Abstract:Abstract: This study aims to identify, evaluate, and synthesize empirical evidence regarding the role of gold as a safe-haven, hedge, and diversifier instrument in modern portfolios, employing a Systematic Literature Review…
iew (SLR) approach within the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) framework. Articles were analyzed using thematic synthesis, involving a coding process based on crisis characteristics, econometric methods, and market types. Out of 309 articles identified across the Scopus, Web of Science, ScienceDirect, and Google Scholar databases, 20 met all inclusion criteria for the 2020–2026 period. The synthesis results indicate that gold's effectiveness as a safe haven is conditional and dynamic rather than universal and static: gold proved effective in protecting portfolio value during structural financial crises—such as the 2008 Global Financial Crisis—and prolonged geopolitical tensions like the Russia-Ukraine conflict, yet it lost its protective function during the initial phases of sudden liquidity crises, such as the COVID-19 pandemic. Key moderating factors identified include crisis typology, gold market volatility, interest rate policies, exchange rate dynamics, and market characteristics—including structural differences between developed markets and emerging markets like Indonesia. The emergence of crypto-assets has not fully displaced gold's position; instead, it creates opportunities for strategic complementarity that can enhance risk-adjusted returns in modern portfolio construction.
Keywords: safe haven; gold; systematic literature review; portfolio management; cryptocurrency
Abstrak: Penelitian ini bertujuan mengidentifikasi, mengevaluasi, dan mensintesis bukti empiris mengenai peran emas sebagai instrumen safe haven, hedge, dan diversifier dalam portofolio modern melalui pendekatan Systematic Literature Review (SLR) dengan kerangka Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA). Artikel dianalisis menggunakan thematic synthesis dengan proses coding berdasarkan karakteristik krisis, metode ekonometrika, serta tipe pasar. Dari 309 artikel yang diidentifikasi melalui basis data Scopus, Web of Science, ScienceDirect, dan Google Scholar, sebanyak 20 artikel memenuhi seluruh kriteria inklusi untuk rentang periode 2020–2026. Hasil sintesis menunjukkan bahwa efektivitas emas sebagai safe haven bersifat kondisional dan dinamis, bukan universal dan statis: emas terbukti efektif melindungi nilai portofolio dalam konteks krisis finansial struktural seperti Global Financial Crisis 2008 serta tekanan geopolitik berkepanjangan seperti konflik Rusia–Ukraina, namun kehilangan fungsi protektifnya selama fase awal krisis likuiditas mendadak seperti pandemi Covid-19. Faktor-faktor moderasi utama yang teridentifikasi mencakup tipologi krisis, tingkat volatilitas pasar emas itu sendiri, kebijakan suku bunga, dinamika nilai tukar, serta karakteristik pasar, termasuk perbedaan struktural antara pasar maju dan emerging market seperti Indonesia. Kehadiran aset kripto tidak sepenuhnya menggantikan posisi emas, melainkan membentuk peluang komplementaritas strategis yang dapat meningkatkan risk-adjusted return dalam konstruksi portofolio modern.
