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All Journal Nadwa : Jurnal Pendidikan Islam Indonesian Contemporary Nursing Journal (ICON Journal) Pendas : Jurnah Ilmiah Pendidikan Dasar Journal of Health, Education, And Literacy (J-Healt) JENTERA: Jurnal Kajian Sastra JURNAL PENDIDIKAN MIPA English Teaching Journal and Research: Journal of English Education, Literature, And Linguistics Edunomia : Jurnal Ilmiah Pendidikan Ekonomi Salimiya : Jurnal Studi Ilmu Keagamaan Islam Jurnal Penelitian Geografi (JPG) Jurnal Pendidikan dan Pembelajaran Indonesian Journal of Community Diversity and Engagement Ta'rim: Jurnal Pendidikan dan Anak Usia Dini Jurnal Multidisiplin Sahombu Jurnal Kabar Masyarakat Jurnal Pendidikan Dasar dan Menengah (DIKDASMEN)  Kreativitas Pada Pengabdian Masyarakat (Krepa) Jurnal Motivasi Pendidikan dan Bahasa Jambura Jurnal Ilmu Komunikasi Fonologi: Jurnal Ilmuan Bahasa dan Sastra Inggris Prosiding Seminar Nasional dan Call For Paper Kebidanan Universitas Ngudi Waluyo Journal Innovation In Education Jurnal Kesehatan dr. Soebandi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Mimbar Kampus: Jurnal Pendidikan dan Agama Islam Maklumat: Journal of Da'wah and Islamic Studies Mount Hope Management International Journal Katalis Pendidikan: Jurnal Ilmu Pendidikan dan Matematika Journal of Progressive Information, Security, Computer and Embedded System Jurnal Dedikasi Masyarakat Jurnal Epistemic : Jurnal Ilmiah Pendidikan Federalisme : Jurnal Kajian Hukum Dan Ilmu Komunikasi Journal of Islamic Scriptures in Non-Arabic Societies Jurnal Ilmiah Insan Mulia Relevancia: Jurnal Pendidikan dan Pembelajaran Inovasi Pendidikan dan Anak Usia Dini Jurnal Pendidikan Anak Usia Dini dan Kewarganegaraan International Conference on Digital Advanced Tourism, Management, and Technology Jurnal Ilmu Sosial dan Humaniora Jurnal Pendidikan dan Sosial Humaniora JEIZA: Jurnal Ekonomi Islam Az-Zain
Nur Fadilah
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Other

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Journal : Al-Kharaj: Jurnal Ekonomi, Keuangan

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Pengaruh Literasi Keuangan, Gaya Hidup, dan Pengguna E-Wallet Terhadap Perilaku Konsumtif Mahasiswa Penerima Beasiswa Pemerintah di Sidoarjo Nur Fadilah; M. Mustaqim; Achmad Zaki; Devika Cherly Putrihadiningrum
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.7632

Abstract

This study aims to determine the effect of financial literacy, lifestyle, and e-wallet users on consumer behavior in government scholarship recipients in Sidoarjo. The background of this study is based on the increasing use of e-wallets and consumer lifestyle trends among students including scholarship recipients. This study uses a quantitative method with multiple regression analysis. The population in this study were 100 Sidoarjo government scholarship recipients who were used as respondents using the random sampling method. Data were analyzed using SPSS version 25. The results showed that financial literacy did not have a significant effect on student consumer behavior. However lifestyle has a positive effect on consumer behavior meaning that the higher a person's lifestyle the higher the consumption. E-wallet users also have a positive effect on consumer behavior indicating that the ease of digital transactions can improve student consumption patterns. Simultaneously, these three variables affect the consumer behavior of scholarship recipients. These results provide insight for the government and educational institutions in designing student financial management policies.
Co-Authors Abdullah Saddam Siregar Achmad Zaki Adzkia Aisyqova Aulia Ahmad Rosadi Aisyah Alya Fadhluna ZamZam Andi Ahmad Saugi Suloengka Andi Puspitasari Andi Wahyuni Andika Adinanda Siswoyo Andika Septio Harahap Andina Setyawati Annisa Nursyifa Arfian Suryasuciramdhan Ari Nugrahani Arlina Arlina, Arlina Citra F.I.L Dano Putri Dela Afyani Desti Aprilyani Devika Cherly Putrihadiningrum Dinil Arifah Elsa Tsania Rafika Fatma Endang Setyowati Fardhani, Indra Farida FARIDATUL JANNAH Faridatul Yuniar Fatimah Hannum Gazali Lembah Haerianti, Masyita Harianto Heni Setyowati Herul Herul Ifa Nurasykin Ikman Baktarudin Ilham Handika Inayatul Makrufah Indrawati Ita Purnama junaedi, yunding Junita Ningsih Khairun Nisa Kholidah Nur Kholilah Ulfa Khusnul Khotimah Leny Nurkholisah M M. Akhirul Aman Dasopang M. Mustaqim M. Ridwan Tikollah Mahyudin Manpaluti, Ikbal Mardhiyah, Ira Siti Aenatum Marni Marni Mhd Sholihin Martua Lubis Mila Rosa Angraini Moh. Syafar Sangkala Monika, Monika Mubayyinah Muliyadi Muh. Sofyan Muhammad Alkirom Wildan Muhammad Azis muhammad irfan Muhammad Tahir Mukhlis Mukhlis Mulyawan Safwandy Nugraha Nabil Akbar Nurcholis Nadya Aurelle Dwisyah Nani Suwarni Naura Firdausiyah Nur Anisah Nur Annisa Nur Ayu Nur Fajrianti D Nur Hidayah NUR JADIDAH Nur syamsi Nuraedah Nurmia Muin Nuurhidayat Jafar Prihaten Maskhuliah R. A Qothrun Nada Syauqina Rahma Ashari Hamzah Ramadan Lubis Raudhatul Islam Rinawati Rumatoras Rinawati Tiflen Riski Hidayah Riski Saskia Ray Robiyatul Adawiyah S.Fathiyatul Jannah Sakinah Nasution Satria Panji Nugraha Satria Wicaksana Shofwatul Inayah Lubis Sholatiah Lubis Sihotang, Abdi Ardiansyah Silvia Malasari Siti Banun Siti Fadilah Siti Mayasari Pakaya Sitti Aisyah Abdullah Sri Warjiyati Sulaiman Sulaiman Sulvinajayanti Sumarna, Dedi Suprianto Suprianto Suyanto Tarisa Dini Amelia Titi Martini Harahap Tuti Alawiyah Ulinsa, Ulinsa Ulya Ardhia Cahyani Ahmad Veftisia, Vistra Vischa Putri Pratama Afianti W. S. Yessi Gusman Wahidah Rangkuti Wardatun Navisah Yasmin Sabrina Nur Islami Yunidar ZULFAH Zulkaida Akher Zulkarnain Zulkarnain