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All Journal Journal of Business Management Education (JBME) Briliant: Jurnal Riset dan Konseptual SEIKO : Journal of Management & Business Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Journal of Humanities and Social Studies Jurnal Ilmu Manajemen Keberlanjutan : Jurnal Manajemen dan Jurnal Akuntansi Community Development Journal: Jurnal Pengabdian Masyarakat Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Disrupsi Bisnis International Journal of Multidisciplinary: Applied Business and Education Research International Journal of Economy, Education and Entrepreneurship (IJE3) International Journal of Multidisciplinary Research and Literature (IJOMRAL) East Asian Journal of Multidisciplinary Research (EAJMR) Journal Of Human And Education (JAHE) Journal of Community Service (JCOS) IIJSE
Suwaidi, Rahman Amrullah
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Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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Analysis of Consumer Behavior with Financial Technology as a Moderating Variable among Students of Universitas Pembangunan Nasional Veteran Jawa Timur Fatmawati, Vindi Atika; Suwaidi, Rahman Amrullah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7328

Abstract

Consumptive behavior is an action related to the decision to buy, but does not involve the thought process in making purchasing decisions. The purpose of this study is to analyze the factors that influence consumptive behavior and its implications for individual financial management, especially students of UPN Veteran East Java. This study uses a quantitative method with primary data collected through Google Form. The data analysis technique used is stratified random sampling with data analysis tests using the Structural Equation Model - Partial Least Square (SEM-PLS) analysis technique with SmartPLS software version 4.0. The results of this study indicate that lifestyle variables are able to contribute to consumptive behavior positively and significantly, financial literacy is able to contribute to consumptive behavior negatively and significantly, financial technology is able to contribute lifestyle to consumptive behavior, while financial technology is not able to contribute financial literacy to consumptive behavior.
The Influence of Lifestyle and Self-Control on the Consumptive Behavior of Generation Z in North Surabaya with Financial Literacy as a Moderating Variable Anikawati, Vika; Suwaidi, Rahman Amrullah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7433

Abstract

Consumptive behavior is defined as purchasing actions that are driven more by desires than needs, often carried out with little deliberation. Utilizing financial literacy as a moderating variable, this study aims to examine how lifestyle and self-control influence the consumption patterns of Generation Z in North Surabaya. Primary data were collected through a quantitative approach using Google Forms to distribute the questionnaire. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the assistance of SmartPLS 4.0 software. The findings indicate that both self-control and lifestyle have a positive and significant effect on consumptive behavior. However, financial literacy does not moderate the relationship between lifestyle and consumptive behavior, although it does strengthen the relationship between self-control and consumptive behavior.
PENGARUH LOSS AVERSION DAN OVERCONFIDENCE TERHADAP INVESTMENT PERFORMANCE DENGAN INVESTMENT EXPERIENCE SEBAGAI VARIABEL MODERASI PADA INVESTOR GALERI INVESTASI DI SURABAYA Amelia, Novi; Suwaidi, Rahman Amrullah; Khoirotunnisa, Fani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7662

Abstract

Public participation in investment, especially within the banking sector, is witnessing notable growth driven by technological advancements and increased access to information. Nonetheless, this growth masks a reality where investor behaviour is often irrational and influenced by psychological factors. Insights from behavioural finance reveal that investment decisions rely on objective analysis, emotional factors, and individual perceptions. Specifically, loss aversion and overconfidence biases are thought to affect investment performance. Additionally, investment experience can amplify or diminish the impact of investment outcomes. This study identifies and analyses how loss aversion and overconfidence influence investment performance, with investment experience as a moderating variable. Employing a quantitative methodology, the research used purposive sampling to distribute a questionnaire at the Surabaya Investment Gallery. Data analysis was conducted through the Partial Least Square (PLS) method, utilizing SmartPLS 3.0. The study’s findings reveal that: 1) Loss aversion significantly positively impacts investment performance among investors at the Surabaya Investment Gallery; 2) Overconfidence also has a significant positive effect on investment performance among these investors; 3) Investment experience moderates the effect of loss aversion on performance; and 4) Investment experience similarly moderates the effect of overconfidence on performance among investors at the Surabaya Investment Gallery. These findings elevate behavioural finance literature and can guide investors toward making more rational decisions.
Co-Authors Agatha, Rizky Keyla Amelia, Novi ANIKAWATI, Vika Ardiansyah, Kharisma Eka Arimawasti, Indi Astutik, Dinda Krisna Sri Puji Berlianti, Selvina Novantia Dewi, Silfia Novita Faradila, Selma FATMAWATI, Vindi Atika Hafiza, Dienta Taulia Hidayati, Laeli Ilman, Wildan Imahanani, Hilda Khoirotunnisa, Fani Nasywaa, Ivena Adinda Nuraini, Faradibah Desy Purnawan, Amalina Firda Rachma, Maulita Ayubi Rahmadanti, Nadya Novelia Sari, Nina Zenitha Sekar Setiawan, Aulia Fitri Sukmahayati, Linda Susanto, Jonathan Ary Wiguna, Raden Roro Dwi Rizky Pratiwi Rahayu Zahro, Aziza Zaki, Bahruddin