Consumer Lifestyles Research Articles

The Influence of Financial Literacy, Lifestyle, and Financial Inclusion on the Financial Management of Catholic Youth (OMK) of the Diocese of Maumere with Locus of Control as Moderation

This study aims to analyze the influence of financial literacy, lifestyle, and financial inclusion on the financial management of Catholic Young People (OMK) of the Diocese of Maumere, with the locus of control as a moderation variable. Using a quantitative method with an associative approach, data was collected through a questionnaire from 335 OMK respondents spread across 41 parishes in the Diocese of Maumere. The data was analyzed using Smart-PLS version 3. The results showed that financial literacy and financial inclusion had a significant positive effect on financial management, while lifestyle had a significant negative influence. Locus of control has been proven to strengthen the positive influence of financial literacy and financial inclusion, as well as weaken the negative influence of lifestyle on financial management. This study concludes that financial literacy, financial inclusion, and locus of control are important factors that support more optimal financial management among OMK, while consumptive lifestyle is a challenge that needs to be overcome. Practical implications of this study include providing guidance to OMK and pastoral ministers to improve financial management skills, as well as recommendations for policymakers to improve financial literacy and access to financial services for young people.

Frugality is the new sexy

AbstractThe overarching goal of this article is to spur fresh interest in the topic of frugality and new empirical research on it. To do so, this article presents a series of research propositions that are based on the discussions provided in each section. In particular, the second section of this article reviews philosophical and religious accounts of the concept of frugality. The third and fourth sections focus on consumer psychological research on dispositional frugality. The sixth section reflects on two popular consumer lifestyles, miserliness and simple living, that require certain frugal behaviors but are inspired by non‐frugal values. The seventh section links both frugal and non‐frugal values to two sociological variables: generational cohort and social class. Last, the eighth and ninth sections review new obstacles that consumers face in today's marketplace and how consumers can practice frugality in spite of them.

Materialistic, Hedonistic, and Consumptive Lifestyle Trends: An Analysis The Learning Materials Of Al-Qur’an Hadith At The Madrasah Tsanawiyah Level

Materialistic, hedonistic, and consumptive lifestyles in this case the excessive lifestyle and miserly attitude are on two different sides. Because these two traits are clearly contrary to the concept of simplicity that Islam wants. Therefore, this paper will discuss the prohibition of materialistic, hedonistic and consumptive lifestyles in the Qur'an and Hadith. The research method used is library research, which is a method of collecting data by understanding and studying theories from various literatures related to the research. After conducting in- depth research, the author can find that the nature of materialism (life values that emphasize or attach importance to the ownership of material goods or wealth), Hedonism (Pleasure of life), Consumptive (behaviour or lifestyle that likes to spend money without considering carefully). Islam firmly rejects the attitudes of these three lifestyles in the form of prohibiting extravagance on the one hand and miserliness on the other. Because these three traits are clearly contrary to the concept of simplicity that Islam wants. As Allah says in QS. Al-Hadid: 20, QS. At-Takatsur: 1, and QS. Al-Isra: 17. The study of the Al-Quran and Hadith, a Muslim should use his wealth for useful things and not be used for vain things.

La espiritualidad de una ecología integral

Spirituality in an ecological key raises the urgency of giving a response from the human spiritual dimension to the challenges that the environmental crisis of today's world continually throws up. To this end, it contrasts an integral ecology, of purely humanistic, spiritual and cultural roots, with an ecology of disaster, of purely technological and geoengineering roots. In contrast to an ecology of disaster focused on short-term reactions that give primacy to technical geoengineering solutions, integral ecology focuses on the current challenges of the relationship between human beings and nature by exploring its spiritual roots, questioning the consumerist lifestyle and identifying the underlying political and ideological responsibilities. To do so, it takes up the teachings of Pope Francis in his magisterium on this problem and relates it to the voices of other thinkers, theologians and humanists. Through this reflection it becomes evident that, although technical solutions are necessary in the face of certain emergencies, a spiritual change in the attitude of human beings towards nature is needed. The ecology of disaster is based on techno-optimism that seeks to reduce pollution and promote food industrialization without questioning the habits of the first world. Integral ecology, on the contrary, seeks to establish the social priorities that make it possible to live in a less polluted, less noisy and more friendly world with people, their spiritual values and their relationship with the environment. This is where the ecological spirituality of good living is inserted, which seeks to reconstruct the creatural relationship of human beings with the earth, air, water and all living beings.

