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Journal : INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE

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 Adilla, Ulfa Agra F.R. Wulandari Ahmed, Zakaria Al-Mahdi Alex Alhudori Alistraja Dison Silalahi Amalia, Shinta Amelia Putri Adinda Andri Soemitra Andri Soemitra Andryadi Anggi Pratiwi Sitorus Anggraini, Pipit Novel Anung Priambodo Apit Fathurohman Arbaiyah, Ita Ardhya Redina Arifin Fauzi Lubis Arnida Wahyuni Lubis Asnia Minarti aspipa, Aspipa permata bunda Asrina Aulia Asyifa Pane Aulia, Anisa Ayunda, Nadila Ayus Diningsih Azman Ilham baiq desy arfini Baiq Kamilatunisak Batubara, Maryam Benita, Melia Berliana, Eva Buamonabot, Irfandi Butar-butar, Khairunnisa Cindy Citra Candranurani Darrane Ronaldo Desi Ika Deviana, Deasy Cahayadie Dewi Hastuti Dhea Silvia Nandita Dinda dwi meilasari, retno Dwi Octavia Dyna Meilolita Edi Kurniawan Ellbert Hutabri, Ellbert Elok S. Amitayani EM Yusuf Iis Esa Fauzi Ewitha Nurulhuda Fadhila Rahma, Tri Inda Fauzi Irsyad 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 Hanafi Hamonangan, Muhammad Harahap, Suryati Harahap, Yanna Wari Hasibuan, Ahmad Safii Hasibuan, Dini Nurbaiti hasibuan, elfi Hasibuan, Masnilam Haslina Hendra Harmain Hendri Hilmi, Hafizh Ika Fitria Elmeida Ikhsan Abdullah Imsar Indah Afrianti Indah Lestari Indah Trianingsih Indirwan Indra Maulana INDRASARI, NELLY Intan Nisa Azhar Irfan Andinata Isnaini Harahap Jennifer Aurelia Jeny Jhoni Warmansyah Jufri, Soleman Karwati, Lilis Khairul Amri Khas Sukma Mulya Kusmilawaty Laras, Prastiti Laylan Syafina Lila Lilis Karwati Lubis, Rizki Insan Fitriah Lubis, Siti Nurhalizah M.Lathief Nasution Makmur Jaya Nur Mariawati Marjunita Marliyah Marsondang Situmeang Martin Kustati Martina Martina Martina Marwati Maulana, Fariz Hassan Maulida Mei Hazra Nazri Meliana Sari Michael Alexander Moh. Nur Shodiq, Moh. Nur Muammar Khadafi Muammar Khaddafi Muassomah Mugiati Muhammad Akbar Muhammad Fazis Muhammad Lathief Ilhamy Nasution Muhammad Salman Muharrina, Cut Rahmi Mulya Yusnarti Murdifin Azhar Musleh Wahid Nabila Al Qammah PutriDari Nasution, Annio Indah Lestari Nasution, Juliana Natalia Ni Luh Ayu Anggraeny Nirwana Arsyani Zebua Nofri Bakri Novelya Triye Mulyawi Nur alvan, Eri Nur Syahira Nur Wahyuni Nurchairina Nurdin, Hidayanti Rohimah Nurhayati Nurlaila, Moh. Nur Shodiq Nursalmah Nursani Nurul Hidayah Nasution Nurwadiyah Nasution Nurwijayanti Nuryanti Parmadi, Bambang Partomuan Harahap Partomuan Harahap Permata, Sahara Indah Pradila, Egita 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 Ritonga, Sukhri Herianto Rizka Widayanti Rizky Amelia Rosiyana Muunawaroh, Rosiyana Safitri, Mazda Leva Okta Saparuddin Siregar Saputri, Nabila Dwita Meifianti Saputri Sastika, Omi Seli Sasmita Selvia Nelis, Selvia Setria Utama Rizal Setyadi, Hario Jati Sharifah Norhaliza Sherryne Silalahi, Alistraja Dison Silvia Yasmin Lubis, Silvia Yasmin Siregar, Hera Soraya Wardani Siti Nurhalizah Lubis Sri Wahyuni Sriventi Lestari Suginam Suparman Suparno, Fajar Supranto Prinajaya Siagian Susanti, Ita Syabrina, Muhammad Syakir, Ahmad Syofyan Hadi Tambunan, Khairina Tan, Calvin Tan, Tony Thresdianto Tisrin maulina dewi 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 Yasin, Kombang Ali Yenni Samri Juliati Nasution Yohanes Dwi Anggoro Yulia, Yulia Pratiwi Siregar Yulinda, Isma Yuni Kristiani Tumani Zahra Syurfa Zaky, Husnul Zuhara, Nidia Zuhkrina, Yuli Zulbaini Zulbaini, Andgela Zulbaini, Angela Zulheldi