El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam

Determinan Perilaku Impulsive Buying pada Mahasiswa Penerima Kip-K dalam Perspektif Ekonomi Syariah

Rahmat Hidayatulloh (Universitas Pelita Bangsa)
Listian Indriyani Achmad (Universitas Pelita Bangsa)
Sukron Mamun (Universitas Pelita Bangsa)
Yudianto Achmad (Universitas Pelita Bangsa)



Article Info

Publish Date
05 Apr 2026

Abstract

This study aims to examine the effect of Living Cost Assistance and Peer Conformity on Impulsive Buying behavior among KIP-K scholarship recipients in the Sharia Economics Study Program at Universitas Pelita Bangsa, within the perspective of Islamic economics. This research employed a quantitative approach using a survey method through questionnaires distributed to 65 respondents selected using the Slovin formula. Data were analyzed using multiple linear regression with SPSS. The results indicate that Living Cost Assistance has a positive and significant effect on Impulsive Buying (t = 3.031; p = 0.004), and Peer Conformity also has a positive and significant effect (t = 13.699; p = 0.000). Simultaneously, both variables significantly influence Impulsive Buying (F = 111.631; p = 0.000), with a coefficient of determination (R²) of 0.783. From the perspective of Islamic economics, these findings suggest that financial availability and social pressure may encourage consumption beyond essential needs if not accompanied by self-control and prudent financial management. Therefore, strengthening financial literacy based on the principles of tawazun (balance), qana’ah (contentment), and mas’uliyah (responsibility) is essential in managing living cost assistance.

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Journal Info

Abbrev

elmal

Publisher

Subject

Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Description

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam mempublikasi hasil riset dan kajian terkini bidang ekonomi, keuangan, manajemen dan bisnis Islam. Mulai 2011, jurnal ini terbit tiga kali setahun setiap Maret, Juli dan November. Jurnal ini dikelola oleh Pusat Riset dan Kajian Strategis (PRKS) Masyarakat ...