Analysis of metrosexual consumer lifestyle in urban areas: A phenomenological study of male-targeted beauty consumers on social media

This in-depth study explores the evolving metrosexual consumer lifestyle within Indonesia's urban centers and specifically delves into how the metrosexual community utilizes Instagram as a platform for self-representation and social interaction. Employing a qualitative, phenomenological approach anchored in constructivism, data were gathered through a multifaceted approach, including in-depth interviews with key informants, participant observation through examination of Instagram profiles and online interactions, as well as a comprehensive literature review to contextualize findings. To identify study participants, strategic keywords such as "metrosexual," "lifestyle," and "men's beauty" were applied on Instagram search. The selection was meticulously narrowed down to ten highly active endorsers and followers with the most significant engagement. The approach ensured that rich insights from individuals deeply embedded within the metrosexual community on Instagram were captured. The study unveils intriguing aspects of Indonesian urban metrosexuals' consumption habits and social media preferences. Their primary concern lies in the effectiveness of beauty products in enhancing their appearance, prioritizing results over mere brand prestige. The focus on practicality is further reflected in their preferred places to meet. Shopping malls emerge as their preferred destinations for social activities. When it comes to social media, Instagram is the most popular choice. Its visual focus and content sharing align perfectly with the metrosexual community's interest in self-presentation and cultivating a meticulously crafted online image. The research also highlights the significant role of physical appearance in boosting self-esteem within the metrosexual community, influencing their interactions both online and offline. The managerial implications of this study indicate the importance of paying attention to male consumers for beauty products and services.

Trend analysis of Crossover cars with reference to Uttar Pradesh

This article discusses the trend analysis of Crossover cars in India. It explores the sales data of different Crossover car brands in the country and draws insights from it. It then estimates the potential growth in the sale of cars in India and explores other potential opportunities for the growth of the segment. The findings of the paper indicate that Crossover cars have experienced a significant growth in sales in India, driven by their stylish design and cost-effectiveness. With increased demand from customers, the sale of crossover cars is likely to continue to grow in the near future. Additionally, the paper also identifies some potential opportunities for the growth of the segment in the long run. It suggests that Crossover cars should focus on their feature offering and technological advantages to ensure a sustained growth in the market. The research focuses on the factors influencing consumer buying behavior. The aim of this study is to find out the factors influencing consumer’s decision to purchase Maruti Suzuki car. The design of the research is completely quantitative and qualitative. According to the results of this study, there are certain factors that influence consumer buying behavior, including brand, satisfaction, fuel consumption and lifestyle, safety feature etc. Different ages of the consumer, stages of the life cycle, motivations, perceptions, and environment also play a significant role in influencing the purchasing decision. Besides, it investigates the trend analysis of crossover cars in Uttar Pradesh by using secondary data on sales figures of distinct brands and prospective growth. The research revealed that the crossover car market in Uttar Pradesh experienced steady growth during the past few years with the sale of these vehicles increasing from 2016 onwards. The research findings show that the contribution of crossover cars to the total automotive market in Uttar Pradesh was 59.2% in 2019. The most popular crossover car models in Uttar Pradesh are Hyundai Creta, Kia Soul, Volkswagen Tiguan, Toyota Fortuner, Honda HR-V, and others. Furthermore, the research revealed that the future of crossover cars in the state looks bright and the state could become one of the major markets for crossover vehicles in the country. The automotive market in Uttar Pradesh is expected to increase from 10.1% in 2018 to 32.5% in 2025. Overall, this exploratory analysis of crossover cars in Uttar Pradesh demonstrated that the market for these vehicles is growing steadily in the state and is expected to remain so in the near future. The data obtained from the present study provides new insights to develop a platform to explore adequate sales volume of manufacturers and automotive companies in the state.

Assessing the influence of artificial intelligence on sustainable consumption behavior and lifestyle choices

Purpose Artificial intelligence (AI) has advanced at a rapid pace in the 21st century, and this has had a profound impact on many facets of human behavior, most notably the attitudes toward sustainable consumption and the lifestyles of consumers. Young consumers are at the forefront of AI technology adoption due to their upbringing in an era dominated by technological advancements, and these technologies are changing the way they engage with brands, make purchases and practice sustainability. This research paper aims to investigate the influence of AI on sustainable consumption behavior and lifestyle choices among young consumers. Design/methodology/approach This research study examines the complex effects of AI on young consumers using the Unified Theory of Acceptance and Use of Technology 2 model. This study addresses the intricacies and issues related to AI, such as the risk of overconsumption and the environmental impact of AI technologies, while also examining how AI-driven tailored experiences improve consumer engagement and promote sustainability. Structural equation modeling (SEM) was used to evaluate the hypotheses and produce solid insights into the connections between consumer behavior, sustainable consumption and the adoption of AI. Findings The results highlight the necessity of adopting AI in a balanced manner and stress the significance of coordinating AI advancements with sustainability goals. Originality/value This study offers a significant contribution to the body of knowledge by examining the relationships between the adoption of AI, environmental consciousness and sustainable consumption. It also offers practical suggestions for encouraging consumers to engage in eco-friendly activities and responsible consumption.

