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All Journal Jurnal Informatika Jurnal Pendidikan Ekonomi & Bisnis Jurnal Penelitian Pendidikan IPA (JPPIPA) Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Prosiding Seminar Nasional Teknoka Pendas : Jurnah Ilmiah Pendidikan Dasar Jurnal Pendidikan Matematika (JUDIKA EDUCATION) JURNAL PETIK JOURNAL OF SONGKE MATH Jurnal Kesehatan Iqtishoduna: Jurnal Ekonomi Islam AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Al-Kharaj: Journal of Islamic Economic and Business Buletin LOUPE (Laporan Umum Penelitian) MALA'BI JME Islamic EduKids: Jurnal Pendidikan Anak Usia Dini IQ (Ilmu Al-qur'an): Jurnal Pendidikan Islam JURNAL ABDIMAS TRIDHARMA MANAJEMEN Jurnal Agriment Yayasan Cita Cendikiawan Al Khwarizmi International Journal of Global Accounting, Management, Education, and Entrepreneurship (IJGAME2) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Arus Jurnal Pendidikan PRIMA : Portal Riset dan Inovasi Pengabdian Masyarakat INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Pengabdian Masyarakat Aufa (JPMA) NUSRA: Jurnal Penelitian dan Ilmu Pendidikan Jurnal Ilmu Pendidikan (SOKO GURU) Jurnal Ilmiah Metansi (Manajemen dan Akuntansi) JPUS: Jurnal Pendidikan Untuk Semua International Journal of Travel, Hospitality and Events CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE ELOQUENCE: Journal of Foreign Language International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Adopsi Teknologi dan Sistem Informasi ITQAN: Jurnal Ilmu-ilmu Kependidikan INGGARA : Jurnal Pendidikan Bahasa Inggris dan Bahasa Arab Jurnal Adijaya Multidisiplin Journal of Education Sciences: Fondation & Application Kajian Pendidikan Dasar (KAPEDAS) TAUJIH: Jurnal Pendidikan Islam Journal of Sustainable Community Service Swakarya: Jurnal Penelitian Sosial dan Pemberdayaan Masyarakat Jurnal Nirta: Studi Inovasi Alsinatuna Riset Akuntansi dan Keuangan Indonesia Jurnal Akuntansi Dan Manajemen RETORIKA : Jurnal Kajian Komunikasi dan Penyiaran Islam Tafaqquh : Jurnal Hukum Ekonomi Syariah dan Ahwal Syahsiyah Jurnal Elementaria Edukasia Alpatih: Jurnal Inovasi Pengabdian Masyarakat Jurnal Pendidikan & Pengajaran Journal of Sharia Business Management Jurnal Ekonomi dan Bisnis Computer & Science Industrial Engineering Journal
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Journal : INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE

 1 
THE INFLUENCE OF ECONOMIC FACTORS, LIFESTYLE, AND PSYCHOLOGICAL BEHAVIOR ON DECISION-MAKING IN E-WALLET USAGE (A STUDY ON STUDENTS OF THE FACULTY OF ISLAMIC ECONOMICS AND BUSINESS AT UIN SUMATERA UTARA) Ardhya Redina; Nurlaila; Muhammad Lathief Ilhamy Nasution
International Journal of Cultural and Social Science Vol. 6 No. 2 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i2.1065

Abstract

In the digital era, the use of financial technology, especially e-wallets, is increasing among students due to its convenience and flexibility. However, limited studies have examined the influence of economic, lifestyle, and psychological factors on e-wallet usage, particularly among Islamic economics students. This study uses a quantitative method with a multiple linear regression approach, based on data from 100 respondents collected via online questionnaires. The results show that economic factors negatively influence e-wallet usage (coefficient = -0.276, sig. < 0.05), suggesting that higher economic status may reduce usage. Lifestyle has a positive influence (coefficient = 0.341, sig. < 0.05), indicating students with modern habits are more likely to use e-wallets. Psychological behavior is the most influential factor (coefficient = 0.768, sig. < 0.05), emphasizing the role of motivation, perception, and trust. The R² value of 0.632 indicates that 63.2% of e-wallet usage decisions are explained by these variables.
FINANCIAL LITERACY AND LOCUS OF CONTROL ON THE FINANCIAL BEHAVIOR OF THE K-POP FAN COMMUNITY IN MEDAN CITY Nurwadiyah Nasution; Nurlaila; Tuti Anggraini
International Journal of Cultural and Social Science Vol. 6 No. 4 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i4.1190

Abstract

This study aims to analyze the influence of financial literacy and locus of control on financial behavior within the K-pop fan community in Medan City. The background of this research is based on the phenomenon of consumptive lifestyles among K-pop fans, most of whom come from the younger generation. This study employs a quantitative approach using a survey method with 96 respondents who are members of the K-pop community in Medan. Data analysis was conducted using multiple linear regression tests with the assistance of SPSS 25 software. The results of the study show that, partially, financial literacy has a significant influence on financial behavior (0.000 < 0.05), while locus of control does not have a significant influence on financial behavior (0.724 > 0.05). However, through simultaneous testing (F-test), it was found that financial literacy and locus of control together have a significant influence on financial behavior (0.000 < 0.05). These findings highlight the importance of improving financial literacy among the younger generation to encourage healthy financial behavior, particularly within communities with consumptive tendencies. Therefore, community-based financial education becomes an important strategy in facing the demographic bonus era
THE INFLUENCE OF WORD OF MOUTH, CUSTOMER EXPERIENCE, AND RISK PERCEPTION ON PURCHASE DECISIONS FOR WARDAH PRODUCTS Irfan Andinata; Nurlaila; Annio Indah Lestari Nasution
International Journal of Cultural and Social Science Vol. 6 No. 4 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i4.1196

