EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis
Vol 13 No 4 (2025): Oktober

Self Control As Mediator Of Financial Literacy, E-Money, And Lifestyle Towards Consumptive Behavior In Students In Sintang

Abirama, Dhafa Alvin Suhendra (Unknown)
Hudzaifah, Yasir (Unknown)
Susilo, Joko (Unknown)



Article Info

Publish Date
10 Oct 2025

Abstract

This research aims to examine the role of self-control as a mediator in the influence of financial literacy, e-money usage, and lifestyle on the consumptive behavior of students in Sintang. High consumptive behavior among students is often influenced by low financial literacy, increased e-money usage, and a consumptive lifestyle that has developed in the digital era. This research method uses a quantitative approach with data collection through questionnaires distributed to students in Sintang. and then analyzed using the Structural Equation Modeling (SEM) technique based on Partial Least Square (SmartPLS). The research results show that financial literacy has a positive and significant impact on students' consumptive behavior. Lifestyle has a positive and significant effect on self-control, but does not have a significant effect on consumptive behavior. Meanwhile, e-money does not have a significant effect on self-control. Additionally, self-control does not have a significant effect on the consumptive behavior of students. This study also found that there is no significant mediating effect of self-control between financial literacy, lifestyle, and e-money on consumptive behavior. These findings imply that efforts to control students' consumptive behavior require additional strategies beyond merely enhancing self-control.

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Journal Info

Abbrev

ER

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Other

Description

Ekombis Review: Jurnal Ilmiah Ekonomi dan Bisnis is a peer-reviewed journal. Ekombis invites academics and researchers who do original research in the fields of economics, management, and ...