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Journal : Majapahit Journal of Islamic Finance and Management

The Effect of Sharia Funds, E-Commerce, Online Financing, and Hedonism Lifestyle on Consumptive Behavior (Survey on SRB Mitra Agro Usaha Customers) Novita, Dian; Sisdianto, Ersi; Selviana, Mia
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 3 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i3.510

Abstract

Consumptive behavior is an act of consumption that is carried out excessively and tends to be irrational, which can affect the financial condition of customers and the stability of bank financing. This study aims to analyze the consumptive behavior of customers at SRB Mitra Agro Usaha and the factors that influence it. The research method used is quantitative research method with structural equation model (SEM). The type of data used is the primary data in the form of questionnaires. The population in this study is the customer of SRB Mitra Agro Usaha. Sampling technique in this study using purposive sampling with the number of respondents as many as 100 respondents. The results of this study showed that Islamic funds have a negative and significant effect on customer consumptive behavior seen from the path coefficient value -0.187, t-statistic value 2.757 > t table 1.98 and p-value 0.006 < 0.05. E-commerce has a positive and significant effect on customer consumptive behavior seen from the path coefficient value of 0.483 t-statistic 5.444 > t table 1.98 and p-value 0.000 < 0.05. Online financing has a positive and significant effect on the customer's consumptive behavior seen from the path coefficient value of 0.285 t-statistic 3.317 > t table 1.98 and p-value 0.001 < 0.05 Hedonism lifestyle has a significant positive effect on the customer's consumptive behavior seen from the coefficient value of 0.358 t-statistic 3.881 > t table 1.98 and p-value 0.000 < 0.05. It can be concluded that Sharia funds have a negative and significant effect on consumptive behavior, while e-commerce, online financing, hedonism lifestyle have a positive and significant effect on customer consumptive behavior.
Co-Authors - Yastori, - Abidin, Muhammad Syahrul Achmad, Fettum Agustina, Sheila Ahmad Junaidi AIMATUS SOLIKHAH, SINTYA aini, rafika Aji, Aji Al Fauzain, Al Fauzain Al-Mu’tashima, Nadhifa Maisun Alfauzain Alifina, Vienna Rahmi Almira, Sabrina Angeli Alya Aqilah Zahra Amalia, Risa ANDI TANRI PRASETYO, MUHAMMAD Anie Eka Kusumastuti, Anie Eka Annisa, Mutia Ardhana, Ivan Ashif Argianti, Radella Ariyadi, Firman Asih, Findiyani Ernawati Assidik, Fajrin Astuti, Lin Suciani Astuti, Nunik Sri Widia Aswin Fitriansyah, Aswin Athifashabir, Muhammad Reza AULIYA, RIMA Awwaludin, Faiz Rizky Nur Bagas, Satrio Bahrul Ulum Basir, Rizki Rizkyatul Bawono, Arum Belia Basuki, Berlian Bertha Yonata Bestari, Errina Candra Bindiya, Aisyah Budiman, Dicky Chandrawati, Titi Damayanti, Vivi Danu Devasyah, Mochammad Delfi, Refni Dilna, Sema G. Djatmiko, Tedjo Dony Darma Sagita DWI YULIANTI, PIPIT Effendi, Dwiky Ahmad Eko Setiawan Elanda, Natasha Ersi Sisdianto ESTI