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Journal : MANAZHIM

The Influence of Electronic Payment Usage, Lifestyle, and Financial Literacy on the Consumptive Behavior of Santri: A Case Study at PPSM Thohir Yasin, East Lombok Triwibowo, Bambang; Yusup, Muhamad; Mulhimmah, Baiq Ratna
MANAZHIM Vol 7 No 2 (2025): AUGUST
Publisher : Manajemen Pendidikan Islam STIT Palapa Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36088/manazhim.v7i2.5774

Abstract

Islamic boarding schools (pesantren), as traditional centers of Islamic education, are increasingly confronted with the challenges posed by modernization, particularly in the domain of financial technology. In response, PPSM Thohir Yasin implemented an electronic payment system utilizing smart card technology through its affiliated business unit, Thohir Yasin Mart. This study aimed to examine the influence of electronic payment, lifestyle, and financial literacy on the consumptive behavior of Madrasah Aliyah (MA) students at PPSM Thohir Yasin. Employing a quantitative research design with a cross-sectional survey method, data were collected from 300 students selected through stratified purposive sampling based on class level, gender, and residential status. Structured, closed-ended questionnaires were disseminated online during the pesantren’s Ramadan holiday in 2025. Data analysis was conducted using SPSS version 25, incorporating validity and reliability testing, classical assumption checks, and multiple linear regression analysis. The results indicated that electronic payment exerted a negative and significant influence on consumptive behavior (t = -8.760; p < 0.001), lifestyle demonstrated a positive and significant impact (t = 5.719; p < 0.001), while financial literacy had a positive but statistically non-significant effect (t = 1.682; p = 0.094). Collectively, the three variables significantly influenced consumptive behavior (p < 0.001), explaining 29.8% of the variance (R² = 0.298). The study concludes that lifestyle is the most influential factor driving students’ consumptive behavior, whereas financial literacy does not yet exert a substantial effect. These findings underscore the need for pesantren-based policies that promote responsible electronic transactions and strengthen financial education in alignment with Islamic values.
Co-Authors A. Setiawan A. Suhandi Abbas, Diego Abidin Pasaribu, Abidin Achmad Samsudin Adimayuda, Rizal Adnan, Haidar Bustomi Adyatama, Rendhika Afifah, Rufnia Ayu Agung Rizky Ahmad Alwi Nurudin Ahmad Asroni Ahmad Munawar Ahmad Yadi Fauzi Alwiyah Alwiyah Amallia, Naila Amarto, Usman Amarulloh Amarulloh Amin Solihin, Amin Aminudin, Adam Hadiana Ana Nurmaliana Andrew Tirta Andri Saepudin Anggy Giri Prawiyogi Anita Bawaiqki Wandanaya Ankur Singh Bist Anwar, Aang Solahudin Anwar, Muhammad Rehan Apertha, Fanny Khairul Putri Apit Fathurohman Ari Asmawati ariq, Muhammad faris Ary Budi Warsito Ary Budi Warsito Ary Budi Warsito Ary Budi Warsito Ary Budi Warsito, Ary Budi Aspuri, Muhamad Astuti, Eka Dian Augury El Rayeb Aulia Edliyanti Ayi Rakhmat Ramdani Azahrah, Tiara Azuddin, Muna Bachtiar Bachtiar Baiq Ratna Mulhimmah Bambang Triwibowo Basuki, Sucipto Bhupesh Rawat Bimastari, Inda Hasanah Binar Kurnia Prahani budiarty, frizca