PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN DAN PENGGUNAAN UANG ELEKTRONIK TERHADAP PERILAKU KONSUMTIF SANTRI (STUDI KASUS PADA PONDOK PESANTREN AL-HUDA, JETIS, KUTOSARI, KEBUMEN)

Abstrak

ABSTRACT

       This study aims to identify the effect of financial literacy, financial inclusion, and the use of electronic money on the consumptive behavior of students of Al Huda Jetis Islamic Boarding School, Kutosari, Kebumen. The object of this research is students of Al Huda Jetis Islamic Boarding School, Kutosari, Kebumen who are 17 years old and students who use electronic money with primary data obtained from distributing questionnaires. The sampling technique uses non-probability sampling techniques and uses convenience sampling methods. The results showed that the value of the financial literacy variable was 0.000 <0.05, meaning that this variable had a significant effect on the consumptive behavior variable of Al Huda students. The significance value of the financial inclusion variable is 0.000 <0.05 so it can be said that the financial inclusion variable has a significant effect on the consumptive behavior variable of Al Huda Islamic Boarding School students. While the variable use of electronic money has a significance value of 0.000 <0.05 so it can be concluded that the variable use of electronic money has a significant effect on the consumptive behavior variable of Al Huda students.

Keywords: Financial Literacy, Financial Inclusion, Electronic Money, Consumptive Behavior