ANALISIS DETERMINAN PERILAKU KONSUMTIF KELUARGA MUSLIM KOTA TANJUNGBALAI DENGAN PENDAPATAN SEBAGAI VARIABEL INTERVENING

Abstract

This study aims to determine the effect of financial literacy, lifestyle, income and financial attitudes on the consumptive behavior of Muslim families through income as an intervening variable. In this study, researchers used quantitative methods by processing primary data through questionnaires distributed to Muslim families in Tanjungbalai City as many as 100 respondents with the sampling technique of proportionate stratified random sampling.The data obtained were then processed using SPSS Version 25, then analyzed using path analysis. The analysis used includes the validity and reliability test of the instrument, the classical assumption test which includes the normality test, the multicollinearity test, and the heteroscedasticity test, as well as the statistical test which provides for the determination test, partial test (t-test), and simultaneous test (f-test).The results show that partially financial literacy has an effect on income, lifestyle partially affects income, financial attitudes partially have no effect on income, while income partially affects consumptive behavior. As for Financial Literacy partially affects Consumptive Behavior, Lifestyle partially affects Consumptive Behavior, Financial Attitude partially does not affect Consumptive Behavior. From the results of the significant test, it was obtained that Financial Literacy and Lifestyle had a significant and significant effect on Consumptive Behavior through Income. Meanwhile, Financial Attitude has no significant effect on Consumptive Behavior through Income with a 95% confidence level or an error rate of 5%.