jekis: Determinan Perilaku Konsumtif Pengguna E-Wallet: Analisis Literasi Keuangan Syariah, Gaya Hidup, dan Kontrol Diri pada Masyarakat Kabupaten Bogor

Abstract

This study aims to examine and analyze the influence of Islamic Financial Literacy, Lifestyle, and Self-Control on the Consumptive Behavior of e-wallet users among the productive age population (15–64 years) in Bogor Regency. Utilizing a causal quantitative approach, the sample comprised 100 respondents selected through simple random sampling based on Slovin's formula with a 10% margin of error. Primary data were gathered via structured 1–5 Likert scale questionnaires and analyzed using multiple linear regression techniques. The findings revealed that partially, Islamic financial literacy knowledge had no significant effect on curbing consumptive spending. Conversely, lifestyle orientation had a significant positive effect, serving as the primary catalyst for consumptive behavior. Meanwhile, self-control demonstrated a significant negative effect, functioning as an internal restraint against impulsive transactions. Simultaneously, all three variables exerted a significant combined effect on shaping e-wallet consumptive behavior. This study concludes that digital consumptive spending is heavily driven by lifestyle demands and social prestige, whereas Islamic financial literacy knowledge remains underutilized in daily transactions without disciplined self-regulation.