Abstract

The skincare industry has experienced rapid growth in line with increasing public awareness of the importance of skin care, particularly among younger generations. Skintific, a skincare brand based on dermatological research, faces intense competition, making it essential to understand the factors that influence consumer purchase decisions. This study aims to examine the effect of Word of Mouth (WOM), customer experience, and perceived risk on purchase decisions for Skintific products. A quantitative approach was employed, with data collected through questionnaires distributed to consumers who had previously used Skintific products. Multiple linear regression analysis was used to test the hypotheses. The results indicate that WOM, customer experience, and perceived risk have a positive and significant influence on purchase decisions, both individually and collectively. These findings suggest that positive WOM, satisfying customer experiences, and effective management of rerceived risk are crucial strategies to encourage consumer interest and purchasing decisions. The practical implications of this research highlight the need for Skintific to strengthen testimonial-based communication, improve the quality of customer interactions, and provide comprehensive product education to reduce consumer concerns.
Co-Authors Abdul Kahar Agra F.R. Wulandari Al-Mahdi Alex Alhudori Alistraja Dison Silalahi Amalia, Shinta Andri Soemitra Andri Soemitra Angelia Sucityaswati, Elisabeth Anggi Pratiwi Sitorus Anggraini, Pipit Novel Anung Priambodo Apit Fathurohman Ardhya Redina Arifin Fauzi Lubis Arnida Wahyuni Lubis Asnia Minarti aspipa, Aspipa permata bunda Aulia Asyifa Pane Ayu Rahayu Ayunda, Nadila Ayus Diningsih Azman Ilham baiq desy arfini Baiq Kamilatunisak Benita, Melia Berliana, Eva Buamonabot, Irfandi Butar-butar, Khairunnisa Cindy Citra Candranurani Darrane Ronaldo Desi Ika Deviana, Deasy Cahayadie Dewi Hastuti Dhea Silvia Nandita dwi meilasari, retno Dwi Octavia Dyna Meilolita Ellbert Hutabri, Ellbert Elok S. Amitayani EM Yusuf Iis Ewitha Nurulhuda Fauzi Irsyad Fauzi, Esa Febriyani, Riskiya Fitri Rahma Handayani Fitriani Saragih Fitriani Gabriella Gazali, Gazali Ginting, Dinda Tri Ninta Glow Al Islami Gultom, Shalsabila Nurlani Hajjah Aini Makhyarani Nasution Haliliah Halimatussakdiah Hasibuan, Dini Nurbaiti hasibuan, elfi Haslina Hendra Harmain Hendri Hilmi, Hafizh Ika Fitria Elmeida Imsar Indah Afrianti Indah Lestari Indah Trianingsih Indirwan Indra Maulana INDRASARI, NELLY Intan Nisa Azhar Irfan Andinata Isnaini Harahap Jennifer Aurelia Jeny Jhoni Warmansyah Kusmilawaty Laras, Prastiti Lila Lilis Karwati Lubis, Rizki Insan Fitriah M.Lathief Nasution Makmur Jaya Nur Mariawati Marjunita Marliyah Marsondang Situmeang Martin Kustati Martina Martina Martina Maulana, Fariz Hassan Maulida Mei Hazra Nazri Meliana Sari Michael Alexander Muammar Khadafi Muammar Khaddafi Muassomah Mugiati Muhammad Lathief Ilhamy Nasution Muharrina, Cut Rahmi Mulya Yusnarti Murdifin Azhar Nabila Al Qammah PutriDari Nasution, Annio Indah Lestari Natalia Nirwana Arsyani Zebua Novelya Triye Mulyawi Nur alvan, Eri Nur Syahira Nur Wahyuni Nurchairina Nurdin, Hidayanti Rohimah Nurlaila, Moh. Nur Shodiq Nurwadiyah Nasution Nuryanti Parmadi, Bambang Partomuan Harahap PUDJIJUNIARTO Putut Pamilih Widagdo, Putut Pamilih R Nurhayati Rahmat Daim Harahap Restu Yuningsih Retno Andriati Rezki Amelia Rianti, Rianti Rico Nur Ilham Ridha, Sri Eva RITA PUSPITASARI Rizka Widayanti Safitri, Mazda Leva Okta Saparuddin Siregar Sastika, Omi Seli Sasmita Setria Utama Rizal Setyadi, Hario Jati Sharifah Norhaliza Sherryne Silalahi, Alistraja Dison Silvia Yasmin Lubis, Silvia Yasmin Siti Nurhalizah Lubis Sri Wahyuni Suginam Suparman Suparno, Fajar Supranto Prinajaya Siagian Susanti, Ita Syabrina, Muhammad Tambunan, Khairina Tan, Calvin Tan, Tony Thresdianto Tuti Anggraini Tyo Azharil Fikri Valencia, Carren Veta Lidya Warjidin Aliyanto Widi Winarni, Endang Wijaya, Vincent Winda, Ulfah Wiwin Herwina Wong, Steven Yamani, Lucky Yanna Wari Harahap Yarah, Saufa Yohanes Dwi Anggoro Yulinda, Isma Zahra Syurfa Zuhkrina, Yuli Zulbaini Zulbaini, Andgela Zulbaini, Angela