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All Journal Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory
Tanjung, Muhammad Affandy
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Religion Law, Crime, Criminology & Criminal Justice Social Sciences

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The Effect Of Financial Literacy And E-Wallet Use On Students' Consumer Behavior Tanjung, Muhammad Affandy; Hardana, Ali; Harahap, Takdir Novriansyah; Nasutin, Abri
Indonesian Journal of Islamic Jurisprudence, Economic and Legal Theory Vol. 4 No. 2 (2026)
Publisher : SPT. haria Journal and Education Center Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62976/ijijel.v4i2.1802

Abstract

This study aims to analyze the effect of financial literacy and e-wallet usage on the consumptive behavior of students at the Faculty of Islamic Economics and Business, Syekh Ali Hasan Ahmad Addary State Islamic University Padangsidimpuan. The research employed a quantitative approach with a causal associative design. The sample consisted of 65 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed through multiple linear regression using SPSS version 22.The results indicate that financial literacy has a negative effect on consumptive behavior, with a regression coefficient of -0.203, meaning that higher levels of financial literacy are associated with lower levels of consumptive behavior among students. E-wallet usage also shows a negative effect on consumptive behavior, with a regression coefficient of -0.154. Simultaneously, financial literacy and e-wallet usage have a significant effect on consumptive behavior, as evidenced by an F-test significance value of 0.001 (< 0.05). The coefficient of determination (R Square) of 0.823 indicates that 82.3% of the variation in consumptive behavior can be explained by the two independent variables.In conclusion, improving financial literacy and promoting wise use of e-wallets can be effective strategies to reduce consumptive behavior among students in the digital era.
Co-Authors Ali Hardana Harahap, Takdir Novriansyah Nasutin, Abri