Financial Literacy and Lifestyle against Consumptive Behavior of Generation Z in Yogyakarta during The Covid-19 Pandemic ------------------------------------------ Insert Table 7 in here The results of the normality test as shown in Table 7 show that the Asymp value. Sig. (2- tailed) is by 0.017. This value > 0.05, thus showing that the data in the study were normally distributed. ------------------------------------------ Insert Table 8 in here Based on the results of simultaneous calculations in Table 8, a calculated F value of 111.823 with a significance of 0.000 and a table F of 3.00 was obtained. The F value of JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI , Vol. 24, No. 4, 2022, pp. 53-61 the calculation > the table F value and the significance value of the < 0.05, meaning that there is an explanation between lifestyle and financial literacy against the consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic. ------------------------------------------ Insert Table 9 in here Based on Table 9, the multiple regression equations in this study are as follows: Y = 7,680 + 0,693 X1 + (-0,213) X2 The multiple regression equation can be described as follows. The multiple regression equation above is known to have a constant of 7.680. The magnitude of the constant indicates that if an independent variable is assumed to be zero then the dependent variable, that is Y, rises by 7.680. The variable coefficient X1 = 0.693 means that any increase in X1 by 1% will cause an increase in Y of 0.693%. The variable coefficient X2 = - 0.213 means that any decrease in X2 by1% will lead to an increase in Y of 0.213% Based on the results of calculations using SPSS 25 Tools for Windows seen in Table 9, it seen that for lifestyle variables obtained t count 14.798 > t table 1.28586 with a significance value of 0.000 < 0.05. It means that the higher lifestyle, the higher the consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic. In Table 9 also seen that for the financial literacy variable obtained t count - 0.213 < t table 1.28586 with a significance value of 0.014 < 0.05. It means that the lower level of financial literacy, the higher the consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic. ------------------------------------------ Insert Table 10 in here Based on the calculation results using SPSS 25 for Windows seen in Table 10, it shown that the R Square obtained is 0.532. This means that 53.2% of the consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic can be explained by the variables lifestyle and financial literacy. While the rest, namely 46.8% of the consumptive behavior of Generation Z during the Covid-19 pandemic in Special Region of Yogyakarta, Indonesia influenced by other variables not included in the study. CONCLUSION Based on the results of this study, it can be concluded that lifestyle has an influence on consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic. It means that the higher lifestyle, the higher the consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic. Financial Literacy has an influence on consumptive behavior of Generation Z in Yogyakarta during the Covid-19 pandemic. It means that the lower level of financial literacy, the higher the consumptive behavior of Generation Z in Yogyakarta during the Covid- 19 pandemic. Suggestions for further research are expected to add different independent variables to find out other variables that can affect consumptive behavior variables of Generation Z in Yogyakarta during the Covid- 19 pandemic such as self-control and demographic conditions. REFERENCES Azizah, N. S. (2020). Pengaruh Literasi Keuangan, Gaya Hidup pada Perilaku Keuangan pada