Consumptive behavior is an action that shows excessive purchases of goods to fulfill temporary desires, even though the goods are not needed. This study aims to analyze the influence of each independent variable, namely Financial Literacy, Self Control and Financial Attitudes on Student Consumptive Behavior partially or simultaneously. The type of research used is quantitative. Data were obtained through questionnaires distributed online to Muhammadiyah University of Ponorogo students who use the Shopee PayLater service. The data analysis method uses multiple linear regression with the help of SPSS software version 29. The results of the study indicate that partially, the Financial Literacy variable has a significant positive effect on the Consumptive Behavior of Students who use Shopee PayLater. Self Control partially shows results that have no effect on the Consumptive Behavior of Students who use Shopee PayLater, while Financial Attitudes have a significant negative effect on the Consumptive Behavior of Students who use Shopee PayLater. However, simultaneously the three variables have a significant effect on the Consumptive Behavior of Students who use Shopee PayLater.

Keywords: Financial Literacy, Self Control, Financial Attitudes, Consumptive Behavior, Shopee PayLater.