Pengaruh Teman Sebaya, Literasi Keuangan dan Perilaku Konsumtif terhadap Kesejahteraan Finansial Generasi Z Penggemar Coffee To-Go

Abstract

Tren konsumsi kopi khususnya coffee to-go semakin berkembang di Indonesia. Pola konsumsi tersebut jika dilakukan secara berulang berdampak terhadap kondisi keuangan individu. Penelitian ini bertujuan menganalisis pengaruh teman sebaya, literasi keuangan dan perilaku konsumtif terhadap kesejahteraan finansial generasi Z penggemar coffee to-go. Penelitian ini menggunakan desain crosssectional, menggunakan teknik voluntary sampling, dengan melibatkan 305 responden. Data dianalisis menggunakan SPSS 25 dan Structural Equation Model (SEM). Hasil uji korelasi menunjukkan bahwa usia, pendapatan, dan pekerjaan berkorelasi positif dengan perilaku keuangan dan literasi keuangan. Pendapatan dan pekerjaan berkorelasi positif dengan kesejahteraan finansial. Selain itu, pembelian coffee to-go berkorelasi positif terhadap perilaku konsumtif. Hasil analisis menunjukkan teman sebaya berpengaruh positif signifikan terhadap perilaku konsumtif, sementara literasi keuangan berpengaruh positif terhadap kesejahteraan finansial. Temuan ini menegaskan pentingnya tingkat literasi keuangan dalam meningkatkan kesejahteraan finansial, serta pengendalian pengaruh teman sebaya yang dapat mendorong perilaku konsumtif.

The trend of coffee consumption, particularly coffee to-go is growing in Indonesia. If repeated over time, this consumption pattern can impact individuals' financial well-being. This study aims to analyze the influence of peer group, financial literacy and consumptive behavior on the financial well-being of Generation Z coffee to-go consumers. This study employed a cross-sectional design, and used voluntary sampling, involved 305 respondents. Data were analyzed using SPSS 25 and Structural Equation Modeling (SEM). Correlation test results indicate that age, income, and job are positively correlated with financial behavior. Income and job are also positively correlated with financial well-being. Additionally, purchasing coffee to-go is positively correlated with consumptive behavior. The analysis results indicate that peers have a significant positive influence on consumptive behavior, while financial literacy has a positive influence on financial well-being. These findings highlight the importance of financial literacy in achieving financial well-being, as well as the need to manage the influence of peer groups, as it can encourage consumptive behavior.