Kata kunci: safe haven; emas; systematic literature review; manajemen portofolio; cryptocurrency
Abstract:This study aims to analyze the effect of learning discipline and learning independence on the economic learning achievement of 11th-grade students at SMAN 13 Medan in the 2025/2026 academic year. The study uses a quantitative…
ative approach with an ex-post facto method. The population of the study includes all 11th-grade students consisting of four classes, with a sample of 105 students selected using simple random sampling. Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS version 26. The results of the study show the regression equation Y = 60.410 + 0.246X₁ + 0.174X₂ + e. Partially, learning discipline has a positive and significant effect on academic achievement with a t-count value = 5.995 > t-table = 1.659 and significance 0.000 < 0.05. Learning independence also has a positive and significant effect on academic achievement with a t-count value = 4.154 > t-table = 1.659 and significance 0.000 < 0.05. Simultaneously, learning discipline and independence. Simultaneously, study discipline and learning independence have a positive and significant effect on academic achievement, with a calculated F value of 125.185 > table F of 3.09 and a significance of 0.000 < 0.05. These two variables contribute 71.1% to academic achievement, while 28.9% is influenced by other factors outside the study. Thus, study discipline and learning independence positively and significantly affect the economics learning achievement of 11th grade students at SMAN 13 Medan
Abstract:Artikel ini mengkaji dinamika harmonisasi antara pemeluk agama Islam dan Hindu di Pekon Teluk Kiluan, Kecamatan Kelumbayan, Kabupaten Tanggamus. Secara khusus, penelitian ini menganalisis konstruksi sosial yang terbentuk…
serta peran modal sosial dalam memperkuat kerukunan antarumat beragama tersebut. Menggunakan pendekatan kualitatif, data dikumpulkan melalui observasi dan wawancara terstruktur dengan tokoh agama, tokoh masyarakat, serta warga setempat. Analisis dilakukan berpijak pada teori modal sosial Robert D. Putnam, dengan fokus pada bonding social capital untuk solidaritas internal, dan bridging social capital untuk kerja sama lintas kelompok. Hasil penelitian menunjukkan bahwa konstruksi sosial yang dibangun melalui interaksi intensif dan sikap saling menghormati, mampu menciptakan harmoni pada dimensi sosial maupun spiritual. Lebih lanjut, modal sosial berupa gotong royong dan hubungan timbal balik terbukti memperkuat kohesi sosial, serta memfasilitasi penyelesaian konflik melalui kekeluargaan, musyawarah, dan mediasi. Temuan ini menegaskan bahwa harmonisasi di Pekon Teluk Kiluan tidak hanya tercipta secara mandiri oleh masyarakat, tetapi juga ditopang oleh peran aktif pemerintah pekon melalui program dukungan moderasi beragama.
Abstract:Abstract: As a state governed by the rule of law, Indonesia establishes law as the primary foundation for achieving legal certainty (*rechtszekerheid*) within the criminal justice system. However, the post-reform era has…
witnessed a fragmentation of prosecutorial authority resulting from the enactment of various special laws (*lex specialis*) outside the codified Criminal Procedure Code (KUHAP). Prosecutorial authority is now distributed among autonomous institutions such as the Attorney General's Office, the Corruption Eradication Commission (KPK), and the Military Prosecution Service (*Oditurat Militer*). This institutional fragmentation severs the single chain of command, fosters sectoral ego, and creates jurisdictional overlaps, particularly in cases involving joint military-civilian jurisdiction (*koneksitas*). This study aims to analyze the urgency of implementing a "Single Prosecution System" within Indonesia's criminal justice system as a means to address institutional fragmentation and achieve genuine legal certainty. The study employs a normative legal research method (*doctrinal legal research*) utilizing statutory, conceptual, and limited comparative approaches. Data collection relies on library research—encompassing primary and secondary legal sources—followed by qualitative analysis using deductive legal reasoning (syllogism). The findings indicate that the dualistic and trialistic nature of prosecution undermines the principles of substantive and procedural legal certainty and violates the principle of equality before the law. The absence of uniform national prosecution guidelines leads to sharp disparities in sentencing demands and eliminates the predictability of verdicts. Furthermore, the lack of unification creates chronic procedural obstacles, such as the "ping-pong" effect of case files being repeatedly returned between agencies, thereby prolonging the detention of defendants. Consequently, there is an urgent need to revitalize the pure "Single Prosecution System" principle and strengthen the *dominus litis* doctrine. All prosecutorial functions within specialized institutions must be integrated under a unified authority, coordinated and supervised by the Attorney General as the state's highest public prosecutor. The establishment of the Junior Attorney General for Military Criminal Affairs (Jampidmil) should serve as a blueprint—with its scope expanded through revisions to the Criminal Procedure Code (KUHAP) and the Prosecution Service Law—to cut red tape, restore public trust, and ensure equal justice.
