Electronic Money, Materialism, And Social Media: The Triple Threat Reshaping Student Spending Habits

This study aims to determine the use of shopeepaylater, lifestyle, and financial literacy on the consumptive behavior of students in the Management Study Program, Faculty of Economics and Business, Al-Qur'an University of Science, Class of 2021. The lifestyle of today's students mostly imitates the style of someone seen through social media and always follows the existing trends. Lack of financial literacy can also be one of the causes of students to behave consumptively. For students who use the Shopeepaylater feature, financial literacy is needed because if using Shopeepaylater unwisely can cause students to be trapped in ongoing debt. Interest and additional fees from late payments will increase their financial burden. This study uses a quantitative approach with multiple linear analysis methods. The population in this study were FEB students of Al-Qur'an University of Science, Class of 2021. The research sample used purposive sampling technique with a total of 60 people. The data collection technique used in this study was a questionnaire. The instrument used in this research is a questionnaire. The data analysis technique used in this research is descriptive analysis. The results of this study indicate that use of shopeepaylater, financial literacy and lifestyle variables have a positive affect consumptive behavior.The implications of this study are to emphasize the importance of understanding financial literacy and a good lifestyle as a strategy to direct students in using the shoppepaylater feature wisely so as not to be trapped in consumptive behavior, so that students are more directed and responsible.

This study contributes to the emerging literature on the negative effects over consumption that social media users may develop as a consequence of being engaged on social media platforms. The authors tested materialism’s direct and indirect impacts on compulsive, conspicuous, and impulsive buying, adding two novel mediators: attitudes toward social media content (SCM) and social media intensity (SMI). The study uses a convenience sample of 400 Thai social media users analyzed using structural equation modeling. The results confirmed the well-established positive relationships between materialism and each of the three-negative consumption behaviors also in the social media domain. A novel finding showed the important role played by SMI which was found to be a strong predictor of each of the three negative consumption behaviors and it was also found to significantly mediate the relationship between materialism and the three-negative consumption behaviors. An additional contribution of the study was found on the role of attitudes which, contrary to what is commonly believed, were often not significant in predicting any negative behavior.

Financial literacy is a knowledge that everyone should know and understand, not just to manage income but to manage their finances well. More and more e-commerce that provide various kinds of payment systems, for example paylater, this is also a reason that someone must understand financial literacy. Students are synonymous with life that follows trends and likes to shop online which in turn causes consumptive behavior because they do not know how to manage finances properly. Therefore, financial literacy is essential for students when facing individual or group financial problems, but its implementation in everyday life will be even better. From this background, this research was conducted with the title "The Influence of Financial Literacy and the Paylater Payment System on Consumptive Behavior of Students in Ciamis Regency in the Perspective of Sharia Economics". This study used quantitative research methods and for primary data collection, data collection techniques were carried out by distributing Google form questionnaires and this study also used purposive sampling as a sampling method so that 100 samples were found, namely students in Ciamis Regency with data analysis using multiple linear regression. The purpose of this research is to find out the effect of financial literacy and the paylater payment system on the consumptive behavior of students in Ciamis Regency in the perspective of Islamic Economics. The results of this study show that the results of the T-test variable financial literacy partially have a negative and significant effect on consumptive behavior (Y) of students in Ciamis Regency, the results of tcount -2.236 and ttable 1.984 means that tcount ttable with a significance of 0.028 0.05. The results of the T-test of the paylater payment system partially have a positive and significant effect on student consumptive behavior, the results of tcount 3.116 and ttable 1.984 mean that tcount ttable with a significance of 0.02 0.05. While the F test obtained Fcount of 8,135 and Ftable of 3.09 meaning that Fcount Ftable with a significance of 0.00 0.05 so the variables of financial literacy and the paylater payment system simultaneously have a positive and significant effect on the consumptive behavior of students in Ciamis Regency

Consumptive behavior of the Undergraduate Faculty of economics and business at the University of Warmadewa is certainly influenced by internal and external students condition. Consumptive behavior level can be influenced by many factors. This study aims to determine the effect of Financial Literacy, Electronic Money, Self Control, and Lifestyle on Student Consumptive Behavior of Faculty Economics and Business University of Warmadewa. The object of this research is the Undergraduate Faculty of Economics and Business University of Warmadewa., with a 5394 population. The sample in this study amounted to 98 people determined by the Solvin formula. The analytical method used is descriptive analysis and multiple linear regression. The results of this study showed that, Financial Literacy, Electronic Money, Lifestyle, and Self Control, simultaneously have a significant effect at = 0.05 on Student Consumptive Behavior. Partially, at = 0.05 the variables of Financial Literacy and Electonic Money have a negative and not significant effect on Consumptive Behavior, while the variables of Self Control and Lifestyle have a positive and significant effect on Consumptive Behavior. Partially, financial literacy has a positive and insignificant effect on consumptive behavior in students of the Faculty of Economics and Business, Warmadewa University. Partially, electronic money has a positive and insignificant effect on consumptive behavior in students of the Faculty of Economics and Business, Warmadewa University. Partially, self-control has a positive and significant effect on consumptive behavior in students of the Faculty of Economics and Business, Warmadewa University.

