The Influence of Sharia Financial Literacy, Religiosity, Social Environment, E-commerce, Mobile Banking and Online Loans on Consumptive Behavior in Gen Z

Faizal Amir*  -  University of Trunojoyo Madura, Indonesia
Elfira Maya Adiba  -  University of Trunojoyo Madura, Indonesia
Dzikrulloh Dzikrulloh  -  University of Trunojoyo Madura, Indonesia
Aulia Nur Fadillah  -  University of Trunojoyo Madura, Indonesia
Happy Febrina Hariyani  -  Coventry University, United Kingdom

(*) Corresponding Author
DOI : 10.32678/ijei.v15i2.907
This study aims to determine the effect of Islamic financial literacy, religiosity, social environment, e-commerce, mobile banking, and online loans on consumer behavior in Gen Z. This study uses a quantitative approach with a data collection method in the form of a questionnaire via Google Form and distributing research questionnaires to 120 Gen Z respondents who use e-commerce and Mobile banking services. The data were analyzed using a multiple linear regression model using SPSS 25 software to test the effect of each independent variable (Islamic financial literacy, religiosity, social environment, e-commerce, mobile banking and online loans) on consumer behavior in Gen Z. The results showed that Islamic financial literacy had a negative and insignificant effect on consumer behavior in Gen Z, while the social environment, e-commerce, and online loans had a positive and significant effect on consumer behavior in Gen Z. Religiosity and Mobile banking had a positive and insignificant effect on consumer behavior in Gen Z.

Keywords : Financial Literacy, Social Environmental Religiosity, E-commerce, Mobile Banking, Online Loans, Consumptive Behavior

