Financial Literacy Factors in Purchasing Products on the TikTok Shop Feature (A Study of TikTok Shop Customers Among Students of Unsika and UBP Karawang)
Keywords:
Tiktok shop, Financial Literacy, Product Purchase
Abstract
Technological developments have changed people's lifestyles and lifestyles and created new cultures. It is clear that local culture is being replaced by a new culture that prioritizes accessibility and time efficiency. One of the new cultures that has emerged is the Tiktok Shop. Having a Tiktok shop or online shop makes students more active in online shopping. The aim of this research is to determine the financial literacy factors of Tiktok shop features in purchasing products (Survey of Tiktok shop customers among Unsika and UBP Karawang students. are budget understanding, knowledge of products and prices, payment methods, ability to save and invest, awareness of promotions and discounts, as well as self-control and consumption behavior are the most important factors that influence purchasing decisions his wish was fulfilled
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Dilasari. (2020). The Influence of Financial Literacy, Financial Behavior, Financial Attitude, Lifestyle, Locus of Control, and Demographics on Consumptive Behavior. Prisma (Accounting Student Research Platform), 1(4), 74–87.
Djoni, K., & Rahardjo, D. (2021) Analysis of Financial Literacy, Income and Premium on Millennials' Purchase Intention of Life Insurance Product. Budapest International Research and Critics Institute Journal, 4(4), 11523-11535.
Gunawan, A., & Carissa, AF (2021). The Effect of Financial Literature and Self Control on Consumption Behavior (Study on Students of the Faculty of Economics and Business, Muhammadiyah University, North Sumatra). International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS), 1(1), 79–86.
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296-316.
Lusardi, A. (2019). Financial Literacy and the Need for Financial Education: Evidence and Implications. Swiss Journal of Economics and Statistics, 155(1), 1-8.
Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5-44.
Mitra, N., Syahniar, S., & Alizamar, A. (2019). Consumptive Behavior of Students
Rachmawati, LA (2019). Analysis of the Influence of E-commerce on Student Consumptive Behavior (Case Study of Students in the Management Study Program at Tidar University). Online Journal of Management Students, 1(1).
Ridhayani, F. & Johan, IR 2020. The Influence of Financial Literacy and Reference Group toward Consumptive Behavior Across Senior High School Students. Journal of Consumer Sciences, 5(1), 29-45.
Sari, DE, Tiara, Narimo, S., & Saputra, RC (2020). The Effect of Financial Literacy and Pocket Money on Consumer Behavior of Universitas Muhammadiyah Surakarta (UMS) Students. International Journal of Scientific and Technological Research, 9(2), 4235–4237.
Online Shopping and Implications in Guidance and Counseling Services in Universities. International Journal of Research in Counseling and Education, 3(2), 120.
Surono, Bahruddin, M., & Habibi, A. (2020). Effectiveness of Financial Literacy Toward Making Decisions of Consumer Behavior. Bulletin of Economic Studies, 25(1), 99–111.
Tokunaga, H. (1993). The Use and Abuse of Consumer Credit: Application of Psychological Theory and Research. Journal of Economic Psychology, 14(2), 285-316.
Wahyuni, R., Irfani, H., Syahrina, IA, & Mariana, R. (2019). The Influence of Lifestyle and Financial Literacy on Online Shopping Consumptive Behavior of Housewives in Lubuk Begalung District, Padang City. Jurnal Benefita, 4(3), 548.
Sugiyono. (2024). Quantitative research methods for economics and business. Alfabeta.
Syahputri, AM, Ika, D., & Suryani, Y. (2025). The influence of liquidity, profitability, leverage, and institutional ownership of companies with dividend policy as a moderator. Journal of Financial Management, 5(1), 125–135.
Syalwa, HS, Indra, D., Koto, P., & Zuhrias, MA (2025). The effect of profitability ratios on company value at PT Bank Raya Indonesia Tbk for the period 2017–2023. Journal of Economics and Banking, 5(1), 206–212.
Yanti, NR, Komalasari, A., & Andi, K. (2022). The effect of profitability, leverage, and capital structure on firm value with dividend policy as
Published
2026-05-10
How to Cite
Intan Nor Azliana, & Nanu Hasanuh. (2026). Financial Literacy Factors in Purchasing Products on the TikTok Shop Feature (A Study of TikTok Shop Customers Among Students of Unsika and UBP Karawang). International Journal of Economics, Business and Innovation Research, 5(03), 1678-1686. https://doi.org/10.63922/ijebir.v5i03.3455
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