Keywords: Single Prosecution System; Dominus Litis; Legal Certainty; Integrated Criminal Justice System; Prosecution Service
Abstrak: Indonesia sebagai negara hukum meletakkan hukum sebagai landasan utama guna mewujudkan kepastian hukum (rechtszekerheid) dalam sistem peradilan pidana. Namun, pasca-reformasi terjadi fragmentasi otoritas penuntutan akibat lahirnya berbagai undang-undang khusus (lex specialis) di luar kodifikasi KUHAP. Kewenangan penuntutan kini terbagi secara atributif kepada lembaga-lembaga otonom seperti Kejaksaan Agung, Komisi Pemberantasan Korupsi (KPK), dan Oditurat Militer. Fragmentasi kelembagaan ini memutus rantai komando penuntutan tunggal (single command), memicu ego sektoral, dan menimbulkan tumpang tindih yurisdiksi, terutama dalam perkara koneksitas. Penelitian ini bertujuan untuk menganalisis urgensi penerapan asas Single Prosecution System (sistem penuntutan tunggal) dalam sistem peradilan pidana Indonesia sebagai upaya mengatasi fragmentasi kelembagaan dan mewujudkan kepastian hukum yang hakiki. Penelitian ini menggunakan metode penelitian hukum normatif (doctrinal legal research) dengan pendekatan perundang-undangan (statute approach), pendekatan konseptual (conceptual approach), dan pendekatan perbandingan (comparative approach) secara terbatas. Sumber data bertumpu pada studi kepustakaan (library research) yang meliputi bahan hukum primer dan sekunder, yang kemudian dianalisis secara kualitatif dengan penalaran hukum berbasis logika deduktif (silogisme). Hasil penelitian menunjukkan bahwa dualisme dan trialisme penuntutan berimplikasi pada degradasi asas kepastian hukum substantif maupun prosedural, serta mencederai asas kesamaan di hadapan hukum (equality before the law). Ketiadaan standar pedoman penuntutan nasional yang seragam memicu disparitas tuntutan yang tajam dan menghilangkan aspek prediktabilitas putusan. Selain itu, ketiadaan unifikasi menimbulkan hambatan prosedural kronis, seperti fenomena bolak-balik berkas perkara yang memperpanjang masa penahanan terdakwa. Oleh karena itu, reaktualisasi asas single prosecution system yang murni dan penguatan doktrin dominus litis mendesak untuk diimplementasikan. Seluruh fungsi penuntutan pada lembaga khusus harus diintegrasikan di bawah satu pintu, koordinasi, dan supervisi Jaksa Agung selaku penuntut umum tertinggi negara. Pembentukan Jaksa Agung Muda Bidang Pidana Militer (Jampidmil) harus dijadikan cetak biru (blueprint) yang diperluas jangkauannya melalui pembaruan RUU KUHAP dan UU Kejaksaan demi memotong birokrasi, memulihkan kepercayaan publik (public trust), serta menjamin keadilan yang setara.
Kata Kunci: Single Prosecution System; Dominus Litis; Kepastian Hukum; Peradilan Pidana Terpadu; Kejaksaan
Abstract:Abstract: This study aims to determine the Influence of Organizational Culture and Work Environment on the Performance of Employees at the Sei Suka District Office, Batu Bara Regency. The research method used is a quantitative…
tative method using SPSS 25.00 which was collected from the results of distributing questionnaires to Employees at the Sei Suka District Office, Batu Bara Regency. The sample used in this study was 30 respondents with a census/total sampling technique. The analysis method used in this study is to use an instrument test, namely the validity and reliability test. The classical assumption test is the normality test, multicollinearity test, heteroscedasticity test, multiple linear regression analysis, coefficient of determination test (R2), hypothesis test is the partial test and simultaneous test. The results of the SPSS in this study are that Organizational Culture does not affect Employee Performance. The work environment affects Employee Performance. Organizational Culture and Work Environment have a simultaneous effect on Employee Performance.
Keywords: Organizational Culture, Work Environment, Employee Performance
Abstrak: Penelitian ini bertujuan untuk mengetahui Pengaruh Budaya Organisasi Dan Lingkungan Kerja Terhadap Kinerja Pegawai Kantor Kecamatan Sei Suka Kabupaten Batu Bara. Metode penelitian yang digunakan adalah metode kuantitatif menggunakan bantuan SPSS 25.00 yang dikumpulkan dari hasil penyebaran kuosioner kepada Pegawai Kantor Kecamatan Sei Suka Kabupaten Batu Bara. Sampel yang digunakan dalam penelitian ini berjumlah 30 responden dengan teknik sampling sensus/total. Metode anaalisis yang digunakan dalam penelitian ini yaitu menggunakan uji instrumen yaitu uji validitas dan reabilitas. Uji asumsi klasik yaitu uji normalitas, uji multikolonearitas, uji hetereskedasitas, analisis regresi linear berganda, uji koesifiensi determinasi (R2), uji hipotesis yaitu uji parsial dan uji simultan. hasil dari SPPS dalam penelitian ini yaitu Budaya Organisasi tidak bepengaruh terhadap Kinerja Pegawai. Lingkungan kerja berpengaruh terhadap Kinerja Pegawai. Budaya Organisasi dan Lingkungan Kerja berpengaruh secara simultan terhadap Kinerja Pegawai.
