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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Enrichment : Journal of Management Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Indonesian Journal of Engagement, Community Services, Empowerment and Development (IJECSED) Indonesian Collaboration Journal of Community Services (ICJCS) Golden Ratio of Community Services and Dedication JURNAL EKONOMI, BISNIS DAN TERAPAN (JESIT) CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Journal of Management and Social Sciences Prosiding Seminar Nasional Manajemen dan Ekonomi Madani: Multidisciplinary Scientific Journal Jurnal Riset Manajemen dan Ekonomi Jurnal Riset Akuntansi Jurnal Riset Ekonomi dan Akuntansi Jurnal Kabar Masyarakat Jurnal Informasi Pengabdian Masyarakat OIKONOMIA: Journal of Economics and Management Science Jurnal Pengabdian Kepada Masyarakat Master Manajemen Moneter : Jurnal Ekonomi dan Keuangan Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat Panggung Kebaikan : Jurnal Pengabdian Sosial Svarga Pena: Jurnal Pengabdian Kepada Masyarakat ALKHIDMAH: Jurnal Pengabdian dan Kemitraan Masyarakat
Yohanis Lotong Ta'dung
Ekonomi, Universitas Kristen Indonesia Toraja
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Physics Public Health Social Sciences Transportation Other

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Lifestyle and Financial Literacy: Determining Factors of Consumptive Behaviour Among Students Receiving KIP Scholarships in the Management Study Programme at UKI Toraja Dwibin Kannapadang; Yohanis Lotong Ta’dung
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.8455

Abstract

Consumptive behaviour is a tendency for individuals to purchase or consume goods and services excessively, without considering their actual needs, and often influenced by emotional, social, or trend factors. This study aims to analyse the influence of lifestyle and financial literacy on the consumptive behaviour of students receiving KIP scholarships in the management study programme at UKI Toraja. Sixty-five respondents were selected using proportional random sampling, consisting of four cohorts from 2021 to 2024. Hypothesis testing was conducted using Multiple Regression Analysis with the Statistical Package for the Social Sciences (SPSS) version 26 software tool. The results showed that, partially, lifestyle had a positive and significant effect on consumptive behaviour, while financial literacy had a negative and significant effect on consumptive behaviour. Simultaneously, lifestyle and financial literacy influenced consumptive behaviour. The coefficient of determination R-squared value of 0.524 indicates that the variable of consumptive behaviour of KIP scholarship recipients in the UKI Toraja management study programme is determined by lifestyle and financial literacy by 52.4%, while the remaining 47.6% is determined by factors other than the independent variables in this study.
Co-Authors Ade Lisa Matasik Adewidar Marano Pata'dungan Agustinus Mantong Alfonsius Atok Nahak Alfonso Cornelius Althon K. Pongtuluran Ayu Prastika Benedikta Olga Pauta Biringkanae, Astriwati Chrismesi Pagiu Dandi Saputra Devianti Limbong Dhea Toding Pasak Dian Intan Tangkeallo Dina Ramba' Dwibin Kannapadang Edianus Edianus Elisabet Pali Enjelin Kondorura Erna Karangan Esra Tandira’ba Friscilia Filadelvia Grace Sriati Mengga Ichin Rante Allo Isak Pasulu Jemi Pabisangan Tahirs Jens Batara Marewa Lipa Banne Lisa Kurniasari Wibisono Ludia Sini Marinus Ronal Marinus Ronal Maylti Rante Pala Mercyliani Rerung Mince Batara Olivia Devi Yulian Pompeng Randi Tangdialla Selin Bessoran Palulun Srisetyawani Bandaso Stefani Marina Palimbong Trevi Claudia Lestari Vivi Gloria Anggreini Westerini Lusdani Willy Yavet Tandirerung Wilma Dian Ardiyanti Winta Panimba Yonaldes Qreistamara Sarunan Putra Yuni Anggriani