JES (Jurnal Ekonomi Syariah
Vol. 11 No. 1 (2026): Maret

Pengaruh Pemahaman Ekonomi Islam, Literasi Keuangan Syariah dan Kecerdasan Emosional Terhadap Perilaku Konsumtif

Elvina Triya Rahmahnusiya (Universitas Islam Negeri Fatmawati Sukarno Bengkulu)
Herlina Yustati (Universitas Islam Negeri Fatmawati Sukarno Bengkulu)
Citra Liza (Universitas Islam Negeri Fatmawati Sukarno Bengkulu)



Article Info

Publish Date
31 Mar 2026

Abstract

This study aims to analyze the influence of Islamic economic understanding, Islamic financial literacy, and emotional intelligence on the consumer behavior of Islamic Economics students in Bengkulu City. The method used was a quantitative approach with a causal associative research approach. Data analysis was conducted through validity and reliability tests, classical assumption tests, and multiple linear regression analysis. Hypothesis testing used t-tests, F-tests, and coefficients of determination using SPSS 27 software. The sample size in this study was 95 respondents, with data collected through a Likert-based questionnaire. The results showed that Islamic economic understanding, Islamic financial literacy, and intelligence had a negative and significant effect on consumer behavior. Simultaneously, the three independent variables significantly influenced consumer behavior, contributing 49.6% (R' = 0.496), while the remaining influence was attributed to factors outside the research model.

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Journal Info

Abbrev

jes

Publisher

Subject

Economics, Econometrics & Finance

Description

The subject covers textual and fieldwork studies with various perspectives of Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic economic thoughts, Islamic human resource management, Islamic ...