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Retno Endah Supeni
Universitas Muhammadiyah Jember
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Pengaruh Literasi Keuangan, Gaya Hidup dan Impulsive Buying terhadap Penggunaan Shopee Paylater Mahasiswa Universitas Muhammadiyah Jember Ilsa Lailatul Hikmah; Retno Endah Supeni; Wahyu Eko Setianingsih
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 6 No. 3 (2026): September: OPTIMAL: Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v6i3.11913

Abstract

This study aims to analyze the influence of Islamic financial literacy, lifestyle, and impulsive buying on the use of Shopee PayLater among students at Universitas Muhammadiyah Jember. The rapid development of financial technology, particularly Buy Now Pay Later (BNPL) services, has significantly influenced students' consumption behavior by providing easier access to instant credit and flexible payment options. This research employs a quantitative approach using survey methods with a total sample of 374 respondents selected through proportional random sampling. Data were analyzed using multiple linear regression with SPSS to examine the relationship between the independent variables and the use of Shopee PayLater. The results show that Islamic financial literacy, lifestyle, and impulsive buying have a positive and significant effect on the use of Shopee PayLater. Among these variables, impulsive buying is identified as the most dominant factor influencing usage behavior. The findings indicate that students tend to use PayLater services to fulfill consumptive needs and follow modern lifestyle trends. Therefore, strengthening Islamic financial literacy is essential to encourage students to use PayLater services more wisely, avoid excessive debt, make responsible financial decisions, and manage their finances in accordance with Islamic principles.
Pengaruh Literasi Keuangan, Gaya Hidup dan Kontrol Diri terhadap Perilaku Konsumtif Mahasiswa Universitas Muhammadiyah Jember Lianatus Sholikah; Retno Endah Supeni; Maheni Ika Sari
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 6 No. 3 (2026): September: OPTIMAL: Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v6i3.12526

Abstract

This research is motivated by the phenomenon of information technology development and digital evolution that alter public consumption habits, particularly in the student transition phase which is vulnerable to wasteful lifestyles within the university environment. The objective of this study is to empirically examine the influence of financial literacy, lifestyle, and self-control on the consumptive behavior of students at Universitas Muhammadiyah Jember. The research method used is a quantitative approach with causal associative research type. The target population in this study was 5,638 students with a minimum sample size of 374 respondents determined through the Slovin formula and selected using a proportionate random sampling technique. Primary data were collected via a Likert-scale questionnaire and analyzed using multiple linear regression. The research findings indicate that partially, financial literacy, lifestyle, and self-control each have a significant and positive influence on student consumptive behavior. The coefficient of determination (R2) value shows that the three independent variables simultaneously explain 43.8% of the variation in consumptive behavior, while the remaining 56.2% is explained by other variables outside the model. The implication of this study suggests that good financial understanding and self-control do not necessarily suppress spending, but are rather utilized as strategic capabilities to plan consumption rationally amidst modern lifestyle demands and massive digital transactions. Consequently, students are expected to remain prudent in weighing urgency before transacting to maintain future financial stability.
Co-Authors AA Sudharmawan, AA Achmad Hasan Hafidzi Adyasa, Jery Candra Aghata, Violina Agus Yuliantin Ahmad Fambang Hermawan Ahmad Hanafi Ahmad Hasan Hafidzi Ahmad Izzuddin Ajeng Juni Mudi Tantia Akhmad F. Rozi Akmalia, Atika Firmanda Alfany Andrenata Alizah, Aprilia Ulva Noer Amaliya, Yeni Amelia, Rita Andaru Setiawan Avicenna Ariyanto, Kiki Dwi Aspirandi, Rendy Mirwan Bayu Wijayantini Bayu Wijayantini, Bayu Berliana Wulandari Catur Palupi Dendi Wijaya Diwan Sakharia Efiatul Himmah Eko Budi Satoto Elfiah, Kutsiatun Enggarwati, Rumi Fajar, Evi Triana Nurul Fiki Kurdianto Putra Hafidzi, Ahmad Hasan Hellena Ramadhani Herlambang, Toni Himmah, Efiatul Holiseh Holiseh Holiseh, Holiseh Ika Sari, Maheni Ilsa Lailatul Hikmah Imeilda Intan Syafrilillah Ira Puspitadewi S Izzuddien, Ahmad Izzudin, Ahmad Jekti Rahayu Joko Satrio Ade Pranata Kiki Dwi Ariyanto Laksono Trisnantoro Lianatus Sholikah M. Hamzah Bin Ali Ma'rifah, Nurul Maheni Ika Sari Maheni Ika Sari Maheni Ika Sari Martini, Ni Nyoman Putu Mochamad Tri Aditya Muhammad Efendi Munawaroh, Mayda Madinatul Nadia Sukma Hadi Nawafil, Aulia Nurin Nia Sinta Nuriah Ningtias, Kiki Arista Wahyu Nufan Rahmat Julianto Nur Ira, Nia Dewi Oktavia, Fanda Andini Pramudia Bagas Ananda Fahrezy Pratama, Rizky Anggi Purbo, Achmad Jati Puspitadewi, Ira Putri, Okta Ananda Rayna Rika Ruspita Regita Wira Utami Karsiyanto Reskiputri, Tatid Diansari Revanda Lavelia Pasa Riyanto Setyawan Suharsono Rizki, Miftahur Rozzaid, Yusron Rozzaid, Yusron Rumi Enggarwati Rusdiyanto Rusdiyanto Rusdiyanto, Rusdiyanto Ruspita, Rayna Rika Sabela, Deva Verina Safira, Serli Vebriana Samsuryaningrum, Ira Puspitadewi Sari , Maheni Ika Setianingsih, Wahyu Eko Sofiyatun Sofiyatun Solehah, Nur Ilmiatus Sri Isna Amelia Ahmad Suharto, Akhmad Susbiyani , Arik Susbiyani, Arik Susi Wahyuning Asih Syahier Syahier Syahier Syahier Syahier, Syahier Syahier, Syahier Tegar Laksamana Wahyudi Thamrin, Mohammad Toni Herlambang Toni Herlambang Velialdi Dwi Wardana Violina Aghata Wahyu Agung Saputra Wahyu Eko Setianingsih Wati Cantika Putri, Ayuni Alda Wenny Murtalining Tyas Wibowo, Yohannes Gunawan Widhana, Ghalih Satriya Winahyu, Pawestri Wulandari, Vina Yuliantika Yayah Ikhda Nevia Yoga Fajar Saputra Yusron Rozaid Yusron Rozzaid Yusron Rozzaid