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Nurbaiti Nurbaiti
Universitas Islam Negeri Sumatera Utara
Religion Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Transportation Other

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Journal : SENTRALISASI

 1 
The Influence of Financial Attitude, Peer Influence, and Financial Technology on Financial Behavior of QRIS Users Among Students at FEBI UIN North Sumatera M. Rafli Lingga; Nurbaiti Nurbaiti; Purnama Ramadani Silalahi
SENTRALISASI Vol. 15 No. 2 (2026): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i2.5538

Abstract

This study investigates how Financial Attitude, Peer Influence, and Financial Technology impact the financial behavior of students utilizing QRIS within the Faculty of Islamic Economics and Business at UIN North Sumatera. A quantitative approach with a causal research design framework was utilized, incorporating 98 participants chosen using the Slovin formula. Multiple linear regression was applied for data analysis. Data was gathered through questionnaires structured on a Likert scale ranging from 1 to 5. The data processing was performed using SPSS version 27. The results demonstrate that each of the factors Financial Attitude, Peer Influence, and Financial Technology positively and significantly affects Financial Behavior. Furthermore, the combined effect of these three variables on Financial Behavior is significant. This finding shows that although QRIS facilitates transactions, students financial behavior is still influenced by their financial attitudes and social environment. Therefore, it is necessary to enhance financial awareness and foster positive financial attitudes, as well as encourage the responsible use of financial technology to prevent consumptive behavior in a cashless era. 
Co-Authors Adrian Niken Lubis Ahmad Rezeki Ainun Mardhiah Aisiyah Rahma Alfarizki Jaelani Alinolas Cubaim Harahap Alvia Rahma Alwi Rifa'i Alya Abdul Rahmadhani Amanda Damayanti Nasution Amelia Putri Anastasya Br Ginting Andri Soemitra Angga Dwi Prasetyo Anggia Nurulita Annisa Rahmawita Aqila Fadila Haya Malau Arbarija Hafiz Lbs Ardhia Prameswari Aris Kukuh Prasetyo Arnida Wahyuni Lubis Askur Hamid Nst Asmuni Asmuni Ayu Widyastuti Rafisa Benni Icshanda Rahman Cici Winda Atila Atila Cut Nurul A’la Deby Nofriansyah Denny Permana Siregar Desri Amanda Firdayani Nasution Diah Adhairani Dinda Namira Hsb Dinda Novika Rahmahdhani Dindy Rizka Octavia Eka Fadhila Elda Anzeli Hasibuan Elda Anzeli Hasibuan Elsa Zulfita Elya Rosa Maharani Sembiring Erlangga Hakim Manurung Fadilah Syafitri Rangkuti Fahmi Rizky Fahri Luthfi Hanafiah Fanny Himla Rizqya Pasaribu Feny Feny Fithrah Dwi Ananda Ghilman Rozy Hrp Halimah Safitry Al-Fauziah Harahap, Muhammad Ikhsan Helva Diansyah Putri Ilka Zulfria Imamsyah Imamsyah Imsar Imsar Indah Aryani Indah Wulan Sari Batubara Indriani Suci Jannah, Nurul Juli Syahputri Laila Dwi Ningrum Laylan Syafina Luthfiah Nur Bayani M Aldrian Oktofa M Ihsan Harahap M Raihan M. Ikhsan Harahap M. Rafli Lingga M. Risqi Ananda Marliyah Maulana Abdul Malik Tambunan Mega Hasibuan Mhd Rafli Mila Sastika Minta Ito Lubis Mirza Mahendra Siregar Mohd Haiqal Alif Ramadhani Muhammad Anshari Hutasuhut Muhammad Hasby Muhammad Iqbal Nasution Muhammad Lathief Ilhamy Nasution Muhammad Syahbudi Muhd. Aidil Fitri Muslimatul Husnah Mustapa  Khamal  Rokan Mutiara Rahmah Nabila Tasya Nurhafifah Manurung Nadhrah Al Aflah Nadya Dwinna Putri Nasution, Muhammad Irwan Padli Nia Andriani Niken Rahmadyah Niki Aulia Nikita Lailan Hasibuan Nisa Sri Rahayu Hsb Nova Andani Nur Ahmadi Bi Rahmani Nur Jihan Rokan Nuraini Nuraini Nurhapirah Tasnim Nurul Sandra Maharani Puja Kesuma Purnama Ramadani Silalahi Putri Andini Al-Khoiri Putri Zahra Rahmat Daim Harahap Rahmi Syahriza Razali Razali Refi Mariska Rendi Rizky Trianda Ria Septiana Riau Riski Harahap Rifki Akmal Tanjung Rika Nurmitha Rio Ariangga Riska Amelia Lubis Riska Veronika Riskha Setianingsih Selvira Wardani Tanjung Sinta Sukma Ayu Siti Aisyah Siti Ardianti Siti Fatimah Siti Hansyah Dewi Zai Siti Hazrah Siti Jubaidah Siti Nur Khalizah Siregar Siti Nurhalizah Lubis Sri Adel Febri Aldina Sri Gusti Rezeki Sri Wahyuni Suci Fitria Lb Sugeng Arifandi Banurea Supardi Supardi Surya Darma Tambunan, Khairina Tiara Hasanah Putri Saragih Tri Inda Fadhila Rahma Umi Nur Habibah Utami R.A Padang Vania Sally Nabila wahyu andriansyah Naibaho Wandi Riyaldi Ahmad Telaumbanua Widya Syaputri Yudi Bimantaka Yulia Anggraini Zerimah Afgani Hasibuan