Kata Kunci: Budaya Organisasi, Lingkungan Kerja, Kinerja Pegawai.
Abstract:Abstract: The buffer zone of the Nantu-Boliyohuto Wildlife Sanctuary in Boalemo, Gorontalo, is a tropical rainforest harboring rich avifauna biodiversity for conservation-based ecotourism. This study identified bird species…
ies with ecotourism potential and determined their diversity level. Conducted in November 2025 in Saritani Village, the research employed a quantitative descriptive method with an exploratory approach across three zones: forest edge, riparian, and agroforestry. Results revealed 20 bird species from 17 families, totaling 198 individuals. The overall diversity index was moderate ( = 2.0746) with Dicaeum celebicum (Grey-sided Flowerpecker) being the most frequently encountered. Out of these, 10 species possess significant ecotourism potential based on striking plumage, distinctive birdsong, endemism, conservation status, and unique behavior. Key species include the Knobbed Hornbill (Rhyticeros cassidix), a Vulnerable endemic species, the Small Blue Kingfisher (Alcedo coerulescens), the Collared Kingfisher (Todirhamphus chloris), the Black Kite (Milvus migrans), and the Javan/Pied Myna (Gracupica contra). These findings indicate that the Nantu-Boliyohuto buffer zone holds substantial potential for development as a sustainable birdwatching (avitourism) destination. This wealth of biodiversity can serve as a primary attraction while simultaneously supporting regional conservation efforts and local community awareness.
Keywords: Avifauna, Birdwatching, Ecotourism, Buffer Zone, Nantu-Boliyohuto Wildlife Sanctuary.
Abstrak: Kawasan penyangga Suaka Margastwa Nantu-Boliyohuto merupakan kawasan transisi hutan hujan tropis di Kabupaten Boalemo, Gorontalo, yang menyimpan potensi keanekaragaman hayati, khusunya avifauna, sebagai daya tarik ekowisata berbasis konservasi. Penelitian ini bertujuan untuk mengidentifikasi jenis-jenis burung yang berpotensi menjadi daya tarik ekowisata serta mengetahui tingkat keanekaragaman jenis burung di kawasan tersebut. Penelitian ini dilaksanakan pada bulan November 2025 di Desa Saritani, Kecamatan Wonosari, Kabupaten Boalemo, menggunakan metode Deskriptif Kuantitatif dengan pendekatan eksplorasi pada tiga titik pengamatan, yaitu jalur tepi hutan, area riparian, dan kawasan agroforestri. Hasil penelitian ditemukan 20 spesies burung dari 17 famili dengan total 198 individu. Indeks keanekaragaman secara keseluruhan termasuk dalam kategori sedang ( = 2.0746), dengan spesies yang paling banyak dijumpai adalah Dicaeum celebicum (Cabai panggul merah/kelabu). Dari 20 spesies yang teridentifikasi, terdapat 10 spesies yang berpotensi menjadi daya tarik ekowisata berdasarkan kriteria warna bulu mencolok, suara kicauan khas, status endemik, status konservasi, dan perilaku unik, diantaranya Julang Sulawesi (Rhyticeros cassidix) sebagai spesies endemik Vulnerable, Raja Udang Biru (Alcedo coerulescens), Cekakak Sungai (Todirhamphus chloris), Elang Paria (Milvus migrans), dan Jalak Suren (Gracupica contra). Hal ini menunjukkan bahwa kawasan penyangga Suaka Margasatwa Nantu-Boliyohuto memiliki potensi yang signifikan untuk dikembangkan sebagai destinasi ekowisata berbasis pengamatan burung (birdwatching/avitourism) yang berkelanjutan.
Kata kunci: Avifauna, Birdwatching, Ekowisata, Kawasan Penyangga, Suaka Margasatwa Nantu-Boliyohuto.