KURNIAWATI MAHARDIKA, ESTI KURNIAWATI FAHMI RIDLO, MUHAMMAD Fahmi, Rafif Zul FARAH RAMADHANTI, ZELIKA Fareza, Alvio Rifqy Fauziah, Fatimah Millenia Febbyarti, Lingga Lukita FEBRIAN, ANGGA Febriana Sari, Hilmalia Febriyanti, Virda Fika Megawati Firdaus, Muhamad Rayhan Fitri, Aznila Fitria, Yanti Gunawan, Syahrul Guntur Trimulyono Hadibyono, Luluk Hamdi, M. Sukron Hamka, Afsari Handam Dewi, Siti Handayani, Maidiana Astuti Handayuni, Linda Harahap, Ilham Pradana Putra Hazairin Nadia, Laode Muhamad HERMAINI, Budi Hermawati, Eli Hidayat Andyanto I GUST MADE SANJAYA Iriany JM Seno Adjie Johanes Johanes, Johanes kadar, muhammad gafur Kadarko, Wahyuni Kader, Shaola Syafrullah Kartikawati, Etty Khumaira, Nurul Fitri Kuswantoro, Avinda Virnadya La Ode Huli Leonard, Devid Lia Febria Lina Lina, Lia Febria Liza Nurrahma Dwi Agustin Luluk, Hadiqotul Lusmaniar, Lusmaniar Luthfiyah, Siti Mawaddah Maria Monica SBW Maryansari, Aulita Mauludiah, cindy Megiati, Yunita Endra Missdiani, Missdiani Moh. Yamin Mohd. Winario Muchammad Saifuddin MUCHLIS Muchlis Muchlis Muchtiar, Mulyadi Muhamad Arif Mahdiannur MUHAMMAD AKBAR, HENGKI Muhammad Rivai Mukti Amini MURTI VINANDARI, SANNY Muslikh Muslikh Naimah, Kholifatul Nisa', Varradiah Choirun Noor Komari Pratiwi, Noor Komari NUR AINI, DEBY Nurtini, Nurtini Nurul Amalia Nuryantoro, Nunung Nyoman, Desak Octavia, Sri Devi Oksilia Oksilia palete, siprianus Permatasari, Berlintina Piliana, Wa Ode PRADANA PUTRA HARAHAP, ILHAM Pramitasari, Muktia Prasasti, Tirangga Lutfi Puji Lestari, Fibria Anggraini Puspitasari, Misehelia Kartika Putra, Deni Maisa Putri, Nindina Julita Putri, Robertha Febriana Putri, Wulan Dwi Rahcmadhaniar, Reta Nareswari Rahinawati, Yuti Rahma Putri, Citra Destya Rahmah, Dewi Leyla ramadanti, awanda halida ramadanti Ramdani, Denita Rachma Ratna Dewi Puspita Sari Rian Adi Pamungkas, Rian Adi Riska Wulandari, Riska Risnawati, Erna Rita Nurmalina RIZKIHATI PRASTIKA, FRISSA Rizqullah, Aflah Farchan Rooselyna Ekawati Rosdanelli Hasibuan RUDIANTO ARTIONO, RUDIANTO Saabighoot, Yus Alvar Salsa Sabrina Fajar Maulidiah Salsabila, Nasywa Sari, Rahmania Fitrah Sa’bin, Nur Ro’in Ni’matus Selviana, Elfa Selviana, Mia Setiawan, Rama Setiyawan, Andre Setyorini, Meyla Dewi Sharifah, Ferly Sifak Indana Sigit Purnomo Simin, Desmalia Maulana SIREGAR, DINA KHAIRUNA Siti Aisyah Siti Tjahjani Sitti Zubaydah, Wa Ode Sri Tatminingsih Sri Wahyuni Srimayarti, Berly Nisa St. Junaeda Suarni, Lisa Subaidi, Faizatunnisa Suharno Suharno Sutisna, Didi SUYONO Syamsuddin, Taufik Toruan, Nathanael Hasudungan Lumban Tri Laksono, Muhamad Bagus TRIMAYANTO, SIGIT Ulfah, St. Maria Ummah, Dinda Khoirul Ummah, Nisa’a Mufidatul Uswatun Hasanah Van Nguyen, Tuan Vidya Mandarani Vivi Aulia Wahyu Taufiq Wantonoro Wantonoro, Wantonoro Wardani, Rizka Safira Wasis Wasis WATI, WIDYO Widhi, Ernayanti Nur Wilmasari, Titin Winartiasih, Winartiasih Windhi, Ernayanti Nur Wisandra, Ade Wiyati, Arni Wulandari, Septian Wulansari, Rifda Yenni, Ririn Afrima Yuli Astutik Yulia Fitriani, Yulia Yustanti, Ike YUSWANTO TRI ANANDA, YOSEP Zainuri Zainuri, Zainuri ZUAMAK FAHAS, AHMAD