Cross-Cultural Consumer Lifestyles and Sustainable Tourism in Rural Communities in Palembang Indonesia

Objective: To investigate how cross-cultural consumer lifestles influence rural tourism with the aim of evaluating the effectiveness of sharing economy knowledge partnerships (SEKPs) aimed at achieving UN’s Sustainable cities and communities goal (SDG 11) by transforming remote rural communities into sustainable tourism destinations in Indonesia. Theoretical Framework: Draws on the concepts of consumer lifestyles, rural tourism, sharing economy, postcolonialism, cross-culturalism, sustainable cities and communities, to development a conceptual framework for the study. Method: We adopt mixed research designs, involving questionnaire survey, observations, and semi-structured interviews between February-March 2022 in Indonesia. We asked participants about their willingness to collaborate to develop tourism in rural communities. The data collected was subjected to SPSS multiple regression and NVivo thematic content analysis. Results and Discussion: We identified three factors influencing consumer lifestyles relating to UN’s SDG11: ‘collectivism’, ‘strategic orientation’, and ‘power-relationship’. We discussed these relational factors under seven thematic findings: ‘performance orientation’, ‘thinking strategically’, ‘anxiety tolerance’, ‘integrative relationship’, ‘gender balance’, ‘relational tendency’, and ‘market dynamism’. Research Implications: The findings have implications for theory and practice in the field of sustainable tourism destination development, considering the urgency for achieving SDG11. Future research would include a wider range of stakeholders in Indonesia and other Southeast Asia countries to enhance the generalisability of the findings. Originality/Value: The adoption of a Postcolonial lens and a Cross-cultural perspective help to clarify the concepts of consumer lifestyles, the role of SEKPs, and importance of achieving UN’s SDG11 in the transformation of rural communities into sustainable tourism destinations in Palembang, Indonesia.

Pengaruh Preferensi Konsumen, Digital Marketing, dan Lifestyle terhadap Keputusan Pembelian Pada Cafe Edelweiss Wonokitri, Pasuruan

This study aims to comprehensively analyze the influence of consumer preferences, digital marketing, and lifestyle on purchasing decisions. The research employs a quantitative approach using multiple linear regression analysis to determine the relationships among these variables. Data was meticulously collected through well-structured questionnaires distributed to a diverse group of respondents who had recently made purchases, ensuring a broad representation of consumer behavior. The analysis results indicate that the variables of consumer preferences, digital marketing, and lifestyle each have a positive and statistically significant effect on purchasing decisions. Specifically, consumer preferences play a pivotal role in shaping purchasing behavior, while digital marketing efforts effectively reach and engage target audiences. Additionally, lifestyle alignment with consumer trends further enhances the likelihood of purchase decisions. These findings suggest that businesses aiming to improve their sales performance should focus on enhancing consumer preferences through personalized offerings, employing effective digital marketing strategies that resonate with target audiences, and aligning products and services with the relevant consumer lifestyles. In conclusion, consumer preferences, digital marketing, and lifestyle are critical factors that businesses should strategically consider when developing comprehensive and effective marketing strategies to boost purchasing decisions and achieve sustained growth.

PENGARUH PENGGUNAAN UANG DIGITAL TERHADAP PERILAKU KONSUMTIF DAN GAYA HIDUP MASYARAKAT

Consumer behavior in the current era comes from the process and not from oneself because it follows developments in increasingly modern times. The phenomenon that occurs in the people of Talkandang Village, Kotaanyar District, Probolinggo Regency also reflects the consumptive behavior that occurs in society which can be seen from the behavior of using goods that are trendy and have high purchasing prices. This research is to examine the influence of the use of Digital Money on consumer behavior and lifestyle of the people of Talkandang Village, Kotaanyar District. This research uses a quantitative approach in the form of primary data obtained from distributing questionnaires and then processing the data using SPSS 25. The population of this research is 4980 people with a sample of 347 respondents. From the research results, it is known that the use of digital money has a positive and significant effect on student consumptive behavior. Meanwhile, the use of Digital Money does not have a positive or significant impact on people's lifestyles.

