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All Journal Jurnal Manajemen Terapan dan Keuangan JAAKFE UNTAN ( (Jurnal Audit Dan Akuntansi Fakultas Ekonomi Universitas Tanjungpura) Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Bisnis dan Manajemen Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura I-ECONOMICS: A Research Journal on Islamic Economics EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Afkar, Journal For Islamic Studies SEIKO : Journal of Management & Business At-Tawassuth: Jurnal Ekonomi Islam MALIA Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Journal on Education JOURNAL OF APPLIED BUSINESS ADMINISTRATION JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) JURNAL MANAJEMEN BISNIS JESI (Jurnal Ekonomi Syariah Indonesia) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Account : Jurnal Akuntansi, Keuangan dan Perbankan Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Proaksi Jurnal Pendidikan dan Konseling SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Dinasti International Journal of Education Management and Social Science Tasharruf: Journal Economics and Business of Islam Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management AL-FALAH : Journal of Islamic Economics INTELEKTIVA Journal La Sociale Indonesian Journal of Business and Management Jurnal Investasi Islam El-Mujtama: Jurnal Pengabdian Masyarakat JURNAL MANAJEMEN AKUNTANSI (JUMSI) International Journal of Trends in Accounting Research JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Riset Ilmu Ekonomi Kontigensi: Jurnal Ilmiah Manajemen Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam EKSYA: Jurnal Ekonomi Syariah EKONOMIKA45 Journal of Management and Business Jurnal Cakrawala Ilmiah Jurnal Ilmiah Mahasiswa Raushan Fikr MES Management Journal CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Mumtaz : Jurnal Ekonomi dan Bisnis Islam Jurnal Trisna Riset Expensive: Jurnal Akuntansi dan Keuangan Populer: Jurnal Penelitian Mahasiswa Jurnal ekonomi Manajemen dan Bisnis (JUBIS) Indonesian Journal of Islamic Economics and Finance Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Journal of Islamic Economics Lariba Transformasi: Journal of Economics and Business Management Jurnal Publikasi Ilmu Manajemen Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Jurnal Ekonomi Islam Paradoks : Jurnal Ilmu Ekonomi Jurnal Ekonomi Manajemen Akuntansi Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Ekonomi dan Akuntansi Research Horizon International Journal of Trends in Accounting Research Journal of Economics and Management Scienties International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Socius: Social Sciences Research Journal Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah IIJSE Neraca Manajemen, Akuntansi, dan Ekonomi Majapahit Journal of Islamic Finance dan Management Journal Economic Excellence Ibnu Sina Santri : Jurnal Ekonomi dan Keuangan Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Majapahit Journal of Islamic Finance dan Management Natural: Jurnal Pelaksanaan Pengabdian Bergerak Bersama Masyarakat JER Social Sciences Journal Danadyaksa: Post Modern Economy Journal ManBiz: Journal of Management and Business Jurnal Insan Pengabdian Indonesia Ulil Albab JIEP: Jurnal Ilmu Ekonomi dan Pembangunan JHSS (Journal of Humanities and Social Studies) Jurnal Ekonomi dan Bisnis Islam Academia Open Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Edueksos: Journal Pendidikan Sosial dan Ekonomi Journal of Nusantara Economy Optimal: Jurnal Ekonomi dan Manajemen
Nursantri Yanti
Universitas Islam Negeri Sumatera Utara
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Journal : academia open

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Social Media and Lifestyle Shape Student Purchasing Patterns Erma Hotnijar Siregar; Marliyah Marliyah; Nursantri Yanti
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11070

Abstract

General Background: Rising access to information and digital platforms has transformed consumption habits among youth, particularly students. Specific Background: Overseas students often face unique financial and social adjustments, making them susceptible to excessive spending. Knowledge Gap: While prior studies have discussed general student consumption, few have focused on overseas students and the role of peer influence, lifestyle, and social media combined. Aims: This study investigates the relationship between social media use, peer relationships, and lifestyle with the consumptive behavior of overseas students at UIN Sumatera Utara. Results: Using a quantitative approach and data from 75 respondents, the findings show that social media and lifestyle are positively and significantly associated with consumptive behavior, while peer influence is not statistically significant. Novelty: This study contributes by centering on migrant students in a developing country context, highlighting that lifestyle choices and media exposure override peer pressure in shaping spending habits. Implications: These results suggest that interventions aiming to reduce excessive consumption among overseas students should prioritize media literacy and financial awareness over peer-group regulation.Highlights: 1. Lifestyle is the strongest predictor of excessive student spending. 2. Peer influence does not significantly drive consumptive behavior. 3. Social media exposure correlates with increased purchase frequency. Keywords: social media, lifestyle, student behavior, consumption, overseas students
Student Savings Decisions Based on Sharia Compliance and Banking Factors: Keputusan Tabungan Mahasiswa Berdasarkan Kepatuhan Syariah dan Faktor Perbankan Ditia Azzahra Aswin Tanjung; Muhammad Ikhsan Harahap; Nursantri Yanti
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11739

