The Effect of Islamic Financial Literacy, Financial Behavior, and Lifestyle on Impulsive Buying Behavior with Self Control as a Mediating Variable in Generation Z

Fariski Septiansa; Rifa'atul Maftuhah; Tiara Anindya Virana

doi:10.17977/um042v30i1p%p

The Effect of Islamic Financial Literacy, Financial Behavior, and Lifestyle on Impulsive Buying Behavior with Self Control as a Mediating Variable in Generation Z

Fariski Septiansa, Rifa'atul Maftuhah, Tiara Anindya Virana

Abstract

This study aims to examine the influence of Islamic financial literacy, the influence of Islamic financial literacy, financial behavior, and lifestyle on impulsive buying behavior with self-control as a mediating variable in generation Z, with self-control as a mediating variable. The method used is a quantitative approach with the Partial Least Square Structural Equation Modeling (PLS-SEM) technique through the SmartPLS 4.0 application. Data was collected from 250 students of the Sharia Banking, Management, and Accounting Study Program at the University of Muhammadiyah Surabaya. The results of the study show that self-control has a significant effect on financial behavior. However, Islamic financial literacy, financial behavior, and lifestyle do not have a significant effect on impulse buying behavior, either directly or indirectly through self-control. In addition, the entire mediation pathway through self-control is also insignificant. However, Islamic financial literacy shows the direction of a negative relationship with impulsive behavior. The R-square value shows that the model is able to explain 96% of variance in financial behavior, but only 5.4% for impulse buying behavior. These findings emphasize that Generation Z's consumptive behavior is more influenced by emotional and digital factors, so a more contextual, interactive, and appropriate Islamic financial education strategy is needed.

Full Text:

PDF

References

(OJK), O. J. K., & Badan Pusat Statistik. (2024). Survei Nasional litrasi dan inklusi keuangan (SNLIK). Sustainability (Switzerland), 11(1), 1–14. http://scioteca.caf.com/bitstream/handle/123456789/1091/RED2017-Eng-8ene.pdf?sequence=12&isAllowed=y%0Ahttp://dx.doi.org/10.1016/j.regsciurbeco.2008.06.005%0Ahttps://www.researchgate.net/publication/305320484_SISTEM_PEMBETUNGAN_TERPUSAT_STRATEGI_MELESTARI

Alifka Alya Zhafirah, Hasan, M., Inanna, Ratna, & Judijanto, L. (2023). Pengaruh Literasi Ekonomi, Media Iklan, dan Kontrol Diri Terhadap Perilaku Pembelian Impulsif pada Generasi Z di Kota Makassar. Journal of Economic Education and Entrepreneurship Studies, 4(2), 619–642. https://doi.org/10.26858/je3s.v4i2.1179

Anindita, N., Sukmaningrum, P. S., & Rusmita, S. A. (2024). Impact of Islamic Financial Literacy , Money Attitude , and Social Environment on Young Muslim Couples ’ Financial Planning. 05(03), 449–462.

Arif, M. (2019). Riba, gharar dan maisir dalam ekonomi islam. Repositry : UIN Alauddin Makassar, 1–14. http://repositori.uin-alauddin.ac.id/15699/1/Muhammad Arif_Sebelum Revisi.pdf

Budiono, A. (2017). Penerapan Prinsip Syariah Pada Lembaga Keuangan Syariah. Law and Justice, 2(1), 54–65. https://doi.org/10.23917/laj.v2i1.4337

Buzz. (2023). Gen Z dan Tantangan dalam Keuangan. Https://Kumparan.Com/. https://kumparan.com/pengetahuan-umum/gen-z-dan-tantangan-dalam-keuangan-21lzOWScZcS/full?utm_source=chatgpt.com

Delvi Delviana Saragi, & Rahmi, D. (2022). Pengaruh Literasi Keuangan Syariah terhadap Keputusan Mahasiswa S-1 Unisba dalam Menggunakan Produk Bank Syariah. Jurnal Riset Ilmu Ekonomi Dan Bisnis, 87–94. https://doi.org/10.29313/jrieb.vi.1180

FAHRIANI. (2023). Pengaruh Media Sosial dan Gaya Hidup terhadap Perilaku Konsumtif Mahasiswa. Jurnal Ekonomi Dan Bisnis, 6(2), 123–135.

Farid Maulana, Marcelino Rizki Suryanto, Syifa Aulia Khaerunnisa, Wahyu Hidayat, Hadi Peristiwo, & Fitri Fitri. (2024). Pengaruh Literasi Keuangan Syariah Terhadap Pengelolaan Keuangan Pribadi Mahasiswa Febi. Jurnal Pajak Dan Analisis Ekonomi Syariah, 1(3), 168–182. https://doi.org/10.61132/jpaes.v1i3.285

Hair, J. F., Hult, G. T., Ringle, C., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) - Joseph F. Hair, Jr., G. Tomas M. Hult, Christian Ringle, Marko Sarstedt. In Sage.

