DILEMA FINANSIAL MAHASISWI PERANTAU: PERAN KONTROL DIRI TERHADAP PERILAKU BERHUTANG
Keywords:
mahasiswi, merantau, kontrol diri, perilaku berhutang, finansial
Abstract
Pendidikan tinggi sebagai jenjang pendidikan yang mendukung kehidupan profesionalitas serta kesejahteraan membuat individu memutuskan untuk menjadi mahasiswi yang merantau dengan konsekuensi dapat mengatur kehidupan khususnya masalah keuangan dengan baik. Penelitian ini bertujuan menguji pengaruh kontrol diri terhadap perilaku berhutang pada mahasiswi yang merantau. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik penentuan sampel melalui purposive sampling, perilaku berhutang diukur berdasarkan skala debt behavior dan kontrol diri diukur menggunakan disposisional self control sedangkan data dalam penelitian ini dianalisa menggunakan analisis regresi linier sederhana. Hasilnya menunjukkan bahwa kontrol diri berpengaruh signifikan terhadap perilaku berhutang. Dengan demikian, kemampuan individu dalam mengendalikan dirinya dalam konteks finansial dapat menurunkan kecenderungan individu dalam berhutang.
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References
Al Maruf, A., Kowsar, M. M., Mohiuddin, M., & Mohant, H. A. (2024). Behavioral factors in loan default prediction: A literature review on psychological and socioeconomic risk indicators. American Journal of Advanced Technology and Engineering Solutions, 6(1), 43–70. https://doi.org/10.61345/bwtbes29
Alhan, Z. M. (2020). Hubungan kontrol diri dengan perilaku berhutang pada Aparatur Sipil Negara (ASN) Pekanbaru [Skripsi, Universitas Islam Riau]. Universitas Islam Riau Repository. https://repository.uir.ac.id/17006/1/168110124.pdf
Ali, S. A., Aslam, S., Majeed, M. U., & Usman, H. (2024). The interplay of mental budgeting, self-control, and financial behavior: Implications for individual financial well-being. Pakistan Journal of Humanities and Social Sciences, 12(2), 1038–1049. https://doi.org/10.52131/pjhss.2024.1202.2102
Almenberg, J., Lusardi, A., Säve-Söderbergh, J., & Vestman, R. (2018). Attitudes toward debt and debt behavior. NBER Working Paper No. 24935. National Bureau of Economic Research. https://doi.org/10.3386/w24935
Awaluddin, L. (2021, 31 Januari). Terlilit utang, mahasiswi ini pura-pura diculik dan minta Rp 60 juta. detikNews. https://news.detik.com/berita-jawa-barat/d-5355365/terlilit-utang-mahasiswi-ini-pura-pura-diculik-dan-minta-rp-60-juta
Baumeister, R. F. (2002). Yielding to Temptation: Self‐Control Failure, Impulsive Purchasing, and Consumer Behavior. Journal of Consumer Research, 28(4), 670–676. doi:10.1086/338209
Beale, E. M., & Cude, B. J. (2023). College students’ attitudes toward debt. International Journal of Undergraduate Research and Creative Activities, 9(1), Article 5. https://doi.org/10.7710/2168-0620.1099
Brougham, R. R., Jacobs-Lawson, J. M., Hershey, D. A., & Trujillo, K. M. (2011). Who pays your debt? An important question for understanding compulsive buying among American college students. International Journal of Consumer Studies, 35(1), 79–85. https://doi.org/10.1111/j.1470-6431.2010.00923.x
Bu, D., Hanspal, T., Liao, Y., & Liu, Y. (2022). Cultivating self-control in FinTech: Evidence from a field experiment on online consumer borrowing. Journal of Financial and Quantitative Analysis, 57(6), 2208-2250.
Ein-Gar, D., & Sagiv, L. (2014). Overriding “doing wrong” and “not doing right”: Validation of the Dispositional Self-Control Scale (DSC). Journal of Personality Assessment, 96(6), 640–653. https://doi.org/10.1080/00223891.2014.889024
Fernández-López, S., Castro-González, S., Rey-Ares, L., & Rodeiro-Pazos, D. (2024). Self-control and debt decisions relationship: evidence for different credit options. Current Psychology, 43(1), 340-357.
Firdaus, M. F., Himawati, D., & Arianty, M. (2022). Kontrol Diri pada Mahasiswa selama Pembelajaran Jarak Jauh. HUMANIS: Jurnal Ilmu-Ilmu Sosial dan Humaniora, 14(1), 40-45.
