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Nurbaiti Nurbaiti
Universitas Islam Negeri Sumatera Utara
Religion Arts 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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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 Adil Alfarizi Nasution Adrian Niken Lubis Ahmad Rezeki Ainun Mardhiah Aisiyah Rahma Al farizi Kurniawan Alda Widyana Alfarizki Jaelani Alinolas Cubaim Harahap Alvia Rahma Alvia Rahmah Alwi Rifa'i Alya Abdul Rahmadhani Amanda Damayanti Nasution Amelia Putri Anastasya Br Ginting Andri Soemitra Angga Dwi Prasetyo Anggi Zahara Tarigan Anggia Nurulita Annisa Rahmawita Aqila Fadila Haya Malau Aqwa Naser Daulay Arbarija Hafiz Lbs Ardhia Prameswari Arifin Fauzi Lubis Aris Kukuh Prasetyo Arnida Wahyuni Lubis Askur Hamid Nst Asmuni Asmuni Ayu Widyastuti Rafisa Ayuna Adhari Benni Icshanda Rahman Cici Winda Atila Atila Cut Nurul A’la Dea Cindi Amelia Ginting Deby Nofriansyah 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 Elvina Sari Damayanti 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 Hewa Angriani Saragih Ilka Zulfria Imamsyah Imamsyah Imsar Imsar Indah Aryani Indah Pratiwi Indah Wulan Sari Batubara Indriani Suci Jannah, Nurul Juli Syahputri Khairunnisa Salsabila Laila Dwi Ningrum Laylan Syafina Liska Febrianti Luthfiah Nur Bayani M Aldrian Oktofa M Ihsan Harahap M Raihan M. Ikhsan Harahap M. Rafli Lingga M. Risqi Ananda Malda Davitha Leswara Marliyah Maulana Abdul Malik Tambunan Mega Hasibuan Mhd Rafli Miftahul Husna Hutapea 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 Mulky Alrasi Hutagalung 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 Asy Syifa Priantna Nur Jihan Rokan Nuraini Nuraini Nurhalizah Pasha Nurhapirah Tasnim Nuri Aslami Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Sandra Maharani Padlan Syafrin Azwir 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 Ridho Fachrozie Riezky Bagus Prawira Darwadi 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 Ramadhani 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 Wahyu Syarvina Wandi Riyaldi Ahmad Telaumbanua Widya Syaputri Yeni Inayah Yudi Bimantaka Yulia Anggraini Zerimah Afgani Hasibuan