PENGARUH FINANCIAL LITERACY TERHADAP PERILAKU KONSUMTIF REMAJA PADA PROGRAM IPS SMA NEGERI 1 SURAKARTA TAHUN AJARAN 2012/2013

ABSTRAK Tujuan penelitian ini adalah untuk mengetahui pengaruh financial literacy terhadap perilaku konsumtif remaja pada program IPS SMA Negeri 1 Surakarta Tahun Ajaran 2012/2013. Penelitian ini adalah penelitian korelasional. Populasi dalam penelitian ini adalah siswa program IPS SMA Negeri 1 Surakarta Tahun Ajaran 2012/2013. Sampel diambil 2 kelas dari 6 kelas yang ada dengan teknik cluster random sampling. Teknik pengumpulan data adalah dengan tes dan angket, tes untuk nilai financial literacy dan angket untuk skor perilaku konsumtif. Analisis data menggunakan statistik korelasi dan regresi. Hasil penelitian menunjukkan bahwa financial literacy memiliki pengaruh sebesar -0,464 terhadap perilaku konsumtif siswa dengan signifikansi negatif. Dengan demikian dapat dikatakan bahwa financial literacy cukup berpengaruh terhadap perilaku konsumtif remaja, dimana ketika financial literacy meningkat maka perilaku konsumtif akan menurun. Hal ini didukung dengan hasil analisis regresi yaitu apabila financial literacy remaja dinaikkan 1 maka perilaku konsumtifnya akan menurun sebesar 0, 472. Kata Kunci : Financial Literacy, Perilaku Konsumtif, Remaja ABSTRACT The objective of this research is to investigate the effect of financial literacy on the adolescents’ consumptive behavior at the Social Science Program of State Senior Secondary School 1 of Surakarta in Academic Year 2012/2013. This research used the correlational research method. The population of the research was the students of the Social Science Program of State Senior Secondary School 1 of Surakarta in Academic Year 2012/2013. The samples were taken by using the cluster random sampling technique. The data of the research were gathered through test and questionnaire. The former was for the financial literacy value, and the latter was for the consumptive behavior score respectively. The data of the research were analyzed by using the correlational and regression statistics.The result of the research shows that the financial literacy has an effect of -0.464 on the consumptive behavior of the students of the school with a negative significance. Thus, it can be said that the financial literacy has an adequate affect on the adolescents’ consumptive behavior. When the financial literacy increases, the consumptive behavior decreases. This is supported by the result of the regression analysis, that is, when the value of the financial literacy is increased up to 1, the score of the consumptive behavior will decrease as much as 0.472. Keywords: Financial literacy, Consumptive Behavior, and Adolescents