Abstract

General Background: Islamic banking has grown significantly in Indonesia, particularly among students seeking Sharia-compliant financial services. Specific Background: Bank Sumut Syariah, as a regional Islamic bank, serves UINSU students whose preferences are influenced by religious and practical factors. Knowledge Gap: While many studies focus on national Islamic banks, limited research explores student behavior toward local Sharia banks like Bank Sumut Syariah. Aims: This study aims to identify and analyze the dominant factors affecting UINSU students’ decisions to save at Bank Sumut Syariah. Results: Using a sample of 100 students and multiple regression analysis, the findings show that Sharia compliance, security, trust, and facilities significantly affect savings decisions, with Sharia compliance being the most influential (B = 0.312). The model explains 60.2% of the variation in saving behavior (Adjusted R² = 0.602), and the research instrument is highly reliable (Cronbach’s Alpha = 0.931). Novelty: This research uniquely integrates four key variables into a localized behavioral model specific to a regional Islamic bank and student demographic. Implications: The results provide strategic insights for Islamic banks to prioritize Sharia integrity and responsive digital services to foster loyalty and align financial practices with students' religious and lifestyle values.Highlight : Sharia compliance is the most influential factor in students’ saving behavior. Security, trust, and facilities also have significant roles. The model explains 60.2% of the decision variation using four key variables. Keywords : Sharia Compliance, Security, Trust, Facilities, Saving Decision
Co-Authors Ade Fahdiya Syakhilah Ade Vitria Adelia Azizi Adinda Arafah Afrian Andika Yumna Afwan Hafizh Ahmad Amin Dalimunthe Ahmad Day Robi Ahmad Rama Wijaya Ahmad Syakir Ahmad Syakir Ajeng Manjana Aldino, Imam Alicia, Febi Amelia, Anika Ananda Ibnu Sobri Hsb Andri Soemitra Angga Lesmana Angga Putra Suhadi Angga Putra Suhadi Anggraini, Bunga Anisa Madani Nasution Anisya Putri Syam Sinambela Annio Indah Lestari Nasution Annio Indah Lestari Nasution Aqashah, Faisal Arafah, Adinda Arifin Fauzi Lubis Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arya Farhan Asmuni Asshifa Nazila Aridzki Atika Atika Atika Atika Suri Atika Suri Azhri Akmal Tarigan Batubara, Soraya Alyya Syam Bi Rahmani, Nur Ahmadi Budi Harianto Budi Prianto Bunga Anggraini Dara Puspita Dedek Joefanny Della Puspita Sari Dendi Dwi Ritonga Desi Rahmawati Supraja Dhea Dinanty Dhea Ruwanda Dimas Azhari Dina Aulia Dinda Amalia Ditia Azzahra Aswin Tanjung Dwi Erlanda Anggara Dwi Septialamsyah Efendi, Bunga Artha Nefia Elsa, Nazwa Alpuja Erlina Erlina Erma Hotnijar Siregar Erna Sipahutar Etika Manda Sari Rangkuti Fachry Abda El Rahman Fadila, Shintiya Fadilla Khairunnisya Siregar Fadillah Syafitri Februari, Budi Filda, Muhammad Amrozi Friska Fauziah Umardhi Hafidah Ayu Kusnadi Hana Salsabila Hani, Zulfa Hastiani Nasution Hendra Harmain Hotmaida Hotmaida Hsb, Sarmania Hutabarat, Nadya Namora Ian Alfian Ibnu Syawali Manurung Iin Prasetyo Ilhami Nasution, Muhammad lathief