Smart Consumer Purchasing Decisions: The Moderating Role of Lifestyle

This research aims to analyze the influence of price on the purchase decision of Samsung smartphones with lifestyle as a moderating variable in Faculty of Economics and Business Undana Kupang students. This study uses a quantitative approach with a sample of 95 people. Data were collected using questionnaires and analyzed using simple linear regression and MRA tests with the help of IBM 29 SPSS. The results of this study show that price has a positive effect on purchase decisions, meaning that higher prices are considered indicators of product value or superiority, thus encouraging consumers to make purchases., in addition, lifestyle weakens the relationship between price and purchase decisions, meaning that the influence of price on purchase decisions becomes less significant because of consumer lifestyles. In this context, even if the price of a product or service is higher or lower, consumers' purchasing decisions are influenced more by their lifestyle than by the price itself. Smart consumers tend to price as their lifestyle improves. Smart customer signals a significant shift in the way people think about purchasing. They are beginning to realize that price does not always reflect the true value of a product. In many cases, savvy consumers are willing to pay more for higher quality, appeal, or ethical values

Muslim Consumer Behavior Towards the Existence of Halal Brands on Ice Cream Products

This article about Muslim consumer behavior is to learn more about the existence of a halal brand on the purchase of ice cream products. This literacy says that consumer behavior is important to influencing the existence of a halal brand. The lifestyle of Muslim consumers, which are concerned about whether they are buying or consuming a product, especially ice cream, is due to a tendency to care about religious teaching (Islam). This type of study is library research conducted through the way we study books and other data sources. The research method used is a qualitative study. The results of the study state that consumer behavior has a significant impact on existence of halal brands when purchasing Walls ice cream.

Pengaruh Financial Tecnology terhadap Manajemen Keuangan Generasi Z

This research discusses the influence of financial technology (Fintech) on the financial management of Generation Z, a generation that is familiar with digitalization and has a consumptive lifestyle. Generation Z, which accounts for around 27.94% of Indonesia's population, exhibits financial behaviors that tend to be more concerned with wants than needs. Through a literature review, this research explores how Fintech affects Generation Z's financial behavior, including the challenges that arise, such as shopping addiction and debt risk. Fintech offers easy access to financial services, such as digital payments, investments and online lending, allowing Generation Z to manage their finances more flexibly. However, their low financial literacy may result in suboptimal financial management. This study highlights the importance of financial literacy as a key factor to help Generation Z achieve sustainable financial well-being and respond to the challenges of Fintech development in the digital era

The Effect of Financial Education on the FinancialLiteracy of the Millennial Generation

This study aims to analyze the influence of financial education on the financial literacy of the millennial generation. Millennials face increasingly complex financial challenges as access to digital financial products and consumptive lifestyles increases. Good financial literacy is needed so that they are able to make wise financial decisions, save, and invest for the future. This study uses a quantitative approach by collecting data through a survey involving 121 millennial respondents who have participated in financial education programs. Data analysis was carried out using SPSS version 25 software and linear regression methods to test the relationship between financial education and financial literacy levels. The results of the study show that financial education has a significant positive influence on millennial financial literacy. These findings underscore the importance of financial education programs in improving the financial understanding of millennials so that they are better prepared to face complex financial decisions. This research is expected to be a reference for policymakers and educational institutions in designing more effective financial literacy programs to support the financial well-being of the millennial generation.

Adoption of Online Food Ordering Platforms: A Study on Consumer Behavior and Brand Influence of Swiggy and Zomato

The swift advancement of digital technologies alongside the evolving lifestyles of consumers has profoundly reshaped the food service sector, resulting in the extensive utilization of online food ordering platforms. This review manuscript seeks to investigate the principal determinants affecting the acceptance and expansion of these platforms, emphasizing consumer behavior, technological innovations, and branding methodologies. By synthesizing knowledge from prevailing literature and research concerning notable platforms like Swiggy and Zomato, the manuscript scrutinizes essential motivators such as convenience, pricing strategies, service excellence, user engagement, and promotional initiatives. Furthermore, it delves into the influence of trust, security, and social dynamics in molding consumer perceptions and preferences. Through a thorough examination of these variables, this manuscript endeavors to furnish a more profound comprehension of the mechanisms underlying consumer adoption and retention within the online food delivery sector. The conclusions underscore potential avenues for platforms to refine their strategies to align with the shifting expectations of consumers and uphold a competitive edge in an increasingly crowded marketplace.

