PENGARUH LITERASI KEUANGAN SYARIAH, GAYA HIDUP HEDONISME, DAN PINJAMAN ONLINE TERHADAP PERILAKU KONSUMTIF GEN Z KOTA BANDAR LAMPUNG

Muhammad, Tri Ferdiansyah (2026) PENGARUH LITERASI KEUANGAN SYARIAH, GAYA HIDUP HEDONISME, DAN PINJAMAN ONLINE TERHADAP PERILAKU KONSUMTIF GEN Z KOTA BANDAR LAMPUNG. Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRACT This study examines the influence of Islamic financial literacy, hedonistic lifestyle, and online loans on the consumptive behavior of Generation Z in Bandar Lampung City. The background of the problem stems from Gen Z's high consumptive tendencies due to digital exposure, low Islamic financial literacy, and easy access to online loans that trigger impulsive purchases. This research aims to analyze the simultaneous and partial influence of these three variables on consumptive behavior and examine consumptive behavior from an Islamic economic perspective. The research method employs a quantitative approach with purposive and accidental sampling techniques involving 100 Gen Z respondents aged 17-24 years. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS 26. The results indicate that simultaneously, Islamic financial literacy, hedonistic lifestyle, and online loans significantly influence consumptive behavior F=11.953. Partially, hedonistic lifestyle t=5.131 and online loans t=3.002 have significant positive effects, while Islamic financial literacy t=-1.039 has no significant effect. The Adjusted R² value of 0.249 indicates that the three variables explain 24.9% of the variation in consumptive2 behavior. From an Islamic economic perspective, Gen Z's consumptive behavior should be directed toward proportional, halal consumption while avoiding israf and tabdzir in accordance with sharia principles ABSTRAK Penelitian ini mengkaji pengaruh literasi keuangan syariah, gaya hidup hedonisme, dan pinjaman online terhadap perilaku konsumtif Generasi Z di Kota Bandar Lampung. Latar belakang masalah berawal dari tingginya kecenderungan konsumtif Gen Z akibat paparan digital, rendahnya literasi keuangan syariah, dan kemudahan akses pinjaman online yang memicu pembelian impulsif. Penelitian ini bertujuan menganalisis pengaruh ketiga variabel tersebut secara simultan maupun parsial terhadap perilaku konsumtif serta mengkaji perilaku konsumtif dalam perspektif ekonomi Islam. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik purposive dan accidental sampling terhadap 100 responden Gen Z berusia 17-24 tahun. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi linear berganda dengan SPSS 26. Hasil penelitian menunjukkan bahwa secara simultan, literasi keuangan syariah, gaya hidup hedonisme, dan pinjaman online berpengaruh signifikan terhadap perilaku konsumtif F=11,953. Secara parsial, gaya hidup hedonisme t=5,131 dan pinjaman online t=3,002 berpengaruh positif signifikan, sedangkan literasi keuangan syariah t=-1,039 tidak berpengaruh signifikan. Nilai Adjusted R² sebesar 0,249 menunjukkan ketiga variabel menjelaskan 24,9% variasi perilaku konsumtif. Dalam perspektif ekonomi Islam, perilaku konsumtif Gen Z perlu diarahkan pada konsumsi yang proporsional, halal, dan menghindari israf serta tabdzir sesuai prinsip syariah.

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