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Naswan Suharsono
Universitas Negeri Malang
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The Effect of Individual Modernity, Financial Literacy, and Technology Adoption on Consumptive Behavior with Lifestyle as an Intervening Variable among College Students in Malang City Mirna Shofa Hesti; Hari Wahyono; Naswan Suharsono
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.8558

Abstract

This study aims to determine the influence of student consumptive behavior in terms of individual modernity, financial literacy, lifestyle, and technology adoption with lifestyle as an intervening variable. The method used is quantitative with explanatory research type . The population in this study were students in Malang city while the sample of this study were students of Malang State University, Brawijaya University, Muhammadiyah University, and Islamic University of Malang. The sampling used was multistage sampling. Data were collected by means of tests and questionnaires. Hypothesis testing was carried out using the Structural Equation Model (SEM) approach based on Partial Least Square (PLS). Based on the results of the study, it is known that individual modernity has a positive effect on consumptive behavior with a P-value of 0.000 and a t-statistic value of 51.028 while modernity has no effect on lifestyle because the P-Values value is 0.965 and a t-statistic value of 0.043. The financial literacy variable does not affect consumptive behavior because the P-Values value is 0.665 while the t-statistic value is 0.433 but the financial literacy variable has a negative effect on lifestyle with a P-Values value of 0.001 and a t-statistic value of 3.370. The technology adoption variable has a positive effect on consumptive behavior with a P-Values value of 0.020 and a t-statistic value of 2.335. The technology adoption variable also has a positive effect on lifestyle with a P-Values value of 0.000 and a t-statistic value of 4.798. The lifestyle variable has a positive effect on consumptive behavior variables with a P-Values value of 0.017 and a t-statistic value of 2.393.
Co-Authors ., ANAK AGUNG AYU SRI MARTINI ., AYU GDE CHRISNA UDAYANIE ., DEWA AYU MADE MAHAYUNI ., DR. I MADE KIRNA, M.Si. ., I NYOMAN SUARSANA ., KADEK WIRAWAN ., KD ARYA UTAMA JAYA ., NI KETUT UTAMI HANDAYANI ., Ni Luh Diani ., NI NYOMAN SUKARMINI ., Rekha Ad&#039 ., SYAMSUHARI ., Tri Rahayu A. A. Gde. Ekayana Achmad Basofitrah Afria, Julia Agus Hermawan Agus Hermawan Agus Hermawan Agus Hermawan Ana Badriah . Ana Badriah ., Ana Badriah Andryan, Dwi Anjuman Zukhri ANNISA RAHMAWATI Apriani, Ni Luh Arlindo Do Ceu Fatima Lindo Aruna, Alby Bilqis Nabila Buyung Adi Dharma Damis Veri Budianto Dede Rusmana Dedi Joko Hermawan Desy Ayu Nurmala . Dewi Zahro Pertiwi Dewi, Ni Kadek Duri Listya Dewi, Titis Shinta Djatmika W.W, Ery Try Dr. I Dewa Putu Raka Rasana,M.Ed . Dr. Iyus Akhmad Haris,M.Pd . Drs. I Ketut Dunia, M.Erg. . Drs. I Made Kirna,M.Si . Drs. I Made Nuridja, M.Pd. . Dyah Setyawati Eva Puspa Asri . Eva Puspa Asri ., Eva Puspa Asri Fadia Zen Faizin, Moh. Fajar Azmi Kurniawan, Fajar Azmi Fitri, Hidayatul Hakkiatul Lutpi . Handri Dian Wahyudi Hari Wahyono Haris, Iyus Akhmad Helmi Abidin Heri Pratikto I GUSTI AYU SUDEWI . I KADEK MULIASTAWAN . I Kadek Rai Suwena I Kadek Yogi Setiawan . I Kadek Yogi Setiawan ., I Kadek Yogi Setiawan I Ketut Yadnyana I Komang Sudarma I Made Candiasa I Made Indrawan I Made Suryana I Made Tegeh I Made Yudi Premana I NENGAH SANTOSA . I Nyoman Bagus Pramartha I Nyoman Suarsana I Nyoman Sujana I Nyoman Widhi Adnyana I Wayan Ardika I Wayan Edi Gunawan . I WAYAN MUDAYANTA . I Wayan Sukra Warpala I Wayan Suwendra Imam Buchori Imania, Ekklesia Isnaini, Arif Iva Khoiril Mala Iva Khoril Mala Iyus Akhmad Haris Josafat Gracia Ginting Julia Afria Kadek Agus Suarmawan . Kadek Agus Suarmawan ., Kadek Agus Suarmawan Kadek Yudi Saputra . Kadek Yudi Saputra ., Kadek Yudi Saputra Kd. Derina Sariyanti . Ketut Agustini KETUT WIDISILA . Khusnia, Rif’atul KURNIAWAN, RIVALDO Laksono Trisnantoro Lohana Juariyah Luh Retiantari Dewi . Lulup Endah Tripalupi M Luthfi Alif Utama M. Rudi Irwansyah M.Erg. Drs. I Ketut Dunia . M.Pd. Drs. I Made Nuridja . Made Ary Meitriana, S.Pd. . MADE GIRI PAWANA . Marcelliantika, Adinda Martha, Jefry Aulia Meitriana, Made Ary Mirna Shofa Hesti Mita Suprayatni . Mohammad Hari Mohammad Hari Mohammad Hari, Mohammad Murwani , F. Danardana NEVIATY PUTRI ZAMANI Ni Kadek Duri Listya Dewi Ni Luh Ayu Sugiantini . Ni Luh Diani . Ni Luh Eka Suryani . Ni Luh Eka Suryani ., Ni Luh Eka Suryani Ni Made Nanik Sugianti . Ni Nyoman Parwati Ni Putu Eka Sri Widiawahyuni . Ni Putu Eka Sri Widiawahyuni ., Ni Putu Eka Sri Widiawahyuni NI WAYAN SUTARMI . Ningrum, Linda Agustin Nur Qibtiyah Nyoman Dantes Nyoman Trisna Herawati Pratiwi, Titania Putri Puji Handayati Purnomo, Irfan Agung Putu Chori Suryadewi . Putu Eka Darma Jayanti . PUTU LISA KUMALA DEWI . Putu Megayanti Putu Megayanti, Putu Qibtiyah, Nur Rachmad Hidayat Rachmad Hidayat Rachmad Hidayat Rahajeng Cahyaning Putri Cipto Rahmat Hidayat Rayie Tariaranie Wiraguna Rekha Ad'Ha Norvie . Riska Yuliana Riska Yuliana, Riska Rokhman, Afif Nur Rudi, Jupensius Rudi Ruswita Dewi, Ida Ayu Putu Salsabila, Annisa Ayu Sigit Permansah Siti Mariana Ulfa Siti Rochani, Siti Sopiah, Sopiah SUBARONO PRI HARTOYO . Sudarmiatin Sudiarta, I Made Sudiarta, I Made Sufi, Lintang Sunariyadi Sunariyadi Surya, Eka Putri Sutresni, Ni Luh Suwendra, Wayan Titis Shinta Dhewi, Titis Tri Rahayu . Tri Sugiarti Ramadhan Tsabita Khwarazmita W, Rayie Tarianie Wayan Mudana Wayan Suwendra Winatha, Komang Redy Wisma Miftahur Rozi Yandi, Andri Yohanes, I Nyoman