THE EFFECT OF ECONOMIC LITERATURE, EDUCATION, AND FAMILY ENVIRONMENT ON STUDENTS' CONSUMPTION PATTERNS

This study aims to describe the effect of economic literacy, education


INTRODUCTION
Economics is an important factor in an individual's life to allocate limited resources so it can be determined that the daily life of the community is related to economic needs (Yushita, 2017).In urban economics in particular, this increasing interest stems mainly from the fact that QoL affects urban competitiveness and urban growth (Lambiri, Biagi, & Royuela, 2007).The fundamental center of attention of the economic concept is how to allocate limited Tri Mega Nur Utami, Kusuma Chandra Kirana and Jajuk Herawati The effect of economic literature, education, and family environment on students consumption patterns 499 resources to achieve a diverse goal may be infinite in number, while the economic consideration itself is based on the ability of the budget and management (Arifin, 2013).
According to (Solihat & Arnasik, 2018) Consumption activities are activities aimed at reducing the useful value of a goods or services to meet demand (Kasdi, 2013).This is how man meets his daily needs directly.Everyone and the whole society have a certain tendency to consume.Consumption trends are called consumption patterns.The consumption pattern of each person must be different because of several factors that cause it (Hadayanti, Deliana, & Natawidjaja, 2016).
According to (Nuriyanto et al., 2019) the main factors that affect consumption patterns include: (1) Income (2) Number of Family Members (3) Education Investment.According to (Sina, 2012) economic literacy is a tool to change behavior from nonintelligence to intelligence.Like how to use income to maintain a livelihood.In addition to hard work, individuals also need to understand the correct conditions for everyday economic decision making.According to (Nurjanah, 2019) many factors influence economic literacy, but in his research focused on (1) Needs ( 2) Scarcity (3) Economic Motives (4) Economic Principles (5) Economic Activity.
According to (Trisnawati & Sugito, 2020) education in the family environment makes parents as the main educators of their children and becomes one of the informal educational processes.Each family has a different strategy, so each keuarga has a process that produces different outputs (Puspitawati, 2012).Lack of family knowledge and understanding causes the child's sense of responsibility for education to decrease.According to (Adawiah, 2017)  According to (Yusuf, Natsir, & Kornelius, 2017) the family is the smallest community consisting of father, mother, child, and other family members.The family is the focus of the child's growth and development, which initially has an impact on the formation of personality.From his family, slowly someone will form the concept of himself (Erni, 2017).
Based (Slameto, 2003) indicators of the family environment namely (1) How parents educate their children (2) Huungan between family members (3) Family atmosphere (4) The economic situation of the family (5) Get to know your parents (6) Cultural background.Based on the above phenomenon, this study aims to discuss the influence of economic literacy, education, and family environment on consumption patterns in students of the Faculty of Economics, Sarjanawiyata Tamansiswa University.

RESEARCH METHODS
In this study, using a quantitative descriptive method.Online questionnaire survey and the sampling technique used is probability sampling used to collect data.The data analysis technique used is multiple linear regression analysis.Research resource persons are students of the Faculty of Economics, University of Sarjanawiyata Tamansiswa.The sampling technique used probability sampling, which amounted to 100 samples.The data used are quantitative data using a questionnaire.The measurement scale uses a Likert scale.
The results of this study are in line with Dias Kanserina's research which uses a quantitative descriptive method which states that there is a positive influence on economic literacy.Research conducted by (Eka Vidiawan) that there is a positive and significant influence between education on consumption patterns.Nurita's opinion (Nurita Dewi, 2017) which states that there is a positive and significant influence between the family environment on consumption patterns.http://eduvest.greenvest.co.id

The Effect of Economic Literacy on Consumption Patterns
SPSs Test result t states that the test result t if thitungeffectiveness or probabilitygotilitygotgot magnitude 0.05 then Ho is accepted and if thitungilityilitygot or probabiitasility depends on ho rejected.Thus the result of the significant value of economic literacy influence on consumption patterns is 0.333 factor 0.05 and niai t count 0.074sympathetic 1.986.Thus it can be conced that Ho is "accepted" and H1 is "rejected" which means there is no influence between variable X1 against variable Y.

The Effect of Education on Consumption Patterns
Based on the test result t if thitungilityility parity or probabilityilityilitygotgot * 0.05 then Ho is accepted and if thitungilityilitygot or probabiitasilityrully 0.05 then Ho is rejected.Based on table 2, the results showed that the significant value of educational influence (X2) on consumption patterns (Y) was 0.017mistreat 0.05 and niai t counted 2,419 factor factor 1,986.Thus it can be con wherever H0 is rejected and H1 is "accepted" which means there is an influence between variable X2 and variable Y.

