Pengaruh Perilaku Konsumtif Pengguna Shopee terhadap Manajemen Keuangan Generasi Z di Pariaman Tengah

The ease of conducting transactions through e-commerce, particularly Shopee, may encourage consumptive behavior that can affect Generation Z’s financial management. This study aimed to analyze the effect of consumptive behavior among Shopee users on the financial management of Generation Z in Pariaman Tengah Subdistrict. The study used a quantitative approach with a survey method involving 100 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using simple linear regression, a t-test, and the coefficient of determination. The results showed that consumptive behavior had a negative and significant regression coefficient for financial management (t = −5.190; p < 0.001), with the regression equation Y = 40.553 − 0.184X. The coefficient of determination (R² = 0.216) indicated that the model explained 21.6% of the variation in financial management, while the remaining 78.4% of the variation was not explained by the model. These findings indicate that the higher the level of consumptive behavior, the lower the respondents’ financial management ability. This study provides empirical evidence of the relationship between consumptive behavior and financial management among Generation Z in Pariaman Tengah Subdistrict and emphasizes the importance of controlling consumptive behavior and practicing prudent financial management when conducting transactions through Shopee.