The Influence Financial Literacy, Self-Discipline, and Financial Management on Consumer Behavior of Accounting Students in Triatma Mulya University Campus Environment

ABSTRACT : Consumptive behavior is an individual's tendency to purchase goods or services excessively without considering priority needs. In college students, this behavior often arises due to a lack of ability to manage finances, low financial literacy, and weak self-control. This study aims to analyze the influence of financial literacy, self-discipline, and financial management on the consumptive behavior of accounting students on the Triatma Mulya University campus. This study uses a quantitative approach. The population in this study were 154 accounting students at Triatma Mulya University. The sampling technique used purposive sampling with a sample size of 106 respondents. The data analysis technique used is multiple linear regression analysis. Based on the results of the analysis, it can be concluded that financial literacy does not affect student consumptive behavior, while self-discipline and financial management have a negative effect on student consumptive behavior.