PENGARUH TINGKAT PENDIDIKAN, LITERASI KEUANGAN DAN PERENCANAAN KEUANGAN TERHADAP PERILAKU KOMSUMTIF MAHASISWA MARITIM

Abstract

This study aims to analyze the influence of education level, financial literacy, and financial planning on the consumer behavior of maritime students. The background of this study is the high level of uncontrolled consumption among students, particularly in maritime education environments, which is often not balanced by adequate financial management skills. This study used a quantitative approach with a survey method. Data were collected through questionnaires distributed to maritime students from various educational levels. Data analysis was conducted using multiple linear regression to determine the simultaneous and partial effects of independent variables on consumer behavior. The results showed that financial literacy and financial planning had a negative and significant effect on consumer behavior, while education level showed no significant effect. This finding indicates the importance of increasing financial literacy education and financial planning awareness in reducing student consumer behavior.