Galariotis, E., & Monne, J. (2023). Basic debt literacy and debt behavior. International Review of Financial Analysis, 88, 102673.
Gathergood, J. (2012). Self-control, financial literacy and consumer over-indebtedness. Journal of economic psychology, 33(3), 590-602.
Geriadi, M. A. D., & Dwijayanthi, A. I. A. O. (2024). Understanding Financial Behavior Among Students: A Literature Review on the Risks of Falling into Online Loan Debt. JUSTBEST Journal of Sustainable Business and Management, 4(2), 53-63.
Geridath, M. A. D., & Dwijayantih, A. A. I. A. O. (2024). Understanding financial behavior among students: A literature review on the risks of falling into online loan debt. Journal of Sustainable Business and Management, 4(2), 53–63. https://doi.org/10.52432/justbamd.4.2.53.63
Gul, F., & Pesendorfer, W. (2004). Self-control and the theory of consumption. Econometrica, 72(1), 119–158. https://doi.org/10.1111/j.0012-9682.2004.00486.x
Jannah, A. I., Amalia, D., Marischa, N. N., Azyan, N. I., Afriyanti, N. A., Ningati, R. S., & Rozak, R. W. (2024). Analisis money management terhadap kondisi keuangan mahasiswa rantau. Madani: Jurnal Ilmiah Multidisiplin, 2(3), 215. https://doi.org/10.5281/zenodo.11098569
Karima, M. W. (2024). Hubungan kontrol diri dan konformitas teman sebaya dengan perilaku berhutang pada mahasiswa pengguna Shopee Paylater (Doctoral dissertation, UIN Raden Intan Lampung).
Katona, G. (1951). Psychological analysis of economic behaviour (1st ed.). USA: McGraw-Hill Company, Inc.
Komarudin, H. (2024, 25 Juni). Merantau untuk kuliah: Tantangan dan tips mengelola keuangan bagi mahasiswa baru. Distrik Banten News. https://distrikbantennews.com/2024/06/25/pengelolaan-keuangan-bagi-mahasiswa-yang-merantau-untuk-kuliah
Maruf, A. A., Kowsar, M. M., Mohiuddin, M., & Mohant, H. A. (2024). Behavioral factors in loan default prediction: A literature review on psychological and socioeconomic risk indicators. American Journal of Advanced Technology and Engineering Solutions, 6(1), 43–70. https://doi.org/10.61345/bwtbes29
Mauludin, M., Okianna, O., & Syahrudin, H. (2021). Analisis perubahan perilaku konsumtif pada mahasiswa perantau (studi kasus mahasiswa pendidikan ekonomi FKIP UNTAN). Jurnal Pendidikan dan Pembelajaran Khatulistiwa (JPPK), 10(3), 1641-1648.
Maxentia, C., & Habiburahman, H. (2025). Pengaruh Sikap Terhadap Uang Dan Kontrol Diri Terhadap Perilaku ManajemenKeuangan Mahasiwi Rantau Kost Putri Griya Hijau. Jurnal Ekuilnomi, 7(1), 101-111.
Muhamad, N. (2023, 5 September). Kelompok pelajar dan pekerja muda punya utang pinjol terbanyak pada Juli 2023. Databoks Katadata. https://databoks.katadata.co.id/keuangan/statistik/7529a95109a0ad4/kelompok-pelajar-dan-pekerja-muda-punya-utang-pinjol-terbanyak-pada-juli-2023
Nurgrahanti, V. W., Rito, M. R., Restu’t, M. D., & Halimatussuro, M. A. I. (2024). The usage of Paylater among college students: The role of self-control, hedonistic conformity, and family financial education. Jurnal Manajemen Bisnis, 15(2), 367–386.
Nurmalina, N., & Sulastri, S. (2019). Hubungan Antara Self Control Dengan Perilaku Berhutang Pada Mahasiswa Fakultas X Universitas Muhammadiyah Lampung. ANFUSINA: Journal of Psychology, 2(1), 31-40.
Pakpahan, H. R., & Situmorang, L. (2024). Faktor-Faktor Yang Mempengaruhi Gaya Hidup Konsumtif Di Kalangan Mahasiswi Perantauan Program Studi Pembangunan Sosial Fisip Universitas Mulawarman, Di Samarinda. eJournal pembangunan sosial, 2024, 12 (3): 247-256
Peetz, J., & Davydenko, M. (2021). Financial self-control strategy use: Generating personal strategies reduces spending more than learning expert strategies. Journal of Experimental Social Psychology, 97, 104189.