Abstract:Abstract: This study examines the influence of digital competence, work motivation, and organizational culture on employee performance at PT Yuri Cakra Brothers. A quantitative descriptive approach was applied using multiple…
iple linear regression analysis. The population comprised all permanent employees of the company (approximately 120 individuals), with 92 respondents selected through the Slovin formula at a 5% margin of error. Data were collected using a structured Likert-scale questionnaire (1–5) and analyzed with SPSS 26. Prior to hypothesis testing, classical assumption tests, including normality, multicollinearity, and heteroscedasticity tests, were conducted to ensure model validity. The findings indicate that digital competence has a positive and significant effect on employee performance (t = 4.312; p = 0.000). Work motivation also positively and significantly affects employee performance (t = 3.875; p = 0.000). Likewise, organizational culture demonstrates a positive and significant effect (t = 5.127; p = 0.000). Simultaneously, the three independent variables significantly influence employee performance (F = 47.839; p = 0.000). The model yields an Adjusted R² of 0.607, suggesting that 60.7% of the variance in employee performance is explained by digital competence, work motivation, and organizational culture, while the remaining 39.3% is attributable to other factors beyond the scope of this study.
Keywords: Digital Competence; Work Motivation; Organizational Culture; Employee Performance
Abstrak: Penelitian ini bertujuan menganalisis pengaruh kompetensi digital, motivasi kerja, dan budaya organisasi terhadap kinerja karyawan di PT Yuri Cakra Brothers. Penelitian menggunakan pendekatan deskriptif kuantitatif dengan analisis regresi linear berganda. Populasi penelitian mencakup seluruh karyawan tetap perusahaan yang berjumlah sekitar 120 orang, dengan sampel sebanyak 92 responden yang ditentukan menggunakan rumus Slovin pada tingkat kesalahan 5%. Data dikumpulkan melalui kuesioner terstruktur menggunakan skala Likert 1–5 dan dianalisis menggunakan SPSS 26. Sebelum pengujian hipotesis, dilakukan uji asumsi klasik yang meliputi uji normalitas, multikolinearitas, dan heteroskedastisitas untuk memastikan kelayakan model. Hasil penelitian menunjukkan bahwa kompetensi digital berpengaruh positif dan signifikan terhadap kinerja karyawan (t = 4,312; p = 0,000). Motivasi kerja juga berpengaruh positif dan signifikan terhadap kinerja karyawan (t = 3,875; p = 0,000). Demikian pula, budaya organisasi menunjukkan pengaruh positif dan signifikan terhadap kinerja karyawan (t = 5,127; p = 0,000). Secara simultan, ketiga variabel independen berpengaruh signifikan terhadap kinerja karyawan (F = 47,839; p = 0,000). Nilai Adjusted R² sebesar 0,607 menunjukkan bahwa 60,7% variasi kinerja karyawan dapat dijelaskan oleh kompetensi digital, motivasi kerja, dan budaya organisasi, sedangkan 39,3% sisanya dipengaruhi oleh faktor lain di luar penelitian ini.
Kata kunci: Kompetensi Digital; Motivasi Kerja; Budaya Organisasi; Kinerja Karyawan
Abstract:Abstract: This research is motivated by the low learning achievement of class X students in Economics at SMA Negeri 10 Medan, many of whom have not yet reached the Minimum Completion Criteria (KKM). The purpose of this study…
tudy is to determine the influence of the family environment and learning facilities on students’ achievement in Economics. A quantitative approach with an ex-post facto design was used. The population comprised 252 class X students, with a sample of 154 respondents selected by simple random sampling. Data were collected through observation, interviews, documentation, and Likert-scale questionnaires. Data analysis used multiple linear regression. The results show the regression equation Y = a + b1X1 + b2X2. Partial hypothesis tests indicate the family environment has a positive and significant effect on Economics achievement (tcount > ttable; p < 0.05). Partially, learning facilities also have a positive and significant effect (tcount > ttable; p < 0.05). Simultaneous testing shows both variables jointly have a positive and significant effect on Economics achievement (Fcount > Ftable; p < 0.05). The combined influence of family environment and learning facilities on Economics achievement is 62%, while the remaining 38% is explained by other variables not examined in this study. Thus, there is a positive and significant influence of family environment and learning facilities on the Economics achievement of grade 10 students at SMA Negeri 10 Medan.
