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Octaria, Deby Febrina; Yenis Alda; Mulyani Istiqomah; Vieronica Varbi Sununianti; Deni Aries Kurniawan +1 more

RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan 2026 Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

This study aims to examine how student lifestyles are represented on Instagram and how these representations can be understood through the concept of hyperreality. The research applies a qualitative approach using a literature review method by analyzing relevant scientific articles published within the last ten years. The findings indicate that Instagram is not only used as a communication medium but also as a space for self-representation. Students tend to upload curated content that highlights selected aspects of their lives, often emphasizing positive and visually appealing experiences. This practice reflects a process of constructing identity in the digital space. Through Jean Baudrillard’s perspective, these representations can be seen as forms of simulation that produce simulacra, where representations no longer directly refer to actual reality. As a result, a condition of hyperreality emerges, in which the boundary between reality and representation becomes increasingly blurred. This situation influences how students interpret social life and interact within digital environments. The study highlights the importance of understanding social media not only as a platform for interaction but also as a space where meanings and perceptions of reality are continuously shaped.

Febiani, Selvia; Dewi Pergiwati Wijaya; Sharen Sakita

RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan 2026 Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

The development of digital technology has significantly changed the way students interact and present themselves in social life, especially through social media such as Instagram, TikTok, and Twitter. One of the emerging social phenomena is flexing, which refers to the behavior of showing off lifestyle, achievements, or ownership to gain attention and social recognition. This study aims to analyze how Sociology students of Sriwijaya University interpret flexing on social media and whether flexing is more dominant as a lifestyle or as a form of social pressure. This research uses a qualitative method with a literature review approach by examining various scientific articles, journals, and previous studies related to flexing, self-presentation, symbolic consumption, social validation, and Fear of Missing Out (FoMO). The results show that flexing is not only a form of self-presentation and symbolic consumption, but also a response to social pressure in the digital environment.

Sri Rahayu; Aida Safitri; Risma Anita Puriani

RISOMA : Jurnal Riset Sosial Humaniora dan Pendidikan 2026 Asosiasi Ilmuwan Pendidikan, Sosial, dan Humaniora Indonesia

This research explores hedonistic lifestyle patterns as a social reality that grows within peer interactions, both in adolescence and adulthood. The investigation applies a qualitative descriptive literature review by examining national scholarly publications issued from 2016 to 2026. The findings indicate that hedonistic tendencies should not be interpreted merely as individual choices to seek enjoyment. Instead, they emerge from social processes shaped by interaction, peer influence, and shared norms that develop within a group. In this context, peer circles function as influential socialization agents, encouraging conformity so individuals can be accepted and avoid social exclusion. The study also identifies differences in underlying motivations across life stages. Among adolescents, hedonistic behavior is closely linked to identity exploration and self-definition. For adults, however, it is more associated with maintaining self-image, signaling social standing, and displaying markers of achievement. Overall, environmental dynamics, the expansion of consumer-oriented culture, and intensive exposure to social media play significant roles in strengthening this phenomenon in Indonesia.

Naela Farkhati; Agus Supriatna

Jurnal Ekonomi dan Keuangan 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to analyze the effect of financial literacy and lifestyle on financial management of students of the Management Study Program at Universitas Pamulang. This research uses a quantitative method with an associative approach, with data collected through questionnaires distributed to 160 respondents. Data analysis was conducted using validity tests, reliability tests, classical assumption tests, simple and multiple linear regression analysis, t-test, F-test, and coefficient of determination (R²). The results show that partially financial literacy has a positive and significant effect on financial management with a t-value of 7,161 > t-table 1.975 and a significance value of 0.000 < 0.05, while lifestyle also has a positive and significant effect with a t-value of 6,881 > t-table 1.975 and a significance value of 0.000 < 0.05. Simultaneously, financial literacy and lifestyle have a significant effect on financial management with an F-value of 853.671 > F-table 3.05 and a significance value of 0.000 < 0.05. The coefficient of determination of 0.916 indicates that 91,6% of the variation in students’ financial management is explained by financial literacy and lifestyle, while the remaining 8,4% is influenced by other factors outside this study.