Tobacco consumption among adolescent students in Nepal has grown to an alarming proportion, raising serious concerns about associated factors. The study aimed to describe the tobacco consumption behavior of in-school adolescent students and its associated factors. A cross-sectional survey design was followed to conduct the study. Students of community schools in Class 10 of a municipality in Saptari, Nepal, were the population of the study. All students who were present on the day of data collection participated in the study. Two hundred and twenty-five students participated in the study with a response rate of 95.74%. A validated, self-administered anonymous questionnaire was used to collect data. Frequency, percentage, and binary logistic regression were used to analyze the data. The proportion of students who consumed tobacco was 24% (boy: 18.7%, girl: 5.3%). Sex of students (OR = 5.529, 95% CI 2.375–12.872, P = .000) and tobacco consumption behavior of students’ fathers (OR = 3.358, 95% CI 1.308–8.617, P = .012) were significantly associated with tobacco consumption behavior of adolescent students. I concluded that the sex of students and the tobacco consumption behavior of students’ fathers are the main associated factors of the tobacco consumption behavior of adolescent students. Anti-tobacco policies should be developed and implemented with the coordination of school administration, the school management committee, and the local bodies targeting students, especially boys and students’ fathers.

This research aims To find out the effect of the use of electronic cards on modern retail, the consumptive behavior of students, students of the at Thoir Yasin's Modern Salaf Islamic Boarding School. Partially and simultaneously. The method used is a quantitative method. The study subjects were 61 people. The data collection techniques and instruments used were pe questionnaire , and interviews. The data from this study were tested using the classical assumption test, multiple linear regression t test and f test . The results of the study show: 1) partially the variable use of electronic cards (X1) towards modern retail (Y1), the results of the t count are 3.368 > T table 2.001. So it can be assumed that there is a partial influence of the electronic card variable X1 on Y1 of modern retail. 2) partially the variable use of electronic cards (X1) on consumptive behavior (Y2), the value of t count is 4.726 > T table is 2.001. So it can be said that there is a partial influence of the electronic card variable (X1) on consumer behavior (Y2). 3) Simultaneous use of electronic cards (X1) on modern retail (Y1), consumptive behavior (Y2), calculated F value of 6.072 > F table 3.15. So it can be concluded that there is a simultaneous (together) effect of the X1 electronic card variable on modern retail (Y1), consumptive behavior (Y2) of Islamic students, students of the takmili class at the modern salaf Islamic boarding school thohir yasin lendang jackfruit.

This research aims to find out (1) the influence of life style in moderating financial literacy on students' consumptive behavior perspectives, and (2) the influence of life style on students' consumptive behavior perspectives with self-control. as moderator .This type of research is causal associative research using a quantitative approach. The population of this study was 1,100 students from the Class of 2021 UNY (FEB, FMIPA, and FISHIPOL). Sampling was based on the Taro Yamane formula of 294 students. Sampling uses techniques proportionate random sampling. The data collection method used is a questionnaire method which has been tested for validity and reliability with the help of SPSS Statistics 23 . The data analysis technique uses Moderated regression analysis Regression Analysisist (MRA).The research results prove that (1) life style weakens the influence of financial literacy on student consumptive behavior with a regression coefficient value of 0.023 and a sig value of 0.659 > 0.05. (2) life style weakens the influence of self-control on student consumptive behavior with a regression coefficient value of 0.008 and a sig value of 0.796 > 0.05. Keywords: Financial Literacy, Self Control, Consumptive Behavior, Life Style This research aims to find out (1) the influence of life style in moderating financial literacy on students' consumptive behavior perspectives, and (2) the influence of life style on students' consumptive behavior perspectives with self-control. as moderator .This type of research is causal associative research using a quantitative approach. The population of this study was 1,100 students from the Class of 2021 UNY (FEB, FMIPA, and FISHIPOL). Sampling was based on the Taro Yamane formula of 294 students. Sampling uses techniques proportionate random sampling. The data collection method used is a questionnaire method which has been tested for validity and reliability with the help of SPSS Statistics 23 . The data analysis technique uses Moderated regression analysis Regression Analysisist (MRA).The research results prove that (1) life style weakens the influence of financial literacy on student consumptive behavior with a regression coefficient value of 0.023 and a sig value of 0.659 > 0.05. (2) life style weakens the influence of self-control on student consumptive behavior with a regression coefficient value of 0.008 and a sig value of 0.796 > 0.05.