Keywords: Family Environment, Learning Facilities, Economics Learning Achievement
Abstrak: Penelitian ini dilatarbelakangi oleh rendahnya prestasi belajar siswa pada mata pelajaran Ekonomi kelas X di SMA Negeri 10 Medan yang masih banyak belum mencapai Kriteria Ketuntasan Minimal (KKM). Tujuan penelitian ini adalah mengetahui pengaruh lingkungan keluarga dan fasilitas belajar terhadap prestasi belajar ekonomi siswa. Pendekatan kuantitatif digunakan dengan jenis ex-post facto. Populasi 252 siswa kelas X, sampel 154 responden menggunakan simple random sampling. Pengumpulan data melalui observasi, wawancara, dokumentasi, dan angket skala Likert. Analisis data menggunakan regresi linear berganda. Hasil analisis menunjukkan persamaan regresi Y = a + b1X1 + b2X2. Uji hipotesis parsial menunjukkan lingkungan keluarga berpengaruh positif dan signifikan terhadap prestasi belajar ekonomi (thitung > ttabel; sig. < 0,05). Secara parsial fasilitas belajar juga berpengaruh positif dan signifikan (thitung > ttabel; sig. < 0,05). Uji simultan menunjukkan kedua variabel berpengaruh positif dan signifikan terhadap prestasi belajar ekonomi (Fhitung > Ftabel; sig. < 0,05). Pengaruh lingkungan keluarga dan fasilitas belajar terhadap prestasi belajar ekonomi sebesar 62%, sedangkan 38% dipengaruhi variabel lain yang tidak diteliti. Dengan demikian, terdapat pengaruh positif dan signifikan antara lingkungan keluarga dan fasilitas belajar terhadap prestasi belajar ekonomi siswa kelas X SMA Negeri 10 Medan.
Kata Kunci: Lingkungan Keluarga, Fasilitas Belajar, Prestasi Belajar Ekonomi
Abstract:Abstract: This study aims to analyze the influence of peer group and social media use on the consumptive behavior of students at SMAN 1 Batang Kuis. This research uses a quantitative method with an ex post facto approach.…
. The population consisted of 344 students, with a sample of 185 students taken using proportional random sampling. Data collection was carried out through a questionnaire instrument that has been tested for validity using Aiken's V formula and reliability using Cronbach's Alpha. Data analysis techniques include descriptive analysis, classical assumption tests (normality, linearity, multicollinearity, heteroscedasticity), multiple linear regression analysis, and hypothesis testing (t-test and F-test). The results showed that: (1) the peer group environment has a positive and significant effect on consumptive behavior; (2) the use of social media has a positive and significant effect on consumptive behavior; (3) the peer group environment and the use of social media simultaneously have a positive and significant effect on consumptive behavior. The coefficient of determination (R²) of 0.302 indicates that both independent variables contribute 30.2% to consumptive behavior, while the remaining 69.8% is influenced by other variables.
Keywords: Peer Group; Social Media Use; Consumptive Behavior
Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh lingkungan teman sebaya (peer group) dan penggunaan media sosial terhadap perilaku konsumtif siswa SMAN 1 Batang Kuis. Penelitian ini menggunakan metode kuantitatif dengan pendekatan ex post facto. Populasi berjumlah 344 siswa, dengan sampel sebanyak 185 siswa yang diambil menggunakan teknik proportional random sampling. Pengumpulan data dilakukan melalui instrumen angket yang telah diuji validitasnya menggunakan rumus Aiken's V dan reliabilitas menggunakan Cronbach's Alpha. Teknik analisis data meliputi analisis deskriptif, uji asumsi klasik (normalitas, linearitas, multikolinearitas, heteroskedastisitas), analisis regresi linear berganda, dan uji hipotesis (uji t dan uji F). Hasil penelitian menunjukkan bahwa: (1) lingkungan teman sebaya berpengaruh positif dan signifikan terhadap perilaku konsumtif; (2) penggunaan media sosial berpengaruh positif dan signifikan terhadap perilaku konsumtif; (3) lingkungan teman sebaya dan penggunaan media sosial secara simultan berpengaruh positif dan signifikan terhadap perilaku konsumtif. Nilai koefisien determinasi (R²) sebesar 0,302 mengindikasikan bahwa kedua variabel bebas memberikan kontribusi sebesar 30,2% terhadap perilaku konsumtif, sedangkan sisanya 69,8% dipengaruhi oleh variabel lain.