Iza Saniyatun; Said Said; Idris Idris

Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to analyze the influence of Financial Literacy, the use of Digital Payments, Lifestyle, and Pocket Money on the Consumptive Behavior of Generation Z. The research subjects were students of the Faculty of Economics and Business, Budi Luhur University. This study uses a quantitative approach with a survey method through the distribution of online questionnaires. The population in this study consisted of 1,017 active students of the Faculty of Economics and Business, Budi Luhur University, from the 2022-2025 batch, with a sample size of 100 respondents determined using the Slovin formula and non-probability sampling technique with purposive sampling method. The data obtained were analyzed using SPSS version 25 with multiple linear regression analysis, classical assumption testing, model feasibility testing (F test), t test, and coefficient of determination (R²). The results showed that financial literacy, lifestyle, and pocket money significantly influenced students' consumptive behavior. Meanwhile, the use of Digital Payment does not significantly affect students' Consumptive Behavior. In addition, the results of the model feasibility test (F test) show that Financial Literacy, the use of Digital Payment, Lifestyle, and Pocket Money together significantly affect Consumptive Behavior, so that the regression model is declared feasible for use.

Mohd Fadli Ariansyah; Eka Pandu Cynthia

Prosiding Seminar Nasional Ilmu Teknik 2026 Asosiasi Riset Ilmu Teknik Indonesia

Lifestyle changes, such as smoking habits, low physical activity, and suboptimal sleep patterns, have the potential to affect various health indicators. However, empirical evidence showing a direct link between lifestyle factors and objective health indicators still shows varying results. This study aims to analyze the relationship between lifestyle factors and health indicators in adult respondents, in an effort to provide an empirical picture of behavioral factors related to health conditions. This study used a quantitative approach with a cross-sectional observational analytic design. Data were obtained from 94 respondents who had complete lifestyle data and health examination results. Lifestyle factors analyzed included smoking habits, exercise frequency, and sleep duration, while health indicators included body mass index (BMI), systolic and diastolic blood pressure, blood sugar levels, cholesterol, uric acid, and pulse rate. Data analysis was performed using descriptive statistics, the Shapiro–Wilk normality test, and the Spearman correlation test according to the characteristics of the data distribution. The results showed that smoking habits were significantly associated with diastolic blood pressure (p < 0.05), exercise frequency was significantly associated with BMI and systolic blood pressure (p < 0.05), and sleep duration was significantly associated with uric acid levels (p < 0.05). Meanwhile, the relationship between lifestyle factors and other health indicators did not show statistical significance. These findings indicate that the influence of lifestyle on health is specific to certain indicators and is not evenly distributed across all health parameters. This study concludes that identifying lifestyle factors relevant to certain health indicators is important as a basis for formulating more targeted health promotion strategies.

Alya Putri Noviani; Hendika Suryawinata; Siti Rania Maelani; Sri Mulyeni

Jurnal Manajemen Bisnis Era Digital 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The advancement of social media platforms, especially TikTok, has drastically changed the behavioral patterns and lifestyles of Generation Z. One psychological impact of intensive social media use is Fear of Missing Out (FoMO), which is the worry of missing out on news, trends, or viral social activities. This study aims to reveal how FoMO affects the lifestyle of Generation Z active on TikTok, focusing on aspects of mental health, shopping habits, and the balance of social interactions. This research uses a literature study approach with a qualitative descriptive method, through in-depth analysis of 21 scientific articles published between 2019 and 2025. The findings show that FoMO is associated with increased anxiety, depression, personal dissatisfaction, and excessive social media use among Generation Z. Furthermore, FoMO also drives impulsive consumption patterns and purchases triggered by online trends as well as the desire for social approval. On the other hand, internal factors such as self-confidence and self-control ability have proven to reduce the level of FoMO and its negative effects. This study concludes that FoMO is a complex phenomenon that impacts the mental health and lifestyle of Generation Z, thus requiring measures such as increasing digital literacy, strengthening self-control, and using social media wisely to reduce the negative impacts of FoMO in the long term.

Nadia Putri Sabrina; Sri Trisnaningsih

Prosiding Seminar Nasional Ilmu Ekonomi dan Akuntansi 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

The development of e-commerce and digital financial services has changed consumer behavior, particularly among Generation Z. One emerging innovation is the Paylater service, which offers convenience and flexibility in transactions. While providing easy access, the use of Paylater also has the potential to increase consumer behavior and impulsive purchases. This study aims to analyze the role of financial literacy and lifestyle in the use of Paylater services among Generation Z through the Systematic Literature Review (SLR) method. A total of ten scientific articles published in the last five years were analyzed to examine the relationship between financial literacy, lifestyle, and Paylater usage behavior. The results show that financial literacy has an inconsistent influence and tends to act as a controlling factor, while a consumptive and hedonistic lifestyle is the dominant factor driving Paylater use. In addition, behavioral factors such as impulsive purchases and technological convenience also strengthen the tendency to use these services. This study concludes that increasing financial literacy balanced with controlling a consumptive lifestyle is very influential in encouraging the wise and sustainable use of Paylater.

