The Influence of Lifestyle, Income, and Financial Literacy on Religiosity and Consumptive Behavior Among Generation Z
Keywords:
Lifestyle, Income, Financial Literacy, Religiosity, Consumptive Behavior, Shopee PayLater.Abstract
This study aims to analyze the direct and indirect effects of Lifestyle, Income, and Financial Literacy on Religiosity and Consumptive Behavior of Generation Z Shopee Pay Later users among Muslim students in Makassar City. The research employs a quantitative method with a descriptive approach, utilizing primary data from 120 respondents through a questionnaire. Analysis is conducted using the Structural Equation Model (SEM). The results indicate that Lifestyle and Income have a significant positive effect on Religiosity, while Financial Literacy has a negative but insignificant effect. Lifestyle and Financial Literacy positively influence Consumptive Behavior, whereas Income has a negative effect. Additionally, Religiosity positively affects Consumptive Behavior. The study highlights the importance of wise financial management for Muslim students to become more financially independent and to control their lifestyle in accordance with Sharia principles.
References
Almalia. "Strategi Pendidikan dan Pendapatan dalam Strategi Manajemen Keuangan Keluarga Ditinjau dari Perspektif Islam." Skripsi Program Ekonomi Islam, IAIN Raden Intan Lampung, 2015, hlm. 32.
Ancok, D dan Suroso, F.N. (2015). Psikologi Islami Solusi Islam atas Problem-Problem Psikologi.Yogyakarta: Pustaka Pelajar.
A Rifa‟i, CT Anni. Psikologi Pendidikan. (Semarang: Unnes Press, 2012). hlm.90
Ancok, D dan Suroso, F.N. (2015). Psikologi Islami Solusi Islam atas Problem-Problem Psikologi.Yogyakarta: Pustaka Pelajar.
BPS, Kota Makassar Dalam Angka (Badan Pusat Statistik Kota Makassar, 2024
Claire Beckett et All, Multivariate Data Analysis (MVDA), Pharmaceutical Quality by Design: Approach,
Dewi Aprilia dan Hartoyo. "Analisis Sosiologis Perilaku Konsumtif Mahasiswa (Studi Kasus Pada Mahasiswa FISIP Universitas Lampung)." Vol. 15 No. 1 (2014), hlm.
Edwin Japrianto Christina Irene Felita, ‘Analisa Pengaruh Customer Experience terhadap Customer Loyality dengan Customer Engagement dan Customer Trust Sebagai Variabel Intervening di the Body Shop’, Junal Manajemen Pemasaran Petra, 1.1 (2015), pp. 1–10.
Ghozali.
Imam Ghozali, Structural Equation Modeling Alternatif Dengan Partial Least Square (PLS), 4th edn
J. F. Hair and others, Partial Least Squares Structural Equation Modeling (PLS-SEM) (European Business Review, 2020).
Lina dkk. Perilaku Konsumtif Berdasarkan Locus Of Control Pada Remaja Putri. Psikologika No. 4 Tahun II, hlm
Muhamad Rifki Botutihe and Aldiwanto Landali, ‘Pengaruh Penggunaan Fitur Shopee Pay Terhadap Perilaku Konsumsi Islam’, Jurnal Ilmiah Ekonomi Islam, 9.3 (2023), p. 3898, doi:10.29040/jiei.v9i3.10659.
Misbahuddin dan Hasan Iqbal, Analisis Data Penelitian Dengan Statistik, edisi ke-2, ed. oleh Suryani, edisi ke-2 (Jakarta: Bumi Aksara, 2022).
Novi Irwan Nahar. Penerapan Teori Belajar Behavioristik dalam Proses Pembelajaran. Jurnal Ilmu Pengetahuan Sosial Vol 1 Desember 2016. Hlm 67
Prana Ugiana Gio, Partial Least Square Structural Equation Modeling (PLS-SEM) dengan Software WarpPLS (Ponorogo: Uwais Inspirasi Indonesia, 2022).
Putrayasa Ida Bagus. Landasan Pembelajaran. (Bali : Undiksha Press, 2013). hlm. 46
Sofia Miranda. “Pengaruh Instagram Sebagai Media Online Shopping Fashion Terhadap Perilaku Konsumtif Mahasiswi Fakultas Ilmu Sosial dan Ilmu Politik Universitas Riau,” hlm. 873.
Suryadi, N., Anggraeni, R., Islam, M. F., & Ariyanto, D. (2021). The effect of the COVID-19 pandemic on consumer behaviors: A study on Gen-Z in Indonesia. International Journal of Research in Business and Social Science, 10(8), 313-318.
Suprihhadi, Heru. "Pengaruh Kualitas Layanan Dan Gaya Hidup Terhadap Keputusan Pembelian Cafe Jalan Korea." Ilmu Dan Riset Manajemen, vol. 6, no. 2, 2017.
V Wiratna Sujarweni, Metodologi Penelitian Bisnis Dan Ekonomi (Yogyakarta: Pustaka Baru Press, 2015).
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Sry Wala Resky Resky, Abdul Wahab, Rahmawati Muin
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
By submitting your manuscript to our journal, you are following Copyright and License.