Kata kunci: Lingkungan Teman Sebaya; Penggunaan Media Sosial; Perilaku Konsumtif
Abstract:Abstract: This research was motivated by the high level of consumptive behavior among class XI students at SMA Negeri 20 Medan, which is characterized by the habit of purchasing goods based on wants, following trends, and…
d being less able to distinguish between needs and wants. The purpose of this study was to determine the influence of financial literacy and self-control on the consumptive behavior of class XI students at SMA Negeri 20 Medan. This study used a quantitative approach with an ex-post facto research design. The population in this study consisted of 155 class XI students at SMA Negeri 20 Medan. The sampling technique used was total sampling, so the entire population was used as the research sample. Data collection techniques were carried out through observation, documentation, and questionnaires using a Likert scale. The data analysis technique used was multiple linear regression.The results of the study showed the regression equation: Y = 40.433 – 0.053X1 – 0.037X2. Based on partial hypothesis testing, financial literacy (X1) had a negative and significant effect on students’ consumptive behavior (Y) with a tcount value of 2.486 > ttable 1.655 and a significance value of 0.014 < 0.05. Self-control (X2) also had a negative and significant effect on students’ consumptive behavior (Y) with a tcount value of 2.085 > ttable 1.655 and a significance value of 0,039< 0.05. Simultaneously, financial literacy and self-control had a significant effect on students’ consumptive behavior with an Fcount value of 60.486 > Ftable 3.06 and a significance value of 0.000< 0.05. The coefficient of determination (R²) showed that financial literacy and self-control contributed 64.4% to students’ consumptive behavior, while the remaining 35.6% was influenced by other variables outside this study. Based on the results of this study, it can be concluded that financial literacy and self-control have a negative and significant effect on the consumptive behavior of class XI students at SMA Negeri 20 Medan.
Keywords: Financial Literacy, Self-Control, Consumptive Behavior.
Abstrak: Penelitian ini dilatarbelakangi oleh tingginya perilaku konsumtif siswa kelas XI SMA Negeri 20 Medan yang ditandai dengan kebiasaan membeli barang berdasarkan keinginan, mengikuti tren, serta kurang mampu membedakan kebutuhan dan keinginan. Tujuan penelitian ini adalah untuk mengetahui pengaruh literasi keuangan dan kontrol diri terhadap perilaku konsumtif siswa pada kelas XI SMA Negeri 20 Medan. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian ex-post facto. Populasi dalam penelitian ini berjumlah 155 siswa kelas XI SMA Negeri 20 Medan. Teknik pengambilan sampel menggunakan total sampling sehingga seluruh populasi dijadikan sampel penelitian. Teknik pengumpulan data dilakukan melalui observasi, dokumentasi, dan angket dengan skala Likert. Teknik analisis data yang digunakan adalah regresi linear berganda.Hasil penelitian menunjukkan persamaan regresi yaitu: Y = 40,433 – 0,053X1 – 0,037X2. Berdasarkan uji hipotesis secara parsial menunjukkan bahwa literasi keuangan (X1) berpengaruh negatif dan signifikan terhadap perilaku konsumtif siswa (Y) dengan nilai thitung sebesar 2,486 > ttabel 1,655 dan nilai signifikansi 0,014 < 0,05. Kontrol diri (X2) juga berpengaruh negatif dan signifikan terhadap perilaku konsumtif siswa (Y) dengan nilai thitung sebesar 2,085 > ttabel 1,655 dan nilai signifikansi 0,039 < 0,05. Secara simultan, literasi keuangan dan kontrol diri berpengaruh signifikan terhadap perilaku konsumtif siswa dengan nilai Fhitung 60,486 > Ftabel 3,06 dan signifikansi 0,000 < 0,05. Hasil koefisien determinasi (R²) menunjukkan bahwa literasi keuangan dan kontrol diri memberikan pengaruh sebesar 64,4% terhadap perilaku konsumtif siswa, sedangkan sisanya 35,6% dipengaruhi oleh variabel lain di luar penelitian. Berdasarkan hasil penelitian dapat disimpulkan bahwa literasi keuangan dan kontrol diri berpengaruh negatif dan signifikan terhadap perilaku konsumtif siswa pada kelas XI SMA Negeri 20 Medan.
Kata Kunci: Literasi Keuangan, Kontrol Diri, Perilaku Konsumtif.