Naila Kinanti; Eryne Adelia; Khairunnisah Tanjung

Jurnal Rumpun Ilmu Bahasa dan Pendidikan 2026 Asosiasi Periset Bahasa Sastra Indonesia

This study examines the phenomenon of K-Pop slang usage among young generations and its influence on lifestyle and social identity formation. The research background reveals that K-Pop culture has significantly impacted language practices, particularly through the adoption of specific terms within fan communities. The objective is to analyze how K-Pop slang functions as a linguistic creativity tool and identity marker among Indonesian youth. Using a qualitative descriptive approach, data were collected from social media platform X (Twitter) through purposive sampling of posts containing K-Pop slang terms. Findings indicate that K-Pop slang encompasses semantic shifts, acronyms, abbreviations, and new terminology that strengthen community solidarity and collective identity. The implications suggest that while K-Pop slang serves as creative expression and social bonding mechanism, excessive usage may affect proper Indonesian language proficiency in academic contexts. This research contributes to understanding the balance between linguistic creativity, global cultural influence, and Indonesian language preservation.

ariyanti, lilik; Priscilla Rosita Putri Nurmasari; Almas Awanis

Jurnal Fisioterapi dan Ilmu Kesehatan Sisthana (JUFDIKES) 2026 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Gaya hidup remaja masa kini sangat erat kaitannya dengan penggunaan smartphone, di mana hampir seluruh remaja telah memiliki smartphone pribadi. Penggunaan smartphone yang tidak terkontrol berisiko menimbulkan kecanduan yang dapat berdampak negatif terhadap kualitas hidup remaja. Kondisi ini berdampak pada status gizi yang tidak normal pada remaja, diantaranya kekurangan berat badan (underweight) maupun kelebihan berat badan (overweight). Tujuan penelitian ini adalah mengetahui hubungan kecanduan smartphone terhadap Indeks Massa Tubuh. Desain penelitian ini cross sectional dengan sampel 242 remaja usia 15-18 tahun dan menggunaan teknik purposive sampling. Instrumen penelitian yang digunakan adalah Smartphone Addiction Scale-Short Version yang sudah diuji validitas dan reliabilitasnya dengan nilai cut off point kuesioner untuk laki-laki >31 dinyatakan kecanduan smartphone sedangkan untuk perempuan >33 dinyatakan kecanduan smartphone, selain itu dilakukan pengukuran IMT berdasarkan berat badan dan tinggi badan. Analisa data yang dilakukan menggunakan uji statistik Chi-Square dengan uji alternatif Fisher Extract melalui SPSS versi 25. Hasil yang diperoleh yaitu p-value (0,014 < 0,05) yang menunjukan terdapat hubungan antara kecanduan smartphone terhadap Indeks Massa Tubuh (IMT).

Igga Oktavia; Cynthia Eka Violita; Nikmatul Lailiyah; Syarifah Nadia

Jurnal Manuhara : Pusat Penelitian Ilmu Manajemen dan Bisnis 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Financial literacy and lifestyle are two important factors influencing students' ability to manage their personal finances. Students are in a transitional phase toward financial independence and are therefore required to make rational financial decisions amidst the influence of modern lifestyles. This study aims to understand how students interpret financial literacy and lifestyle in their daily financial management practices. This study used a qualitative approach with descriptive methods. Data were collected through in-depth interviews and observations of active students from various backgrounds. The results indicate that students generally understand the basic concepts of financial literacy, such as managing pocket money and preparing a simple budget. However, the application of this financial literacy is often suboptimal due to the influence of a consumptive lifestyle and social pressures. This study provides important implications for the development of contextual financial literacy education programs in higher education environments. The implication of this research is the importance of developing financial literacy education programs that are more contextual and relevant to students' lifestyles so they can manage their personal finances more wisely and effectively.