Pratama, A. P., & Hartik, A. (2025, April 16). Kisah mahasiswi perantau di Surabaya terjerat pinjol akibat keputusan. Kompas.com. https://surabaya.kompas.com/read/2025/04/16/165028578/kisah-mahasiswi-perantau-di-surabaya-terjerat-pinjol-akibat-keputusan?page=all
Rachmawati, A. N. (2025, 6 Agustus). Kepincut gaya-gayaan, mahasiswi utang Rp7 juta 2 iPhone sewaan, menghilang saat ditagih. TribunJatim.com. https://jatim.tribunnews.com/2025/08/06/kepincut-gaya-gayaan-mahasiswi-utang-rp7-juta-2-iphone-sewaan-menghilang-saat-ditagih
Sari, H. W. (2024). Hubungan antara kontrol diri dan perilaku konsumtif dengan minat terhadap pinjaman online pada mahasiswa di Semarang (Skripsi, Universitas Islam Sultan Agung, Semarang). Universitas Islam Sultan Agung. https://repository.unissula.ac.id/34336/1/Psikologi_30702000242_fullpdf.pdf
Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/j.jbef.2017.04.002
Tangney, J. P., Baumeister, R. F., & Boone, A. L. (2004). High self-control predicts good adjustment, less pathology, better grades, and interpersonal success. Journal of Personality, 72(2), 271–324. https://doi.org/10.1111/j.0022-3506.2004.00263.x
Tangney, J. P., Boone, A. L., & Baumeister, R. F. (2018). High self-control predicts good adjustment, less pathology, better grades, and interpersonal success. In Self-regulation and self-control (pp. 173-212). Routledge.
Udiarti, L., Hamiyati, H., & Zulfa, V. (2022). Analisis Kontrol Diri Terhadap Perilaku Berutang Pada Ibu Rumah Tangga. JKKP (Jurnal Kesejahteraan Keluarga Dan Pendidikan), 9(01), 55-67.
Vuković, M., & Pivac, S. (2021). Does financial behavior mediate the relationship between self-control and financial security?. Croatian Operational Research Review, 27-36.
Wibowo, K. P. (2016). Hubungan compulsive buying dengan perilaku berhutang (Dissaving). (Skripsi). Universitas Muhammadiyah Malang.
Yulianti, C. (2023, 26 Juni). 10 hal yang harus dipersiapkan mahasiswa rantau sebelum masuk kuliah. detikEdu. https://www.detik.com/edu/perguruan-tinggi/d-6792825/10-hal-yang-harus-dipersiapkan-mahasiswa-rantau-sebelum-masuk-kuliah
Alhan, Z. M. (2020). Hubungan kontrol diri dengan perilaku berhutang pada Aparatur Sipil Negara (ASN) Pekanbaru [Skripsi, Universitas Islam Riau]. Universitas Islam Riau Repository. https://repository.uir.ac.id/17006/1/168110124.pdf
Ali, S. A., Aslam, S., Majeed, M. U., & Usman, H. (2024). The interplay of mental budgeting, self-control, and financial behavior: Implications for individual financial well-being. Pakistan Journal of Humanities and Social Sciences, 12(2), 1038–1049. https://doi.org/10.52131/pjhss.2024.1202.2102
Almenberg, J., Lusardi, A., Säve-Söderbergh, J., & Vestman, R. (2018). Attitudes toward debt and debt behavior. NBER Working Paper No. 24935. National Bureau of Economic Research. https://doi.org/10.3386/w24935
Awaluddin, L. (2021, 31 Januari). Terlilit utang, mahasiswi ini pura-pura diculik dan minta Rp 60 juta. detikNews. https://news.detik.com/berita-jawa-barat/d-5355365/terlilit-utang-mahasiswi-ini-pura-pura-diculik-dan-minta-rp-60-juta
Baumeister, R. F. (2002). Yielding to Temptation: Self‐Control Failure, Impulsive Purchasing, and Consumer Behavior. Journal of Consumer Research, 28(4), 670–676. doi:10.1086/338209
Beale, E. M., & Cude, B. J. (2023). College students’ attitudes toward debt. International Journal of Undergraduate Research and Creative Activities, 9(1), Article 5. https://doi.org/10.7710/2168-0620.1099
Brougham, R. R., Jacobs-Lawson, J. M., Hershey, D. A., & Trujillo, K. M. (2011). Who pays your debt? An important question for understanding compulsive buying among American college students. International Journal of Consumer Studies, 35(1), 79–85. https://doi.org/10.1111/j.1470-6431.2010.00923.x
Bu, D., Hanspal, T., Liao, Y., & Liu, Y. (2022). Cultivating self-control in FinTech: Evidence from a field experiment on online consumer borrowing. Journal of Financial and Quantitative Analysis, 57(6), 2208-2250.