Ceria Marcelina Chandra, Ratna Dwi Costu, Bayram Damayanti, Fitria Siska Danny Manongga Devi, Lakshmi Dewi Listiani Sukamto Dewi, Yessica Chrisna Diah Aryani Diah Aryani Diah Aryani Diah Aryani, Diah Dimas Prastama Julianto Edwards, John Eko Prasetiyani Eko Prasetiyani Eliando Erham Budi Wiranto Erlita Rasdiana Erni Astuti Euis Siti Nur Aisyah, Euis Siti Nur FACHROZI. F Fadilah, Jasmine Fahreza, Aulianda Zahrina Faizin, Mohammad Noor Faradila, Alya Fidrian Millen Prayogi Firmanul Catur Wibowo Fitria Siska damayanti Fratiwi, Nuzulira Janeusse Fredy Susanto Garcia, Alessandro Daeli Giandari Maulani, Giandari Hamdi Akhsan Hani Dewi Ariessanti Hani Dewi Arriesanti Haratua, Chandra Sagul Harianja, M Rokhati Haris - Harlis Setiyowati Hatami, Alifa Syauqi Henderi . Hera Novia Hidayatullah, Baeti Sarif Ida Kaniawati Ifran Sanni Ika Lestari, Ika Ilamsyah - Ilamsyah Ilamsyah Ilamsyah Ilamsyah, Ilamsyah Irawan, Muhammad Zhudy Irenta Irwan Sembiring Irwandani Irwandani Ismet Jaka Suwita Kamal, ⁠Abdullah Arif Khairunnas, Siti Khoirul Rodzikin Kistiono Kistiono Kistiono Krisandi Aprilyanto Kurniaji, Ridwan Kurniasari, Reni Oktavia Kurniasih Kurniasih Kurniawan, Rano Kusuma, Luqman Hafidz Kusumaningrum, Sekar Ayu Wijaya Laurentius Andriyanto Leni Marlina Lilik Agustin Listiyorini Listiyorini, Listiyorini Mahdayeni, Mahdayeni Mahmudulhasan Maimunah, Ira Mardiana Mardiana Marviola Hardini Marzani, Marzani Masrifah, Masrifah Maulana Yusuf Maulana Yusuf Maulana, Sabda Melinia, Sela Meri Mayang Sari Miftakhul Khasanah Millah, Shofiyul Moh. Iqbal Awi Makaram Mohamad Syarif Sumantri Muh. Salahuddin, Muh. Muhammad Faisal Muhammad Nurtanto N.Y. Rustaman Nadiya Nasution, Erni Juliana Al Hasanah Nidhi Mehra Ninda Lutfiani Ninu Apriyani Nofia Supriyani Novmewi, Yusuf Nuke Puji Lestari Santoso Nur Azizah Nurbani, Siti Zachro Nurlaila Suci Rahayu Rais NURUL AZIZAH Oleh Soleh, Oleh Padeli Padeli Pertiwi, Komala Dwi Po Abas Sunarya Pokkali, Krishna Chaitanya Pongky Arie Wijaya Priyadi, Agung Purnomo, Yunianto Qurotul Aini Rahman, Nor Farahwahidah Abdul Ramadhan, Rezki Ramadita, Salsabil Fardha Ramli, Ahmad Rani Lestari Reza Dani Pramudya Riswan Jaenudin Rivai Sungkowo Rizky Kurniawan Roma Ito, Yulia Romadi Romadi Ronal Aprianto Rosdiana Rosdiana Rosyid, Adhe Muhammad Rosyifa Rosyifa Saepudin, Andri Sairi, Muhammad Salampessy, Randi B.S Sanurdi Sanurdi Sardianto Markos Siahaan Sardianto Markos Siahaan, Sardianto Markos Sari, Meri Mayang Sayuti, Mohammad Sekar Ayu Aryani Shalahuddin, Shalahuddin Shofiyul Millah Siahaan, Kelvin Sihotang, Sondang Visiana Sinta Puspita Dewi Siti Fauziah Siti Rochmani SRI RAHAYU Sri Wahyani, Sri Sri Yulianto Joko Prasetyo Sugiarto, Gerry Suhaepi, Muhamad Iip Suhendi Suhendi Sukmawati, Eva Sunengsih, Meriyana Supriyati . Supriyatman, Supriyatman Suratmi Suryari Purnama Susan Oktaviani Susanto Rahardja Sutarman, Asep Sutarto Wijono Syamsiar, Syamsiar Syamsul Arifin Syauqi Naufal, Romzi Takrim, Muhammad Taqwa Hariguna Taqwa Hariguna Tarisya Ramadhan Theopillus J. H. Wellem Turki Salim Untung Rahardja Uzma, Wishnu Waston Wibowo, Shesilia Widya, Adi Rusdi Wijil Nugroho Yeni, Alfitri Yulia Putri Ayu Sanjaya Yuliani, Opie Oktavia Yulianto Yulianto Yulika Ayu Rantama Yunita Kartika Sari Yusuf Abdurachman Zebua, Selamat Zulkardi