Imsar, Imsar Indah Wahyuni Indradewa, Rhian Juliana Nasution Juliana Nasution Juwairiazizah Rasta K, Kamilah Kamila K Kamilah, Kamilah Khairina, Nabila KHOIRUNNISA PASARIBU Lailanur Fadillah Nasution Larah, Anggi Dwi Laylan Syafina Lesmana, Angga Leswara, Malda Davitha Lisa Chintiya Tambunan Lubis, Herlina Lubis, Nursakilah Lubis, Nurul Amaliyah M Arif Haikal Lubis M. Ikhsan Harahap M. Ikhsan Harahap M.Ramzy Fernada Maidalena, Maidalena Malda Davitha Leswara Manurung, Ibnu Syawali Manurung, Khoirul Ardani Marliyah Marliyah Marliyah Marliyah Marliyah Marliyah, Marliyah Marliyah, Marliyah Maryam Batubara Maryam Batubara Maryam Batubara Medeni, Desi Chintiara Melisa Lubis Miftahul Jannah Hasibuan Muhammad Andre Wardhana Muhammad Anwar Muhammad Arif Muhammad Arif Muhammad Arif Haikal Lubis Muhammad Da’i Arham Muhammad Farhan Muhammad Fauzan Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Ikhsan Harahap Muhammad Lathief Ilhammy Nasution Muhammad Lathief Ilhamy Nasution Muhammad Lathief Ilhamy Nasution Muhammad Naufal, Muhammad Muhammad Ramadhan Muhammad Syahbudi muhammad Syahbudi, muhammad Muhammad Zieo Addefrid Putra Mustafa Khamal Rokan Nabilah Irwani Nadia Nadia Nadya Ervina Nadya Namora Hutabarat Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Fathia Zuhra Nasution, Juliana Nasution, Muhammad Lathief Ilhammy Nasution, Sakinah Jahrani Nasution, Zulhasby Assidqy Natasya, Adelia Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nuraini Nuraini Nurbaiti Nurbaiti, Nurbaiti Nurhayani Nurhayani Nurhikmah Berasa Nuri Aslami Nurlaila Nurlaila Nurul Inayah Nurul Inayah Nurul Inayah Nurul Jannah Nurul Jannah Nurul Wahidah Nurwani Nurwani Nurwani, Ahmad Dahrul Dalimunthe Ok Agam Admar Ongku Indramora Siregar Pakpahan, Jiyad Faqih Pulungan, Silviani Purba, Febri Andriawan Puspa, Chairunnisa Dian Putri Dini Agustin Putri, Dinda Karunia Putri, Riri Dwita Rafika Afifah Angkat Rafli, Mhd Rahmad Syah Rizal Rahmatul Fadilah Rahmi Syahriza Rahmi Syahriza Rahmi Syahriza, Rahmi Reni Dwijaya RENI TANIA PURBA Reni Yusnita Ridayanti Ridayanti Riduan Hamid Lubis Risma Warti Ritonga, Aprilia Amanda Ritonga, Lilis Suryani Sahri Aramiko Said Dariadi Ramadhan Saidah Khairiyah Hasibuan Salma Indriani Salman Al-faridzi Saparuddin Siregar Saparuddin Siregar Selendion Tarigan Shabira, Yusra Sherin Aulia Putri Shinta Aprilia Sitinjak Shintiya Fadila Silalahi, Purnama Ramadani Silvia Anggrie Nst Silvia Fransiska Simanjuntak, Indah Siregar, Atika Siti Hot Nita Hasibuan Siti Hot Nita Hasibuan Siti Rohani Siti Zumara Sri Mutia Fazira Sri Ramadhani sri sudiarti Sri Sudiarti Sri Sudiarti Sri Sudiarti Sri Sudiarti Suhairi Suhairi Sulistya Ningsih, Inten Susi Apriliani Syakir, Ahmad Syarifah Hanum Tumangger Tiwi Bastari Batubara Tri Inda Fadhila Rahma Tri Suci Irawan Trisnawati Tuti Anggraini Tuti Anggraini Vania Sally Nabila Wa Ode Jeslin Wahyu Syarvina Waizul Qarni Wicaksana Dwi Prasetiyo Wili Dani Anwar Soleh Siregar Winda Irmayani Sijabat Windy Puspita Yenni Samri Juliati Nasution Yenni Samri Juliati Nasution Yuhda, Ahmad Sabili Yuliana Yuliana Yusra Amelia Hsb Zalfa Nazwa Fakhira Zuhrinal M Nawawi Zulfa Khoiriah Zulfahani Zulfahri Salim