Hidayat, D., Azril, M., Rafli, M., & Ghazy, A. (2024). Manfaat FinTech Syariah Sebagai Pendorong Literasi dan Inklusi Keuangan Syariah di Indonesia. 02(02), 1145–1154.

Lestari, P. H., Nengsih, T. A., & Siregar, F. A. (2024). Analisis Pengaruh Literasi Keuangan Syariah , Financial Self Efficacy dan Fintech Payment terhadap Manajemen Keuangan Pribadi Mahasiswa ( Studi Kasus Mahasiswa FEBI UIN STS Jambi ) Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi , Indonesia wawasan. 1(3).

Nurmalia, G., Mutiasari Nur Wulan, & Zathu Restie Utamie. (2024). Gaya Hidup Berbasis Digital Dan Perilaku Konsumtif Pada Gen Z Di Bandar Lampung: Keputusan Pembelian Melalui Marketplace Shopee. Jurnal Rekoginisi Ekonomi Islam, 3(01), 22–32. https://doi.org/10.34001/jrei.v3i01.846

Nursjanti, F., Amaliawiati, L., & Utami, E. M. (2023). Peningkatan Literasi Keuangan Syariah Bagi Milenial dan Gen Z di Jawa Barat. Madaniya, 4(1), 54–67. https://madaniya.pustaka.my.id/journals/contents/article/view/345%0Ahttps://madaniya.pustaka.my.id/journals/index.php/contents/article/download/345/234

Oktavini, E., Anwar, R. M., Amelinda, R., & Magdalena, F. C. S. (2024). Analisis dan Dampak Perilaku Keuangan Terhadap Tekanan Finansial Mahasiswa. Jurnal Akuntansi, 19(1), 1–14. https://doi.org/10.37058/jak.v19i1.10279

Prawana, I., Yusri, D., & Sakdiah, K. (2024). Peran Literasi Keuangan Dan Fintech Syariah Dalam Mendorong Inklusi Keuangan Pada Pelaku UMKM. JEKSya Jurnal, 3(1), 285–297.

RAMADHANI, A. (2024). PENGARUH LITERASI KEUANGAN DIGITAL DAN FINANCIAL BEHAVIOR TERHADAP PERILAKU KONSUMTIF BELANJA ONLINE PADA GENERASI Z DI DESA PANANRANG KECAMATAN MATTIRO BULU KABUPATEN PINRANG.

Sa, I., Laily, N., Liyana, E., & Aryani, A. (2025). Perilaku Konsumtif Gen Z di Era Digital : Studi Kasus di Kabupaten Pamekasan. 4(2), 107–118. https://doi.org/10.36420/dawa

Shrestha, A. (2024). Impulsive Buying Behavior in Retailing and Consumer Behavior: A Review. SP Swag: Sudur Pashchim Wisdom of Academic Gentry Journal, 1(1), 35–42. https://doi.org/10.69476/sdpr.2024.v01i01.004

Soliha, I. A. (2023). PENGARUH LITERASI KEUANGAN DAN KONTROL DIRI TERHADAP PERILAKU PENGELOLAAN KEUANGAN PADA GENERASI Z Imaniar. Nucl. Phys., 13(1), 104–116.

Sugiarti, D. (2023). Literasi Keuangan Syariah Generasi Z dan Minatnya pada Perbankan Syariah : Studi Kasus pada Siswa SMK di Jakarta. JIEI : Jurnal Ilmiah Ekonomi Islam, 9(1), 766–772. http://dx.doi.org/10.29040/jiei.v9i1.7991DOI:http://dx.doi.org/10.29040/jiei.v9i1.7991

SYARIAH, D. P. D. R. K. (2019). STRATEGI NASIONAL PENGEMBANGAN MATERI EDUKASI UNTUK PENINGKATAN LITERASI EKONOMI DAN KEUANGAN SYARIAH DI INDONESIA (Y. Ayyash (ed.)). Komite Nasional Keuangan Syariah (KNKS).

Uswatun Chasanah, & Muhammad Mathori. (2021). Impulsive Buying: Kajian Promosi Penjualan, Gaya Hidup, Dan Norma Subyektif Pada Marketplace Di Yogyakarta. JRMSI - Jurnal Riset Manajemen Sains Indonesia, 12(2), 231–255. https://doi.org/10.21009/jrmsi.012.2.03

Wiroso. (2007). Produk perbankan syariah.

Wulandari, N. T., Prihatini, A. E., & Diponegoro, U. (2022). PERILAKU PEMBELIAN IMPULSIF PADA KONSUMEN SHOPEE Pendahuluan. 11(1), 81–91.

DOI: http://dx.doi.org/10.17977/um042v30i1p%25p