Buana Ramadhan; Priscillia Annisa Clara

Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Rapid adoption of cashless payments has reshaped everyday spending, especially among young consumers. While e-wallets deliver speed and convenience, constant exposure to discounts, cashbacks, and one-click checkouts may also foster more frequent discretionary purchases. This study examines the relationship between e-wallet usage intensity and consumptive lifestyle, focusing on how convenience and promotional stimuli relate to spending tendencies. Using a cross-sectional online survey of students and early-career workers, we collected self-reports on payment habits and consumption patterns with validated Likert-type instruments. Data were screened and analyzed with correlation and linear regression after basic assumption checks. The results indicate a positive and statistically meaningful association between e-wallet usage and consumptive lifestyle; respondents who transact more often via e-wallets tend to report stronger preferences for instant gratification, hedonic purchases, and impulse buying. Convenience features (e.g., stored cards, fast checkout) and promotional exposure (e.g., limited-time deals) emerged as salient correlates of the relationship. The findings add contextual evidence from Indonesia’s digital economy and suggest practical implications for users, platforms, and educators. Financial-wellbeing interventions such as digital budgeting tips, in-app nudges, spend limits, or post-purchase reflections may help align seamless payments with healthier consumption decisions. Future work can test causal mechanisms and evaluate design features that encourage prudent, goal-consistent spending without diminishing user experience.

Rizqi Roman Azmi; Rauly Sijabat; Ika Indriasari

Jurnal Manajemen Kewirausahaan dan Teknologi 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The development of the automotive industry, especially automatic motorcycles in Indonesia, is increasingly rapid and triggers fierce competition between manufacturers, including Piaggio with the Vespa Matic LX product which has a unique design, elegant image, and different characteristics from other automatic motorcycles. This study aims to analyze the influence of price perception, promotion, product quality, lifestyle, and brand image on the interest in buying Vespa Matic LX in people in Tegal City. The research approach uses quantitative methods with survey techniques. The study population is the people of Tegal City who use or own a Vespa Matic LX, and because the population is unknown, the sample determination uses the Lemeshow formula so that 100 respondents were obtained. Data analysis included instrument tests, classical assumption tests, and multiple linear regressions with the help of IBM SPSS Statistics 22. The results showed that all variables—price perception, promotion, product quality, lifestyle, and brand image—had a positive and significant effect on purchase interest. These findings confirm that the management of the right marketing strategy in terms of price, promotion, quality, lifestyle, and brand image can increase consumer interest in the Vespa Matic LX. This research provides important implications for companies in formulating marketing strategies that are more effective and oriented to consumer needs.

Septianingtyas, Maya; Jona, Resa Nirmala; Sulistyaningrum, Danny Putri; Juwariyah, Siti; Noer’aini, I’ien +1 more

Jurnal Pengabdian Kepada Masyarakat Sisthana 2025 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Latar Belakang: Hipertensi merupakan salah satu masalah kesehatan utama yang berdampak pada meningkatnya angka kesakitan dan kematian, terutama pada kelompok lansia. Kurangnya kesadaran masyarakat terhadap deteksi dini dan gaya hidup sehat menjadi faktor yang memperburuk kondisi ini. Tujuan: Kegiatan pengabdian masyarakat ini bertujuan untuk memberdayakan masyarakat melalui peningkatan pengetahuan, sikap, dan perilaku dalam pengendalian tekanan darah melalui Program SEHATI (Sehat Bersama Hipertensi Terkendali). Metode: Kegiatan dilaksanakan di Posbindu lansia dengan melibatkan 45 peserta. Metode kegiatan meliputi skrining tekanan darah dan status kesehatan, edukasi tentang pencegahan dan pengendalian hipertensi, serta pelatihan senam hipertensi. Evaluasi dilakukan melalui pre dan post-test pengetahuan serta observasi partisipasi senam. Hasil: Terdapat peningkatan pengetahuan peserta tentang hipertensi sebesar 35%, partisipasi aktif dalam senam mencapai 90%, dan sebagian besar peserta menunjukkan penurunan tekanan darah setelah mengikuti kegiatan. Kesimpulan: Program SEHATI efektif meningkatkan pengetahuan, kesadaran, dan perilaku sehat masyarakat dalam pengendalian tekanan darah, serta dapat menjadi model pemberdayaan masyarakat berbasis promotif dan preventif di komunitas lansia.

