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All Journal MIQOT: Jurnal Ilmu-ilmu Keislaman Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam JURNAL PENDIDIKAN TAMBUSAI Sketsa Bisnis EKONOMIKA SYARIAH : Journal of Economic Studies Al Hurriyah : Jurnal Hukum Islam Publica: Jurnal Pemikiran Administrasi Negara Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah jurnal syntax admiration Jurnal Kajian dan Pengembangan Umat Al-Sharf: Jurnal Ekonomi Islam JURNAL ILMIAH GLOBAL EDUCATION INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Journal of Islamic Economics, Management, and Business (JIEMB) Legal Protection for the Partnership Agreement Parties Islam Realitas: Journal of Islamic and Social Studies EKONOMIKA SYARIAH : Journal of Economic Studies ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Proceedings of The International Conference on Business and Economics Journal of Artificial Intelligence and Digital Business Indonesian Research Journal on Education Journal of Management Accounting, Tax and Production Adpebi Science Series COSMOS Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah JPS (Jurnal Perbankan Syariah) Journal of Visionary Sharia Economy (JOVISHE) Jurnal Ragam Pengabdian Risalah Iqtisadiyah: Journal of Sharia Economics Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Iiz Izmuddin
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
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Journal : Sketsa Bisnis

 1 
Between Lifestyle and Financial Responsibility: The Moderating Effect of Financial Imprudence in Islamic Higher Education Contexts Perdana, Indri; Iiz Izmuddin
SKeTsa Bisnis (e-jurnal) Vol 12 No 1 (2025): Sketsa Bisnis
Publisher : Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/jsb.v12i01.6366

Abstract

Introduction: This study aims to examine the influence of lifestyle on personal financial management, with financial imprudence serving as a moderating variable. The focus is on students at Islamic State Higher Education Institutions (PTKIN) in West Sumatra, where increasing consumer behavior raises concerns about financial discipline among young adults. Method: A quantitative survey method was employed, with data collected through a Likert-scale questionnaire distributed via Google Forms. The population consisted of PTKIN students in West Sumatra. A total of 288 responses were collected, with 271 valid after data screening. Sampling was conducted using the Rao Purba formula. Data were analyzed using the Warp Partial Least Squares method through WarpPLS 7.0 software. Result: Findings indicate that lifestyle has a positive and significant effect on personal financial management (p-value = 0.056 < 0.05). Additionally, financial imprudence moderates the relationship between lifestyle and financial management, as evidenced by an interaction coefficient of 0.080. While the moderating effect is statistically significant, it is relatively small in magnitude.Conclusion: Lifestyle significantly shapes how individuals manage their personal finances. A more balanced lifestyle tends to support better financial practices. Furthermore, financial imprudence—as a reflection of excessive or wasteful spending—can either strengthen or diminish this relationship, suggesting its critical yet nuanced role in financial behavior dynamics.
Co-Authors Afri Tia Deftiana Aidil Alfin Al-Amin Al-Amin, Al-Amin Alfin, Aidil Amelia, Tisa Amsah Hendri Doni Andriawan, Andriawan Anggi Setya Prayoga Anne Putri Asyari Asyari Asyari Asyari Asyari Asyari Asyari Asyari Asyari, Asyari Awaluddin Awaluddin Awaluddin Awaluddin Basir, Gusril Benediktus Rolando Darlis, Rusyaida Denata, Betria Deria, Monica Desi Derlan, Selfiah Deswandi, Amelia Putri Efendi, Diah Ayu Sri Wanda Eli Febriani Elvi Nasriandani Euis Amalia Fahmi Sulaiman Farid Muttaqin, Farid Febri Rahmita Febriani, Ridha Fauzana And Winda Ferdi Prayoga Fikri, Devisa Amalia Fofi Hanifa Seftiani Guraida, Guraida Guspita, Dinda Ayu Gusril Bashir Gusril Basir Hadi Subeno Hardiansyah Padli Hasrat Tiana Putri Hesi Eka Puteri Hidayatul Arief Illahi, Ilham Indri Perdana Irvan Nanda Joni, Yefri Khairunnisa, Zuliana Kiki Razroma Yantika Loso Judijanto Maisaroh Maisaroh Meisy Melani Meisy Melani Mesis Rawati Mita Mita Mohamad Abdun Nasir Nanda, Irvan Nurafni Sofya Nurfalah Nurfalah Nursya’diah Nursya’diah Nurul Nasriah Nurvina Hidayati Oktavia, Delvi Pendi Hasibuan Perdana, Indri PRABOWO, RIZKI Purwaningsih, Selvi Rahayu Ningsih Rahma Detik Kuriningsih Rahma Detik Kurningsih Rahmat Rahmat Ramadani, Uci Rezkina Hayati Rianti, Mila Rika Widianita Rina Anggraini Rini Elvira Rohman, Ahmad Fadlu Rusyaida Rusyaida Rusyaida Rusyaida Rusyaida Rusyaida Rusyaida, Rusyaida Safira, Fadilla Sari, Oktri Lola Sesnawati, Pitri Vewi Julita Wewis Gilang Sari Widi Nugraha Widia Sukra Yenty Astari Dewi Yerna Wiza Yolanda, Stevia Yuwarman Mansur Zulkarnaen Zulkarnaen Zuwardi Zuwardi ZUWARDI, ZUWARDI