Circular economy in fashion: consumer awareness and lifestyle, and environmental impact on second-hand clothes

Circular economy in fashion: consumer awareness and lifestyle, and environmental impact on second-hand clothes

Moderation of Life Style on the Influence of Financial Literacy and Self-Control on the Saving Behavior of Millennial Employees in Denpasar City

This study aims to analyze the influence of financial literacy and self-control on the saving behavior of millennial employees, as well as the moderating role of lifestyle in the relationship. Financial literacy, which includes an individual’s understanding of basic financial concepts and money management, is hypothesized to play an important role in increasing saving behavior. Self-control, an individual’s ability to resist consumer impulses and make wise financial decisions, is also considered a key factor influencing the tendency to save. However, excessive consumption behavior as part of the millennial lifestyle can potentially hinder savings efforts even though they have adequate financial literacy and self-control. In this study, lifestyle is modeled as a moderating variable that can weaken or strengthen the influence of financial literacy and self-control on saving behavior. Data collection was conducted through a survey of millennial employees from various job sectors. Data analysis used the moderated regression method to test the interaction between financial literacy, self-control, and lifestyle in influencing saving behavior. The results showed that financial literacy and self-control had a significant positive effect on saving behavior. However, lifestyle acts as a negative moderator, where a consumptive lifestyle weakens the relationship between financial literacy and self-control with saving behavior. This finding provides practical implications for individuals and companies, especially in raising awareness of the importance of lifestyle control and financial literacy to encourage better saving behavior among millennial employees.

The Influence of Online Promotion and Consumer Lifestyle on the Decision to Buy Used Cars at Yusuf Mobilindo's Showroom in East Oku

This study aims to analyze the influence of online promotions and consumer lifestyles on the decision to buy used cars at the Yusuf Mobilindo Showroom in East Oku. This type of research is quantitative descriptive. The technique of determining the number of samples uses the Hair et at formula, which is 10 times the number of all indicators, so that the number of research samples is 110 respondents. Data analysis uses data quality test, classical assumption test, and multiple linear regression analysis with t test (partial), F test (simultaneous), and R test. The results of the study show that Online Promotion has a positive and significant effect on the Decision of Buyers of used cars at the Yusuf Mobilindo Showroom as seen from the results obtained with a calculation value of 3,772 > a table of 1,981 with a significance level of 0.000 < probability of 0.05. Lifestyle has a positive and significant effect on the Decision of Buyers of used cars at the Yusuf Mobilindo Showroom, the results obtained with a calculation value of 2,908 > 1,981 with a significance level of 0.000 < probability of 0.05. Online promotions and lifestyle simultaneously have a positive and significant effect on consumer buyer decisions at the Yusuf Mobilindo Showroom. This can be seen from the results of the F test obtained a value of Fcal 19.627 > Ftable 3.08 with a value and significance level of 0.000 < 005. The result of the correlation value for the online promotion variable (X1) and lifestyle (X2) in relation to buyer decision (Y) is 0.518, so the relationship is positive. In the calculation of R Square, 0.268 was obtained, meaning that the combined influence of variables X1 and X2 on Y was 26.8%. The remaining 73.2% was influenced by other variables that were not studied.

Perilaku Konsumtif dan Gaya Hidup Hedonis Relasinya terhadap Minat Mahasiswa Menggunakan E-Commerce

Technological developments have an impact on changing people's lives. Hedonistic and consumptive lifestyles are variables that affect the high interest in using e-commerce. Students tend to behave consumpively to fulfill their hedonistic lives, this is done by utilizing e-commerce platforms. Students' consumptive behavior is related to fashion products which are always the main concern. This research was conducted to determine the relationship between consumptive behavior and hedonistic lifestyle to interest in using shopee e-commerce. The object of this research is students of the Faculty of Sharia and Islamic Economics, Mathali'ul Falah Pati Islamic Boarding School Institute with a sample of 77 students selected using the purposive sampling technique. Data analysis using Smart-PLS software. The results of this study concluded that students' consumptive behavior and hedonistic lifestyle had no effect on their interest in using shopee e-commerce.

Impact of Using Online Loans on the Consumptive Lifestyle of Students at the Sepuluh Nopember Institute of Technology, Surabaya

Impact of Using Online Loans on the Consumptive Lifestyle of Students at the Sepuluh Nopember Institute of Technology, Surabaya