Ein-Gar, D., & Sagiv, L. (2014). Overriding “doing wrong” and “not doing right”: Validation of the Dispositional Self-Control Scale (DSC). Journal of Personality Assessment, 96(6), 640–653. https://doi.org/10.1080/00223891.2014.889024
Fernández-López, S., Castro-González, S., Rey-Ares, L., & Rodeiro-Pazos, D. (2024). Self-control and debt decisions relationship: evidence for different credit options. Current Psychology, 43(1), 340-357.
Firdaus, M. F., Himawati, D., & Arianty, M. (2022). Kontrol Diri pada Mahasiswa selama Pembelajaran Jarak Jauh. HUMANIS: Jurnal Ilmu-Ilmu Sosial dan Humaniora, 14(1), 40-45.
Galariotis, E., & Monne, J. (2023). Basic debt literacy and debt behavior. International Review of Financial Analysis, 88, 102673.
Gathergood, J. (2012). Self-control, financial literacy and consumer over-indebtedness. Journal of economic psychology, 33(3), 590-602.
Geriadi, M. A. D., & Dwijayanthi, A. I. A. O. (2024). Understanding Financial Behavior Among Students: A Literature Review on the Risks of Falling into Online Loan Debt. JUSTBEST Journal of Sustainable Business and Management, 4(2), 53-63.
Geridath, M. A. D., & Dwijayantih, A. A. I. A. O. (2024). Understanding financial behavior among students: A literature review on the risks of falling into online loan debt. Journal of Sustainable Business and Management, 4(2), 53–63. https://doi.org/10.52432/justbamd.4.2.53.63
Gul, F., & Pesendorfer, W. (2004). Self-control and the theory of consumption. Econometrica, 72(1), 119–158. https://doi.org/10.1111/j.0012-9682.2004.00486.x
Jannah, A. I., Amalia, D., Marischa, N. N., Azyan, N. I., Afriyanti, N. A., Ningati, R. S., & Rozak, R. W. (2024). Analisis money management terhadap kondisi keuangan mahasiswa rantau. Madani: Jurnal Ilmiah Multidisiplin, 2(3), 215. https://doi.org/10.5281/zenodo.11098569
Karima, M. W. (2024). Hubungan kontrol diri dan konformitas teman sebaya dengan perilaku berhutang pada mahasiswa pengguna Shopee Paylater (Doctoral dissertation, UIN Raden Intan Lampung).
Katona, G. (1951). Psychological analysis of economic behaviour (1st ed.). USA: McGraw-Hill Company, Inc.
Komarudin, H. (2024, 25 Juni). Merantau untuk kuliah: Tantangan dan tips mengelola keuangan bagi mahasiswa baru. Distrik Banten News. https://distrikbantennews.com/2024/06/25/pengelolaan-keuangan-bagi-mahasiswa-yang-merantau-untuk-kuliah
Maruf, A. A., Kowsar, M. M., Mohiuddin, M., & Mohant, H. A. (2024). Behavioral factors in loan default prediction: A literature review on psychological and socioeconomic risk indicators. American Journal of Advanced Technology and Engineering Solutions, 6(1), 43–70. https://doi.org/10.61345/bwtbes29
Mauludin, M., Okianna, O., & Syahrudin, H. (2021). Analisis perubahan perilaku konsumtif pada mahasiswa perantau (studi kasus mahasiswa pendidikan ekonomi FKIP UNTAN). Jurnal Pendidikan dan Pembelajaran Khatulistiwa (JPPK), 10(3), 1641-1648.
Maxentia, C., & Habiburahman, H. (2025). Pengaruh Sikap Terhadap Uang Dan Kontrol Diri Terhadap Perilaku ManajemenKeuangan Mahasiwi Rantau Kost Putri Griya Hijau. Jurnal Ekuilnomi, 7(1), 101-111.
Muhamad, N. (2023, 5 September). Kelompok pelajar dan pekerja muda punya utang pinjol terbanyak pada Juli 2023. Databoks Katadata. https://databoks.katadata.co.id/keuangan/statistik/7529a95109a0ad4/kelompok-pelajar-dan-pekerja-muda-punya-utang-pinjol-terbanyak-pada-juli-2023
Nurgrahanti, V. W., Rito, M. R., Restu’t, M. D., & Halimatussuro, M. A. I. (2024). The usage of Paylater among college students: The role of self-control, hedonistic conformity, and family financial education. Jurnal Manajemen Bisnis, 15(2), 367–386.