Influence of Family Environment on Consumption Patterns
Based on the test result t if thitungilityility parity or probabilityilityilitygotgot * 0.05 then Ho is accepted and if thitungilityilitygot or probabiitasilityrully 0.05 then Ho is rejected.Based on table 2, the results showed that the significant value of family environment influence (X3) on consumption pattern (Y) was 0.000mistreat 0.05 and niai t counted 4.621 factor factor 1.986.Thus it can be con wherever H0 is 'rejected' and H1 is "accepted" which means there is an influence between variable X3 and variable Y. Based on the data above known double linear regression value Y = a + bx ie Y = 5.185+ 0.185 + 0.094 + 0.250 + 0.400 + μ.The regression equation model may explain that if independent variables (economic literacy) increase by 1 eve, then it will then fall by 0.094.Furthermore, if the education variable increases by 1 level, it will be followed by a decrease of 0.250, while the family environment-free variable increases by 1 level then it will decrease by 0.400.
The feasibility test of this study uses classic hypothetical test which is normality test, multicolonierity test and heteroskedastisity test.
1) Normality Test It is known that the significance value of Asiymp Sig (2-tailed) is 0.153mitd00000.Thus the decision in kolmogrov-smirnov normality test above can be used to conclude that the data is normal.The ability of normality requirements in the regression model has been met.http://eduvest.greenvest.co.idKnown toeranceility value factor 0, 10 and VIFility summed up the multicolonierity.

Figure 1 Heteroskedastisity Test Results
From the picture above scatterplot chart above known points spread randomly above and below the Y axis.

B. Discussion
Based on the results of the study, it is known that economic literacy variables have a positive but insignificant effect on the consumption patterns of students of the Faculty of Economics.Based on the form of multiple linear regression equations Y= a + bx ie Y= 5.185+ 0.185 + 0.094 + 0.250 + 0.400 + μ.It can be explained if the variable economic literacy increases by 1 level will be followed by a decrease of 0.094.In addition, when viewed from the results of the calculation of t test shows that the significant value of economic literacy influence on consumption patterns is 0.333 literacy factor * 0.05 and niai t count 0.074mistreat 1.986.Thus it can be conced that Ho is "accepted" and H1 is "rejected" which means there is no influence between variable X1 and variable Y.
Education has a positive and significant effect on the consumption patterns of students of the Faculty of Economics, Sarjanawiyata Tamansiswa University.
Based on table 5 can be known form of multiple linear regression equation Y= a + bx ie Y = 5.185+ 0.185 + 0.094 + 0.250 + 0.400 + μ.The multiple linear regression equation model can explain that, if the free variable is education increases by 1 level will be followed by a decrease of 0.250.In addition, when viewed from the calculation of t test shows that the significant value of education influence on consumption patterns is 0.017mistreat 0.05 and niai t count 2.419 diploma 1.986.Thus it can be con wherever H0 is rejected and H1 is "accepted" which means there is an influence between variable X2 and variable Y.
Family Environment has a positive and significant influence on the consumption The effect of economic literature, education, and family environment on students consumption patterns 503 patterns of students of the Faculty of Economics.It can be known the form of the equation is Y = a + bx ie Y = 5,185 + 0.185 + 0.094 + 0.250 + 0.400 + μ.From the equation, it is explained that if the free variable is a family environment, a 1-level increase will be followed by a decrease in consumption pattern of 0.400 levels.In addition, when viewed from the calculation of t test in table 3 shows that the significant value of family environment influence (X3) on consumption pattern (Y) is 0.000mistreat 0.05 and niai t count 4.621 factor factor 1.986.Thus it can be con wherever H0 is 'rejected' and H1 is "accepted" which means there is an influence between variable X3 and variable Y.

CONCLUSION
The results of this study can be concluded as follows; (1) Economic literacy has a positive but not significant effect on student consumption patterns.(2) Education has a positive and significant effect on student consumption patterns.(3) Family environment has a positive and significant effect on students' consumption patterns.Based on the calculation results of the simultaneous significance test, the f test explains that economic literacy (X1), Education (X2), Family Environment (X3) simultaneously affect consumption patterns (Y).
factors that affect children's education are (1) Family Socioeconomic.(2) Parental Level of Education.(3) The Number of Children.

Table 1
Test Results t Effect of Economic Literacy on Consumption Patterns

Table 2
Test Result Effect of Education on Consumption Patterns

Table 3
Result of Test t Effect of Family Environment on Consumption Patterns The effect of economic literature, education, and family environment on students consumption patterns 501

Table 4 F
Test Results Effect of Economic Literacy, Education and Family Environment on Consumption Patterns ANOVA

Table 5
Normality Test