<![CDATA[Studi ini bertujuan untuk menguji dampak dari literasi keuangan syariah serta pengendalian diri (self-control) terhadap tren perilaku konsumtif di kalangan mahasiswa Universitas Muhammadiyah Sumatera Utara (UMSU). Dengan menerapkan metode kuantitatif, pengolahan data dari para responden dilakukan berbasis Structural Equation Modeling - Partial Least Squares (SEM-PLS) menggunakan perangkat lunak SmartPLS 4. Temuan riset ini mengungkapkan bahwa baik pemahaman finansial syariah maupun kemampuan mengendalikan diri rupanya tidak berdampak nyata terhadap kebiasaan belanja mahasiswa. Lebih lanjut, perolehan koefisien determinasi (R-square) pada angka 8,9% menegaskan bahwa gaya hidup konsumtif tersebut secara dominan didorong oleh berbagai variabel di luar model, seperti paparan media sosial, pengaruh sirkel pertemanan, serta praktisnya transaksi e-commerce. This study aims to examine the impact of Islamic financial literacy and self-control on consumptive behavior trends among students of the University of Muhammadiyah North Sumatra (UMSU). By applying a quantitative method, data processing from the respondents was carried out based on Structural Equation Modeling - Partial Least Squares (SEM-PLS) using SmartPLS 4 software. The findings of this research reveal that neither sharia financial understanding nor the ability to control oneself apparently have a real impact on students' spending habits. Furthermore, the acquisition of the determination coefficient (R-square) at 8.9% confirms that the consumptive lifestyle is dominantly driven by various variables outside the model, such as social media exposure, the influence of the circle of friends, and the practicality of e-commerce transactions.]]>
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