Nurmalina, N., & Sulastri, S. (2019). Hubungan Antara Self Control Dengan Perilaku Berhutang Pada Mahasiswa Fakultas X Universitas Muhammadiyah Lampung. ANFUSINA: Journal of Psychology, 2(1), 31-40.
Pakpahan, H. R., & Situmorang, L. (2024). Faktor-Faktor Yang Mempengaruhi Gaya Hidup Konsumtif Di Kalangan Mahasiswi Perantauan Program Studi Pembangunan Sosial Fisip Universitas Mulawarman, Di Samarinda. eJournal pembangunan sosial, 2024, 12 (3): 247-256
Peetz, J., & Davydenko, M. (2021). Financial self-control strategy use: Generating personal strategies reduces spending more than learning expert strategies. Journal of Experimental Social Psychology, 97, 104189.
Pratama, A. P., & Hartik, A. (2025, April 16). Kisah mahasiswi perantau di Surabaya terjerat pinjol akibat keputusan. Kompas.com. https://surabaya.kompas.com/read/2025/04/16/165028578/kisah-mahasiswi-perantau-di-surabaya-terjerat-pinjol-akibat-keputusan?page=all
Rachmawati, A. N. (2025, 6 Agustus). Kepincut gaya-gayaan, mahasiswi utang Rp7 juta 2 iPhone sewaan, menghilang saat ditagih. TribunJatim.com. https://jatim.tribunnews.com/2025/08/06/kepincut-gaya-gayaan-mahasiswi-utang-rp7-juta-2-iphone-sewaan-menghilang-saat-ditagih
Sari, H. W. (2024). Hubungan antara kontrol diri dan perilaku konsumtif dengan minat terhadap pinjaman online pada mahasiswa di Semarang (Skripsi, Universitas Islam Sultan Agung, Semarang). Universitas Islam Sultan Agung. https://repository.unissula.ac.id/34336/1/Psikologi_30702000242_fullpdf.pdf
Strömbäck, C., Lind, T., Skagerlund, K., Västfjäll, D., & Tinghög, G. (2017). Does self-control predict financial behavior and financial well-being? Journal of Behavioral and Experimental Finance, 14, 30–38. https://doi.org/10.1016/j.jbef.2017.04.002
Tangney, J. P., Baumeister, R. F., & Boone, A. L. (2004). High self-control predicts good adjustment, less pathology, better grades, and interpersonal success. Journal of Personality, 72(2), 271–324. https://doi.org/10.1111/j.0022-3506.2004.00263.x
Tangney, J. P., Boone, A. L., & Baumeister, R. F. (2018). High self-control predicts good adjustment, less pathology, better grades, and interpersonal success. In Self-regulation and self-control (pp. 173-212). Routledge.
Udiarti, L., Hamiyati, H., & Zulfa, V. (2022). Analisis Kontrol Diri Terhadap Perilaku Berutang Pada Ibu Rumah Tangga. JKKP (Jurnal Kesejahteraan Keluarga Dan Pendidikan), 9(01), 55-67.
Vuković, M., & Pivac, S. (2021). Does financial behavior mediate the relationship between self-control and financial security?. Croatian Operational Research Review, 27-36.
Wibowo, K. P. (2016). Hubungan compulsive buying dengan perilaku berhutang (Dissaving). (Skripsi). Universitas Muhammadiyah Malang.
Yulianti, C. (2023, 26 Juni). 10 hal yang harus dipersiapkan mahasiswa rantau sebelum masuk kuliah. detikEdu. https://www.detik.com/edu/perguruan-tinggi/d-6792825/10-hal-yang-harus-dipersiapkan-mahasiswa-rantau-sebelum-masuk-kuliah
Published
2026-01-26
How to Cite
Firdaus, M., Kardila Meliani, N., Regina Salve, H., & Habibah, S. (2026). DILEMA FINANSIAL MAHASISWI PERANTAU: PERAN KONTROL DIRI TERHADAP PERILAKU BERHUTANG. HUMANIS: Jurnal Ilmu-Ilmu Sosial Dan Humaniora, 18(1), 52-62. https://doi.org/https://doi.org/10.52166/humanis.v18i1.11293
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Articles
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