Generasi Milenial. Prisma (Platform Riset Mahasiswa Akuntansi), 1(2). http://ojs.stiesa.ac.id/index.php/prisma/articl e/view/422 Bayu Surindra. (2022). The Influence of Economic Literacy and Digital Literacy on Consumptive Behaviour of Students. International Journal Of Humanities Education and Social Sciences (IJHESS), 1(5). https://doi.org/10.55227/ijhess.v1i5.143 Citra, E., & Pambudi, R. (2022). Pengaruh Literasi, Motivasi, dan Expected Return terhadap Minat Berinvestasi Generasi Z di Pasar Modal pada Mahasiswa UNIKA Atma Jaya Jakarta. Prosiding Working Papers Series In Management. Dewanti, M. C., Rosyanti, D. M., & Khoirotunnisa, F. (2022). External Locus of Control, Financial Attitude, and Financial Management Behavior. Journal of Information System, Applied, Management, Accounting and Research, 6(2), 471–478. https://doi.org/https://doi.org/10.52362/jisam ar.v6i2.795 Fauzia, A. N., & Nurdin. (2019). Pengaruh Literasi Keuangan terhadap Perilaku Konsumtif (Studi Kasus pada Mahasiswa Program Studi Manajemen Universitas Islam Bandung Angkatan 2015). Proceeding Manajeman SPeSIA UNISBA, 5(1). Fietroh, M. N., & Mandasari, J. (2022). The Impact of Financial Knowledge, Financial Attitude, And Parents’ Income on Financial Management Behaviour in Generation Z. Fungky, T., Sari, T. P., & Sanjaya, V. F. (2021). Pengaruh Gaya Hidup serta Literasi JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI , Vol. 24, No. 4, 2022, pp. 53-61 Keuangan terhadap Perilaku Konsumtif Generasi Z pada Masa Pandemi (Studi Kasus Mahasiswa/i Manajemen Bisnis Syariah, UIN Raden Intan Lampung Angkatan 2019). Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen Dan Kewirausahaan, 1(1), 82–98. https://doi.org/https://doi.org/10.46306/vls.v2 i1.71 Hidvegi, A., & Erdös, A. K. (2016). Assessing the online purchasing decisions of Generation Z. FIKUSZ ’16 Symposium for Young Researchers, November 2016. Irianto, P. E. A. (2022). Pengaruh Asal Daerah, Uang Saku, Lifestyle Terhadap Perilaku Konsumtif Selama Pandemi Covid-19 (Studi Kasus Mahasiswa Jurusan Ekonomi Pembangunan Universitas Islam Indonesia) [Universitas Islam Indonesia]. https://dspace.uii.ac.id/handle/123456789/38 292 Lestari, T. S., Suraji, R., & Istianingsih. (2022). The Effect of Financial Literature on Consumptive Behavior in Call of Duty Mobile Game Players. Social Science and Humanities Journal, 6(6), 2754–2773. https://sshj.in/index.php/sshj/article/view/803 /311 Nugroho, A. C. (2021). Perkembangan Riset Perilaku Konsumen: Analisis Dengan Metoda Text Mining Visualization. Jurnal Inspirasi Bisnis Dan Manajemen, 4(2), 149. https://doi.org/10.33603/jibm.v4i2.3477 OJK. (2020). Survei Nasional Literasi dan Inklusi Keuangan 2019. https://ojk.go.id/id/berita- dan- kegiatan/publikasi/Documents/Pages/Survei- Nasional-Literasi-dan-Inklusi-Keuangan- 2019/BOOKLET%20Survei%20Nasional%2 0Literasi%20dan%20Inklusi%20Keuangan% 202019.pdf Oktafikasari, E., & Mahmud, A. (2017). Konformitas Hedonis dan Literasi Ekonomi terhadap Perilaku Konsumtif melalui Gaya Hidup Konsumtif. Economic Education Analysis Journal, 6(3), 684–697. https://journal.unnes.ac.id/sju/index.php/eeaj /article/view/20280 Paramitalaksmi, R. (2021). Financial Literacy Level of Students Majoring in Accounting, Mercu Buana University of Yogyakarta. Interdisciplinary Social Studies, 1(4), 432– 442. https://doi.org/10.55324/iss.v1i4.91 Purwanto, E. (2019). Buku Monograf Analisis Literasi Keuangan, Faktor Demografi, dan Pendapatan terhadap Perilaku Konsumtif Mahasiswa. Sasanti Institute. http://repository.upnjatim.ac.id/84/12/BUKU %20LITERASI%20KUANGAN.pdf Rinjani, L. B., & Prasetyaningrum, J. (2021). Hubungan Intensitas Penggunaan Media Sosial dan