  1. Amaliyah & Judiyanto, dkk. 2025. Manajemen Keuangan Teori Dan Praktik Dalam Mencapai Financial Freedom. Edited by Sepriano & Efitra. PT. Son Pedia Publishing Indonesia. https://www.google.co.id/books/edition/Manajemen_Keuangan_Teori_dan_Praktik_dal/d3Q-EQAAQBAJ?hl=id&gbpv=1&dq=indikator+literasi+keuangan+syariah&pg=PA113&printsec=frontcover.
  2. Az-Zahra, Farah Variesta, and Bambang Waluyo. 2023. “Pengaruh E-commerce, Pendapatan, Dan Gaya Hidup Terhadap Perilaku Konsumtif Masyarakat Kabupaten Bogor (Tinjauan Ekonomi Islam).†Seminar Nasional Akuntansi Dan … 3.
  3. Badaruddin, and Risma. 2021. “Pengaruh Fitur Layanan Dan Kemudahan Terhadap Minat Menggunakan Mobile banking (Studi Pada Masyarakat Desa Rantau Rasau Kecamatan Berbak) The Influence Of Service Feature And Ease Of Use On Interest Of Using Mobile banking (Study on the Village Community .†Telanaipura Jambi 1 (1): 36122.
  4. Balaka, Muh Yani. 2022. Metode Penelitian Kuantitatif. Metodologi Penelitian Pendidikan Kualitatif. Widina Bhakti Persada Bandung.
  5. Bintang lazuardi Benteng Buana Muslim, dkk. 2024. Literasi Keuangan: Wawasan, Perilaku Dan Strategi Mengelola Keuangan. Edited by Syifa Nurhaliza. PT. Star Digital Publishing. https://www.google.co.id/books/edition/Literasi_Keuangan/SDpcEQAAQBAJ?hl=id&gbpv=1&dq=pengaruh+lingkungan+sosial+terhadap+perilaku+konsumtif&pg=PA28&printsec=frontcover.
  6. Darma Budi. 2021. Statistika Penelitian Menggunakan SPSS. GUEPEDIA.
  7. Dianti, Yira. 2017. “Pengaruh E-commerce Shopee Dan Keputusan Pembelian Terhadap Perilaku Konsumtif Masyarakat Desa Rejo Agung Kecamatan Tegineneng.†Angewandte Chemie International Edition, 6(11), 951–952., 5–24.
  8. Febianti, Yopi Nisa, Umaroh Umaroh, and Rusdiyana. 2023. “Pengaruh Kepemilikan Aplikasi Mobile banking Dan Kondisi Ekonomi Orang Tua Terhadap Perilaku Konsumtif Di Kalangan Mahasiswa Fkip Ugj Cirebon.†Edunomic Jurnal Pendidikan Ekonomi 11 (1): 82–90. https://doi.org/10.33603/ejpe.v11i1.24.
  9. Fitriana, Riki, and Umar Chadhiq. 2022. “Pengaruh E-commerce Dan Kualitas Produk Terhadap Keputusan Pembelian Melalui Kepuasan Konsumen Sebagai Variabel Intervening.†AKSES: Jurnal Ekonomi Dan Bisnis 17 (1): 86–96. https://doi.org/10.31942/akses.v17i1.6514.
  10. Harahap, Ferdiansyah, and Rahmat Ramadhani. 2024. “Tinjauan Hukum Relaksasi Kredit Bagi Debitur Pada Pinjaman Online†6 (4): 12240–50.
  11. Herlina, Risa. 2022. “Pengaruh E- Commerce Shopee Terhadap Perilaku Konsumtif Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam.†Ad Diwan 2 (1): 35–42. https://doi.org/10.51192/ad.v2i1.393.
  12. Indonesia, Ikatan Bankir. 2014. Mengelola Kualitas Perbankan. Edited by Ikatan Bankir Indonesia. PT. Gramedia Pustaka Utama. https://www.google.co.id/books/edition/Mengelola_Kualitas_Layanan_Perbankan/LKJLDwAAQBAJ?hl=id&gbpv=1&dq=mobile+banking+adalah&pg=PA115&printsec=frontcover.
  13. Maliki, Deananda Cahyani. 2023. “Pengaruh Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa Iain Manado.â€
  14. Mulindra, Azizah Bestari, and Lita Ariani. 2023. “Pengaruh Konformitas Teman Sebaya Terhadap Perilaku Konsumtif Pada Remaja The Effect of Peer Conformity on Consumptive Behavior in Adolescents.†Jurnal Penelitian Pendidikan, Psikologi Dan Kesehatan 4 (2): 54–60.
  15. Oftia, Iyet. 2023. “Pengaruh Lingkungan Sosial Dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa Program Studi Pendidikan Ekonomi Angkatan 2019 Universitas Jambi.†Nucl. Phys. 13 (1): 104–16.
  16. Oktaviani, Mayella, Indah Purnama Sari, and Zaeni Miftah. 2023. “Pengaruh E-commerce Dan Financial Technology Terhadap Perilaku Konsumtif Mahasiswa.†JABE (Journal of Applied Business and Economic) 9 (3): 281. https://doi.org/10.30998/jabe.v9i3.16620.
