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All Journal SEIKO : Journal of Management & Business Jurnal Sibermas (Sinergi Pemberdayaan Masyarakat) Jurnal Manajemen dan Organisasi Review (MANOR) Oikos - Nomos : Jurnal Kajian Ekonomi dan Bisnis Jurnal Abdimas Kartika Wijayakusuma Joong-Ki : Jurnal Pengabdian Masyarakat JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Economic Reviews Journal Jurnal Pengabdian Mandiri Journal of International Conference Proceedings Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Mopolayio : Jurnal Pengabdian Ekonomi Majapahit Journal of Islamic Finance dan Management PEDAMAS (Pengabdian Kepada Masyarakat) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Joong-Ki Majapahit Journal of Islamic Finance dan Management Celebes Journal of Community Services Joong-Ki eJEBA
Dewi Indrayani Hamin
Universitas Negeri Gorontalo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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Journal : Journal of International Conference Proceedings

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Fear of Missing Out (FoMO) and Student Consumer Behavior: Financial Inclusion or Digital Debt Trap? Hamin, Dewi Indrayani; Podungge, Robiyati
Journal of International Conference Proceedings Vol 8, No 1 (2025): 2025 ICPM Malaysia Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v8i1.3945

Abstract

This study investigates the effects of psychological and cognitive factors such as Fear of Missing Out (FoMO), financial literacy, self-control, and digital financial risk awareness on the consumer behavior of Indonesian university students. A quantitative method was used, applying Structural Equation Modeling with Partial Least Squares (SEM PLS), based on data collected from 450 students at Universitas Negeri Gorontalo who use digital financial services. The results show that FoMO does not significantly influence consumer behavior (p = 0.985), while self-control and financial literacy are stronger predictors of spending patterns. Additionally, the use of digital financial services is negatively associated with impulsive buying (p = 0.002, ? = -0.1323), indicating that these platforms may support better financial management. Rather than falling into a digital debt trap, students appear to experience financial inclusion when supported by adequate financial knowledge and strong self-regulation. The findings suggest that improving financial literacy alone is insufficient. Educational initiatives should also incorporate behavioral strategies such as emotional regulation and awareness of digital financial risks to encourage responsible financial behavior among digitally active youth.
Co-Authors Abdullah, Alfian Adam, Moh. Nasrul Arief Setiawan Adam, Nia Karunia Afifah, Nikma Nur Ahmad, Ratna Asnawi, Melan Angriani Ayantri Biloa Cristian Polamolo Dungga, Meriyana Fransisca Dungga, Meryana Francisca Fatmawati U. Hadji Hais Dama Hapsawati Taan Haseng, Aldiyanto Hasim Hasim Ibrahim, Rini Saputri Indri Gaib Isa, Ramlan Amir Lanto Miriatin Amali Livia Botutihe MARYAM YASIN Mohamad Isra Makmur Mohamad, Fajar Muslim Nilawaty Jusuf Nur’ain Manoppo Paramata, Sri Sindi Raflin Hinelo Rahma Mohi Rezkiawan Tantawi Rizan Machmud Robiyati Podungge Rumopa, Olivia S Selvi Selvi Srie Isnawaty Pakaya Trizaning Nursahbani Abdussamad Vidyan Kadir Yayu Isyana D. Pongoliu Zainal Abidin Umar