BackgroundA prior randomized controlled trial of social media exposure at Circulation determined that social media did not increase 30‐day page views. Whether insufficient social media intensity contributed to these results is uncertain.Methods and ResultsOriginal article manuscripts were randomized to social media exposure compared with no social media exposure (control) at Circulation beginning in January 2015. Social media exposure consisted of Facebook and Twitter posts on the journal's accounts. To increase social media intensity, a larger base of followers was built using advertising and organic growth, and posts were presented in triplicate and boosted on Facebook and retweeted on Twitter. The primary outcome was 30‐day page views. Stopping rules were established at the point that 50% of the manuscripts were randomized and had 30‐day follow‐up to compare groups on 30‐day page views. The trial was stopped for futility on September 26, 2015. Overall, 74 manuscripts were randomized to receive social media exposure, and 78 manuscripts were randomized to the control arm. The intervention and control arms were similar based on article type (P=0.85), geographic location of the corresponding author (P=0.33), and whether the manuscript had an editorial (P=0.80). Median number of 30‐day page views was 499.5 in the social media arm and 450.5 in the control arm; there was no evidence of a treatment effect (P=0.38). There were no statistically significant interactions of treatment by manuscript type (P=0.86), by corresponding author (P=0.35), by trimester of publication date (P=0.34), or by editorial status (P=0.79).ConclusionsA more intensive social media strategy did not result in increased 30‐day page views of original research.

This study aims to see how social media affects students' lifestyles. The focus of this research is assessing the consumptive behavior of students with the presence of social media. There are two money variables that will be tested in this article, the independent variable is social media and the dependent variable is student consumptive behavior. This article uses the Pearson correlation method to process correlation data or the relationship between social media and student consumptive behavior. Collecting data using a survey method, namely by distributing questionnaires to 81 respondents. The selected respondents are students. The respondent's questionnaire data was tested for validity to determine the validity of the questionnaire data. The questionnaire data was also tested for reliability to determine its consistency. All respondent data was processed using SPSS version 22. The results of the validity test of all questionnaire data were declared valid with the r arithmetic value higher than r table. The results of the reliability test of all questionnaire data were declared reliable with an alpha value greater than r table. The results of the correlation test for variable X against Variable Y using Pearson correlation. The result is that there is no significant effect between social media on the consumptive behavior of students.

This study aims to determine the influence of lifestyle on consumptive behavior, determine the influence of self-control on consumptive behavior and determine the influence of financial literacy on consumptive behavior. In this study, researchers used quantitative methods using primary data and survey techniques as data collection techniques. The respondents of this study were 276 students of PGRI Semarang University, Faculty of Economics and Business, Management Study Program by distributing questionnaires through google form. The results of the t-test study of lifestyle variables have a significant effect on student consumptive behavior. Self-control variables did not have a significant effect on students' consumptive behavior. Financial literacy variables have a significant effect on student consumptive behavior. Test F (Simultaneous Test) showed a f_hitung value of 62,508 with independent variables of lifestyle, self-control, and financial literacy having a significant simultaneous effect on student consumptive behavior.

This study aimed to analyze the effect of e-money, economic literacy and parental income on the consumptive behavior of the students of the Faculty of Economics, UNP. This type of research was quantitative research with a descriptive approach. Data collection techniques used questionnaires, tests, and documentation. The sampling technique in this study was purposive sampling with a total sample of 133 respondents. The data analysis technique used multiple linear regression analysis. The results of this study indicated that: (1) e-money had a positive and significant effect on the consumptive behavior of FE UNP students, (2) economic literacy had a negative and significant effect on the consumptive behavior of FE UNP students, (3) parents' income had a positive and significant effect on the consumptive behavior of students. FE UNP,