  17. Otoritas Jasa Keuangan. 2023. “Peraturan Otoritas Jasa Keuangan Republik Indonesia No. 3 Tahun 2023 Tentang Peningkatan Literasi Dan Inklusi Keuangan Di Sektor Jasa Keuangan Bagi Konsumen Dan Masyarakat Indonesia.†Peraturan Otoritas Jasa Keuangan 53 (9): 3–5.
  18. Pambayun, Afia Mutiara. 2017. “Perilaku Konsumtif Atlet.†Jom Fmipa, 15.
  19. Pasien, Pada, and Hipertensi Studi. 2024. “3 1,2,3†4 (1): 2020–25.
  20. Prajogo, Uke, and Rusno Rusno. 2023. “Analisis Moderasi Inklusi Keuangan Pada Pengaruh Platform Terhadap Minat Penggunaan Pinjaman Online.†MBR (Management and Business Review) 7 (1): 133–41. https://doi.org/10.21067/mbr.v7i1.8546.
  21. Purwanti, Eka Putri, Tri Almunawaroh, and Yogi Nurfauzi. 2024. “Pengaruh Penggunaan Mobile banking Dan E-commerce Terhadap Perilaku Konsumtif Mahasiswa Stkip Majenang Tahun 2023 Pengaruh Penggunaan Mobile banking Dan E-commerce Terhadap Perilaku Konsumtif Mahasiswa STKIP Majenang Tahun 2023 PENDAHULUAN Manusia , Salah†2 (2).
  22. Purwanza, Sena Wahyu, Wardhana Aditya, Mufidah Ainul, Reny Renggo Yuniarti, Kabubu Hudang Adrianus, Setiawan Jan, Darwin, et al. 2022. Metodologi Penelitian Kuantitatif, Kualitatif, Dan Kombinasi. Media Sains Indonesia.
  23. Rahmawati, Seli, Gimin, and Supentri. 2023. “Pengaruh Lingkungan Sosial Terhadap Motivasi Belajar Siswa Kelas X Pada Mata Pelajaran PPKN Di SMAN 1 Kuantan Hilir Seberang.†JISHUM : Jurnal Ilmu Sosial Dan Humaniora 1 (3): 499–512. https://doi.org/10.57248/jishum.v1i3.82.
  24. Rahmi, Aulia, Erissa Nilasari, and Abdul Gafur. 2024. “Penggunaan Media Sosial Tik Tok, Dompet Digital, Dan Literasi Keuangan Syariah Terhadap Perilaku Konsumtif Berbelanja Online Pada Generasi Z Di Kota Banjarmasin.†Al-Ujrah … 2 (February): 4–6. https://jurnal.staidarululumkandangan.ac.id/index.php/alujrah/article/view/289%0Ahttps://jurnal.staidarululumkandangan.ac.id/index.php/alujrah/article/download/289/182.
  25. Rika Widianita, Dkk. 2023. “Literasi Keuangan, Penggunaan E-Money, Kntrol Diri, Dan Gaya Hidup Terhadap Perilaku Konsumtif Belanja Online.†AT-TAWASSUTH: Jurnal Ekonomi Islam VIII (I): 1–19.
  26. Rizka Noor Hasela, SH. 2020. “Lemahnya Perlindungan Nasabah Pinjaman Online.†JDIH Kabupaten Tanah Laut. 2020.
  27. Shinta, Dkk. 2022. Pengantar Ekonomi Digital. Edited by Abdurrahman & Ali. Selat Media Patners. https://www.google.co.id/books/edition/Pengantar_Ekonomi_Digital/yE0KEQAAQBAJ?hl=id&gbpv=1&dq=kemudahan+e-commerce+terhadap+perilaku+konsumtif&pg=PA151&printsec=frontcover.
  28. Siti Nurjanah, Yosia Dian Purnama Windrayadi. 2023. “Pengaruh Lingkungan Sosial Dan Penggunaan E-Wallet Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Unirow Tuban†8 (2): 926–35.
  29. Sofyan, Ida Zakiah. 2020. “Pengaruh Literasi Keuangan Syariah Dan Gaya Hidup Terhadap Perilaku Konsumtif,†no. July, 1–23.
  30. Sulistiyowati, Wiwik. 2017. “Buku Ajar Statistika Dasar.†Buku Ajar Statistika Dasar 14 (1): 15–31. https://doi.org/10.21070/2017/978-979-3401-73-7.

ISLAMICONOMIC: Jurnal Ekonomi Islam
Published by Departement of Islamic Economics, UIN Sultan Maulana Hasanuddin Banten - Indonesia

Main Building of Faculty of Islamic Economics and Business, UIN Sultan Maulana Hasanuddin Banten, Jenderal Sudirman Street, No. 30 Serang 42188 Banten Indonesia
Phone: +62 81511475475
Website: https://journal.islamiconomic.or.id/
Email: asep.dadan@uinbanten.ac.id

ISSN: 2085-3696 (Print)
ISSN: 2541-4127 (Online)

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License

Get a feed by atom here, RRS2 here and OAI Links here

apps