Konformitas Kelompok dengan Perilaku Konsumtif pada Remaja Akhir. http://eprints.ums.ac.id/88456/1/Naskah%20 Publikasi.pdf Rosyada, F. A., & Adinugraha, H. H. (2022). The Influence of Hijab Fashion Trends on Consumptive Behavior of Islamic Banking Students at IAIN Pekalongan. Journal of Management and Islamic Finance, 2(1), 43– 53. https://doi.org/https://doi.org/10.22515/jmif.v 2i1.5114 Rumini, Sugiharto, B., & Kurniawan, A. (2019). The Moderating Effect of Competitive Strategies on Intelectual Capital and Company Value in Banking Companies. Accounting Research Journal Os Sutaatmadja (Accruals), 3(1). https://doi.org/https://doi.org/10.35310/accru als.v3i1.43 Silva, S. S.; Machado, J. C. & Cruz, M. (2017). Generation Z: influencers of decision-making process. The influence of WOM and Peer Interaction in the Decision-Making Process. International Journal of MArketing, Communication and New Media, March. Simangunsong, E. (2018). Generation-Z Buying Behaviour in Indonesia: Opportunities for Retail Businesses. MIX: JURNAL ILMIAH MANAJEMEN, 8(2), 243. https://doi.org/10.22441/mix.2018.v8i2.004 Sinclair, T. (2021). An explanatory study on the effect TikTok has on the consumer buying behaviour of Generation Z, within the COVID- 19 pandemic [Independent Institute of Education: Vega School]. https://iiespace.iie.ac.za/bitstream/handle/11 622/633/Sinclair%2c%20Tegan.pdf?sequen ce=1&isAllowed=y Subawa, N. S., Widhiasthini, N. W., Pika, P. A. T. P., Suryawati, P. I., & Astawa, I. N. D. (2020). Generation Z Behavior and Low Price Products in the Era of Disruption. International Journal of Social Sciences and Management Review, 03(03), 1–12. https://ijssmr.org/uploads2020/ijssmr03_93.p df Sugiharti, H., & Maula, K. A. (2019). Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa. Accounthink : Journal of Accounting and Finance, 4(2). https://doi.org/10.35706/acc.v4i2.2208 Sukardi, M. (2020, March 13). Ternyata COVID-19 Pertama Kali Muncul pada 17 November 2019, Bukan Desember : Okezone health. Okezone. https://health.okezone.com/read/2020/03/13/ 481/2182628/ternyata-covid-19-pertama- kali-muncul-pada-17-november-2019-bukan- desember Syah, A., & Barsah, A. (2022). Pengaruh Gaya Hidup dan Literasi Keuangan terhadap Keputusan Berinvestasi Generasi Milinial Kota Tangerang Selatan. SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management and Business , JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI , Vol. 24, No. 4, 2022, pp. 53-61 5(3), 649–655. https://doi.org/https://doi.org/10.37481/sjr.v5i 3.518 Wahyuni, R., Irfani, H., Syahrina, I. A., & Mariana, R. (2019). Pengaruh Gaya Hidup dan Literasi Keuangan terhadap Perilaku Konsumtif Berbelanja Online pada Ibu Rumah Tangga di Kecamatan Lubuk Begalung Kota Padang. Jurnal Benefita, 4(3), 548. https://doi.org/10.22216/jbe.v4i3.4194 Weng, T.-S. (2018). A New Method in Teaching Financial Management to Students. International Journal of Information and Education Technology, 8(9), 616–622. https://doi.org/10.18178/ijiet.2018.8.9.1110 List of Tables Table 1. Lifestyle Validity Test Results Correlations Activity Interest Opinion Lifestyle Activity Pearson Correlation 1 .590** .594** .824** Sig. (2-tailed) .000 .000 .000 N 200 200 200 200 Interest Pearson Correlation .590** 1 .733** .896** Sig. (2-tailed) .000 .000 .000 N 200 200 200 200 Opinion Pearson Correlation .594** .733** 1 .894** Sig. (2-tailed) .000 .000 .000 N 200 200 200 200 Lifestyle Pearson Correlation .824** .896** .894** 1 Sig. (2-tailed) .000 .000 .000 N 200 200 200 200 **. Correlation is significant at the 0.01 level (2-tailed). Table 2. Lifestyle Reability Test Results Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach's