PENGARUH LITERASI KEUANGAN, PERSEPSI KENAIKAN TARIF PAJAK PERTAMBAHAN NILAI, DAN TINGKAT PENDAPATAN TERHADAP PERILAKU KONSUMTIF PADA PENDUDUK DI DKI JAKARTA

Chintya Malika Indarto, . (2025) PENGARUH LITERASI KEUANGAN, PERSEPSI KENAIKAN TARIF PAJAK PERTAMBAHAN NILAI, DAN TINGKAT PENDAPATAN TERHADAP PERILAKU KONSUMTIF PADA PENDUDUK DI DKI JAKARTA. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.

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Abstract

This study aims to analyze the effect of financial literacy, perspective on the increase in Value Added Tax (VAT) rates, and income level on consumptive behavior in DKI Jakarta. The background of this research is based on the high level of consumption of urban communities, especially in DKI Jakarta, as well as changes in fiscal policy in the form of an increase in VAT rates that have the potential to affect consumption patterns. This research uses a quantitative approach with a survey method of 100 respondents selected through probability sampling technique. The instrument used was a questionnaire with a Likert scale, and data analysis was conducted using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method with the help of SmartPLS software. The results showed that financial literacy has no significant effect on consumptive behavior. This shows that although respondents have a high level of financial literacy, the knowledge is not fully applied in everyday life. The perspective of the increase in VAT rates has a negative effect on consumptive behavior, this shows that the perception of an increase in VAT rates has an impact on reducing consumption because the prices of goods and services are considered to be more expensive, so that consumptive behavior can be suppressed. Meanwhile, income level shows a significant positive effect on consumptive behavior, where the higher a person's income, the more likely they are to overconsume. This research is expected to be a reference for the government in formulating responsive fiscal policies and encouraging an increase in public financial literacy to create wise consumption behavior. Keywords: Financial Literacy, Value Added Tax, Income Level, Consumptive Behavior, DKI Jakarta.

Item Type: Thesis (Skripsi)
Additional Information: [No.Panggil: 2110112168] [Pembimbing: Ekawati Jati Wibawaningsih] [Penguji 1: Ferry Irawan] [Penguji 2: Suparna Wijaya]
Uncontrolled Keywords: Financial Literacy, Value Added Tax, Income Level, Consumptive Behavior, DKI Jakarta
Subjects: H Social Sciences > HF Commerce > HF5601 Accounting
H Social Sciences > HG Finance
Divisions: Fakultas Ekonomi dan Bisnis > Program Studi Akuntansi (S1)
Depositing User: CHINTYA MALIKA INDARTO
Date Deposited: 07 Sep 2025 09:21
Last Modified: 08 Sep 2025 01:20
URI: http://repository.upnvj.ac.id/id/eprint/37634

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