Pengaruh Literasi Keuangan Syariah, Gaya Hidup, dan Fear of Missing Out terhadap Perilaku Konsumtif: Studi Kasus Mahasiswa Fakultas Ekonomi, Pendidikan, dan Hukum Universitas Muhammadiyah Kudus

Abstract

This study aims to analyze the influence of Sharia financial literacy, lifestyle, and Fear of Missing Out (FoMO) on the consumptive behavior of students from the Faculty of Economics, Education, and Law (FEPH). The study employs a quantitative approach with an associative research design. The sample consists of 147 FEPH students selected using purposive sampling. Data were collected via questionnaires and analyzed using multiple linear regression with the aid of SPSS software. The results indicate that Sharia financial literacy has a positive and significant effect on consumptive behavior. Lifestyle and Fear of Missing Out also have positive and significant effects on consumptive behavior. Simultaneously, Sharia financial literacy, lifestyle, and Fear of Missing Out significantly influence the consumptive behavior of FEPH students. These findings demonstrate that all three variables play a crucial role in shaping student consumptive behavior. Therefore, sound financial management, along with the control of lifestyle and FoMO tendencies, is necessary to manage consumptive behavior more wisely.