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All Journal YUME : Journal of Management Jurnal Pengabdian Multidisiplin Balanca : Jurnal Ekonomi dan Bisnis Islam Golden Ratio of Data in Summary Economics and Business Journal Moneta: Jurnal Manajemen & Keuangan Syariah
Trian Fisman Adisaputra
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Health Professions Public Health Social Sciences Other

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The Influence Of Lifestyle And Self-Control On The Consumptive Behavior Of Shopee Paylater Users In Context of Shariah Accounting Principles Ramli, Sri Muliyani; Rezki Fani; Andi Bahri S; Trian Fisman Adisaputra
Economics and Business Journal (ECBIS) Vol. 4 No. 3 (2026): March
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v4i3.325

Abstract

This study is motivated by the rapid development of digital financial services, particularly Shopee PayLater, which has the potential to increase consumerist behaviour among students. This phenomenon requires examination not only from economic and psychological perspectives, but also from the perspective of Islamic accounting, which emphasises balance and control over consumption. This study aims to analyse the influence of lifestyle and self-control on the consumer behaviour of Shopee PayLater users and to test the role of Islamic accounting principles as a moderating variable. This study employs a quantitative approach. Data were collected via a Likert-scale questionnaire distributed to students and analysed using Partial Least Squares-based Structural Equation Modelling (SEM-PLS) with the SmartPLS application version 4.1.1.6. The results indicate that lifestyle has a positive and significant influence on consumer behaviour, whilst self-control does not have a significant influence. Sharia accounting principles have a direct and significant influence on consumptive behaviour, but are unable to moderate the relationship between lifestyle or self-control and consumptive behaviour. These findings suggest that consumer behaviour is influenced more by external factors such as lifestyle and the convenience of digital services than by internal factors within the individual, and indicate that Sharia values have not yet been fully integrated into everyday life.
Co-Authors A. Kartini Sari Putri Agriyaningsih, Putri Agung Sutrisno Ai, Aisyah Andi Bahri S Andi Faisal Anugrah, Mahamad Azhar Asriadi Arifin Adi Azzahra, Aqmalia Beby Hamsar Dian Anugrah Dian Novianti Fahiratul Husna Fakhruddin Kurnia Hasrianti Herawati Rustan Husna Mardiyah Ian Tubangsa Imma, Nurhalima Amri Inna, Mutmainna Irmayanti Muchtar Kurniati Hamid Mariam, Mariam Makmur Mariska, Lisa Misdar, Misdar Muh. Akram Iswan Muhammad Alim Fasieh Muhammad Alwi Muhammad Taufiq Musmulyadi Musmulyadi Mutiara Nasir Nabila Husaini Nurarsy, Mutiara Nurfadhilah, Nurfadhilah Nurfadilah Qafifah Nurmiati Nurul Fadillah Nurul Huda ramli, sri muliyani Rezki Fani Sugiarti Suherwin Syam, Sarina Widya Waty Dwi Yusril Nurdin