Alpha if Item Deleted Activity 5.70 4.030 .635 .845 Interest 5.40 3.296 .744 .743 Opinion 5.42 3.421 .748 .739 Table 3. Financial Literacy Validity Test Results Correlations Financial Literacy Deposits and Loans Incurance Investment Financial Literacy Financial Literacy Pearson Correlation 1 .360** .312** .280** .690** Sig. (2-tailed) .000 .000 .000 .000 N 200 200 200 200 200 Deposits and Loans Pearson Correlation .360** 1 .306** .241** .675** Sig. (2-tailed) .000 .000 .001 .000 N 200 200 200 200 200 Insurances Pearson Correlation .312** .306** 1 .247** .741** Sig. (2-tailed) .000 .000 .000 .000 N 200 200 200 200 200 Investment Pearson Correlation .280** .241** .247** 1 .621** Sig. (2-tailed) .000 .001 .000 .000 N 200 200 200 200 200 Financial Literacy Pearson Correlation .690** .675** .741** .621** 1 Sig. (2-tailed) .000 .000 .000 .000 N 200 200 200 200 200 **. Correlation is significant at the 0.01 level (2-tailed). JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI , Vol. 24, No. 4, 2022, pp. 53-61 Table 4. Financial Literacy Reability Test Results Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item-Total Correlation Cronbach's Alpha if Item Deleted Financial Literacy 13.65 1.455 .441 .512 Deposits and Loans 13.51 1.477 .418 .527 Insurance 13.78 1.198 .397 .555 Investment 13.51 1.558 .343 .577 Table 5. Comsumptive Behaviour Validity Test Results Correlations Impulsive Irrational Extravagant Consumptive Behaviour Impulsive Pearson Correlation 1 .682** .596** .875** Sig. (2-tailed) .000 .000 .000 N 200 200 200 200 Irrational Pearson Correlation .682** 1 .582** .886** Sig. (2-tailed) .000 .000 .000 N 200 200 200 200 Extravagant Pearson Correlation .596** .582** 1 .830** Sig. (2-tailed) .000 .000 .000 N 200 200 200 200 Consumptive Behaviour Pearson Correlation .875** .886** .830** 1 Sig. (2-tailed) .000 .000 .000 N 200 200 200 200 **. Correlation is significant at the 0.01 level (2-tailed). Table 6. Comsumptive Behaviour Reability Test Results Item-Total Statistics Scale Mean if Item Deleted Scale Variance if Item Deleted Corrected Item- Total Correlation Cronbach’s Alpha if Item Deleted Impulsive 6.21 3.363 .722 .730 Irrational 6.48 2.964 .708 .747 Extravagant 6.39 3.636 .641 .807 Table 7. Normality Test Results One-Sample Kolmogorov-Smirnov Test Unstandardized Residual N 200 Normal Parametersa,b Mean .0000000 Std. Deviation 1.79538359 Most Extreme Differences Absolute .071 Positive .071 Negative -.056 Test Statistic .071 Asymp. Sig. (2-tailed) .017c a. Test distribution is Normal. b. Calculated from data. c. Lilliefors Significance Correction. Table 8. Simultaneous Test Results ANOVAa Model Sum of Squares df Mean Square F Sig. 1 Regression 728.223 2 364.111 111.823 .000b Residual 641.457 197 3.256 JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI , Vol. 24, No. 4, 2022, pp. 53-61 Total 1369.680 199 a. Dependent Variable: Consumptive Behaviour b. Predictors: (Constant), Lifestyle, Financial Literacy Table 9. Multiple Linear Test Results Coefficientsa Model Unstandardized Coefficients Standardized Coefficients Beta t Sig. B Std. Error 1 (Constant) 7.680 1.596 4.812 .000 Lifestyle .693 .047 .722 14.798 .000 Financial Literacy -.213 .086 -.121 -2.489 .014 a. Dependent Variable: Consumptive Behaviour Table 10. Coefficient of Determination Test Results Model Summaryb Model R R Square Adjusted R Square Std. Error of the Estimate 1 .729a .532 .527 1.80447 a. Predictors: (Constant), Lifestyle, Financial Literacy b. Dependent Variable: Consumptive Behaviour List of Figures Figure 1. Mind Frame of The Study β=0,421 Sign=0,000 Lifestyle of Generation Z Financial Literacy of Generasion Z Consumptive Behaviour of Generation Z