Financial Literacy, Income, Lifestyle, and Consumptive Behaviour among Student Workers
Artikel
Jun 2, 2026
Abstract
Purpose: This study examines the effects of financial literacy, income, and lifestyle on the consumptive behavior of student workers partnered with online transportation companies in Kupang, Indonesia.
Methodology: This study used a quantitative survey of 100 student workers. Data were collected using questionnaires and analyzed using multiple linear regression with IBM SPSS Statistics 27.
Results: Financial literacy had a significant negative effect on consumption behavior, whereas lifestyle had a significant positive effect. Income had no significant effect on the results. Simultaneously, the three variables significantly influenced consumption behavior, with an R² value of 0.336.
Conclusions: Financial literacy and lifestyle are key determinants of the consumptive behavior of student workers, whereas income does not directly influence consumptive tendencies.
Limitations: This study is limited to student workers in Kupang City and used a cross-sectional, self-reported survey design.
Contribution: This study contributes to the behavioral finance literature by highlighting the importance of financial literacy and lifestyle control in reducing excessive consumption among gig economy student workers.
Keywords
Consumptive Behavior
Financial Literacy
Income
Indonesia
Lifestyle
Online Transportation Student Workers
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How to Cite
Poseng, Y. D., Fanggidae, R. E., & Tameno, N. (2026). Financial Literacy, Income, Lifestyle, and Consumptive Behaviour among Student Workers. Studi Akuntansi Dan Bisnis Indonesia, 2(2), 81–91. https://doi.org/10.61401/sabi.v2i2.491
Section
Artikel
Authors
Y
Yohanes De Poseng
Universitas Nusa Cendana
R
Rolland E. Fanggidae
Universitas Nusa Cendana
N
Nikson Tameno
Universitas Nusa Cendana
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Published
Jun 2, 2026