 This study aims to analyze the effect of financial literacy, subjective norms, and lifestyle on the consumptive behavior of UIN SU students using electronic money with self-control as a moderating variable. The research method used is a quantitative method with an accidental sampling technique. The data analysis technique used is the SPSS 26 Moderated Regression Analysis (MRA) test. The results show that financial literacy has no significant and negative effect on student consumptive behavior by 9.4%, subjective nor ms have a positive and significant effect on student consumptive behavior by 22, 9%, and lifestyle has a positive and significant effect on the consumptive behavior of students by 41.8%. Financial literacy, subjective norms, and lifestyle simultaneously have a positive and significant effect on student consumptive behavior with a significance value obtained reaching 0.000 < 0.05, and Fcount greater than Ftable (15.907 > 2.47). Self-control has a significant effect on consumptive behavior with a significance value obtained of 0.021 <0.05, and tcount is greater than ttable (2,341> 1,985). Self-control does not strengthen financial literacy, subjective norms, and lifestyles on consumptive behavior. In addition, self-control affects consumptive behavior, so it can be concluded that self-control can influence consumers in choosing goods for consumption.
 Keywords: Consumptive Behavior; Financial Literacy; Subjective Norm; Lifestyle; Self Control

Consumption behavior in the current digitalization era is high because shopping platforms make it easier for everyone to access online shopping through several online shopping platforms. For students, uncontrolled consumptive behavior will burden their finances and cause financial problems to arise in the future. The purpose of this study was to determine (1) the effect of financial literacy on student consumptive behavior on online shopping platforms, (2) the effect of pocket money on student consumptive behavior on online shopping platforms, (3) the effect of lifestyle on student consumptive behavior on online shopping platforms (4 ) the effect of financial literacy, pocket money and lifestyle on student consumptive behavior on online shopping platforms. This study uses descriptive quantitative research with correlational methods using the help of the IBM SPSS Statistics 25 for Windows application program. The population in the study was 136, and in determining the sample using a purposive sampling technique, were 101 respondents in the sample. Data collection for financial literacy used tests for pocket money variables, lifestyle and consumptive behavior using questionnaires. Based on the results of the analysis, it can be concluded that (1) there is an effect of financial literacy on consumptive behavior, (2) there is an effect of pocket money on consumptive behavior, (3) there is an influence of lifestyle on consumptive behavior(4) there is a simultaneous effect of financial literacy, pocket money and lifestyle towards consumptive behavior.

A person's consumption depends on the amount of income earned. If a person's income increases, then consumption will also increase. Conversely, if income decreases, then consumption will also decrease. This study aims to analyze the influence of income, lifestyle, and social environment variables on student consumption behavior with religiosity as a moderating variable. The research method used is a quantitative method using anaccidental sampling technique. The data analysis technique applied is the Moderated Regression Analysis (MRA) test of SPSS 19.0. The results show that income has a positive and significant effect on student consumption behavior by 29.8%, lifestyle has a positive and significant impact on student consumption behavior by 27.6%, and social environment has a positive and significant effect on student consumption behavior by 24.1%. Income, lifestyle, and social environment simultaneously have a positive and significant impact on student consumption behavior with a significance value obtained reaches 0.000 <0.05, and Fcount is greater than Ftable (26.398> 2.47). Religiosity has a significant impact on consumption behavior with a significance value obtained of 0.036 <0.05, and tcount is greater than ttable (2.123> 1.985). Religiosity does not strengthen income, lifestyle, and social environment against consumption behavior. Income, lifestyle, and social environment have a positive effect on student consumption behavior with a moderate level of religiosity. In addition, religiosity affects consumption behavior, therefore it can be concluded that religious knowledge or ideology can influence consumers in choosing goods to consume, based on the value they believe in.

Aims: The purpose of this study was to examine the relationship between the influence of financial literacy, lifestyle, and self-control on the consumptive behavior of students of the Faculty of Economics and Business, Universitas Muhammadiyah Purwokerto. Study Design: Quantitative and descriptive research was used in this study. Place and Duration of Study: Faculty of Economics and Business, Universitas Muhammadiyah Purwokerto, Indonesina country, between April to July. Methodology: The study use purposive sampling resulted in 129 students (33 male, 96 female; class range 2023-2021; study program Accounting S1, Accounting D3, Management S1, Digital Business S1). Results: The study showed that financial literacy, students’ lifestyle, and students' self control are positively associated with students' consumption behavior. The analysis results show that financial literacy has a positive influence on consumptive behavior, with a path coefficient value of 0.144 and a p-value of 0.024. Similarly, lifestyle also has a positive influence on consumptive behavior, with a path coefficient value of 0.667 and a p-value of 0.000. Meanwhile, self-control has a negative influence on consumptive behavior, with a path coefficient value of -0.156 and a p-value of 0.010. Therefore, it can be concluded that financial literacy, lifestyle, and self-control affect the consumptive behavior of college students. Conclusion: This implies that the students must be able to control her/himself to be not consumptive.