Nusantara, Ana Fitria; Achmad Kusyairi

Jurnal Pengabdian Kepada Masyarakat Sisthana 2025 Stikes Kesdam IV/Diponegoro Semarang, Indonesia

Diabetes mellitus adalah penyakit gangguan metabolisme yang disebabkan oleh defisiensi sekresi insulin, kerusakan sel Beta pankreas, atau resistensi insulin sebagai akibat insulin yang tidak digunakan. DM secara progresif menyebabkan terjadinya komplikasi makrovaskuler, mikrovaskuler, dan neuropatik kronis yang mengancam jiwa. Selain berdampak pada masalah kesehatan, DM juga memiliki konsekuensi ekonomi yang besar. Biaya pengobatan meningkat khususnya apabila terjadi komplikasi jangka panjang dan pilihan pengobatan modern. Perubahan gaya hidup dapat meningkatkan kesehatan dan kualitas hidup sehingga penderita tidak mengalami komplikasi. Modifikasi gaya hidup dilakukan dengan mengurangi asupan energi, meningkatkan aktivitas fisik sebagai terapi utama untuk pasien DM yang obesitas. Penurunan berat badan dikombinasikan dengan peningkatan aktivitas dapat meningkatkan sensitivitas insulin dan kontrol glikemik serta mencegah perkembangan DM tipe 2 terhadap risiko tinggi gangguan toleransi glukosa. Target pengabdian masyarakat ini adalah meningkatkan pengetahuan, dan kemampuan penderita diabetes mellitus tipe 2 dalam melakukan modifikasi gaya hidup guna mencegah komplikasi diabetes. Kegiatan  ini dilakukan di layanan kesehatan praktik mandiri bidan (LKPMB) dengan melibatkan mitra dari lahan yaitu bidan dan tim kesehatan terkait dalam bentuk pemberian edukasi dan pelatihan keterampilan mengenai cara melakukan menejemen gaya hidup. Hasil evaluasi menunjukkan pemahaman peserta menjadi lebih baik tentang modifikasi gaya hidup dan memiliki motivasi untuk diterapkan dalam kehidupan sehari-hari

Lewa, Maria Dominika Wona; Bunga, Eryc Z. Haba; Gustam, Tasalina Yohana Parameswari; Weraman, Pius

Jurnal Ilmu Kesehatan Umum, Psikolog, Keperawatan dan Kebidanan 2025 Asosiasi Riset Ilmu Kesehatan Indonesia

Hypertension remains a major health problem with high prevalence, often linked to poor lifestyle habits and low self-efficacy in managing one’s health. Effective hypertension management requires not only support from health professionals but also encouragement from family members who can remind patients to adhere to treatment and provide emotional support. This study aimed to analyze the relationship between self-efficacy, lifestyle, and family support with hypertension among Prolanis members in the working area of Puskesmas Oesapa, Kupang City. Using an observational analytical approach with a cross-sectional design, the study involved 65 hypertensive Prolanis members selected through simple random sampling. Data collection was conducted using a structured questionnaire. The findings showed significant relationships between self-efficacy, physical activity, and diet with hypertension status (p-value = 0.000). However, resting habits were not significantly associated with hypertension (p-value = 0.063), and family support also showed no significant relationship (p-value = 0.388). The study recommends that the Puskesmas continue to strengthen Prolanis activities and enhance health education, particularly regarding the importance of maintaining a healthy lifestyle through proper dietary management and regular light physical activity tailored to the abilities of Prolanis members.

Zulfa, Aulia; Najicha, Fatma Ulfatun

Jurnal Global Citizen : Jurnal Ilmiah Kajian Pendidikan Kewarganegaraan 2025 Prodi PPKn Universitas Slamet Riyadi

Era globalisasi di mana segala macam arus informasi serta kebudayaan berkembang pesat dan dapat diakses dengan mudah tentu menjadi tantangan tersendiri bagi bangsa Indonesia untuk tetap mempertahankan keutuhannya. Hasil yang terlihat terlihat di lingkungan saat ini, terdapat beberapa poin permasalahan yang disorot dan dinilai memiliki pengaruh besar terhadap generasi muda : 1.) Gaya hidup: 2.) budaya luar ; 3.) liberalisasi ; 4.) teknologi ; 5.) sosial dan moral. Tujuan penulisan jurnal ilmiah ini adalah untuk menekankan kesadaran generasi milenial untuk selalu berjiwa nasionalisme untuk menjaga identitas bangsa serta keutuhan NKRI untuk mencapai tujuan negara di tengah arus globalisasi dan modernisasi.

Naufal Afif Dwinka Tantra; Nurjanti Takarini

Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The rapid development of financial technology has transformed transactional behavior, particularly among Generation Z. Easy access through mobile banking, particularly BCA Mobile, has made financial activities more practical but also poses risks of consumptive behavior due to low financial literacy and self-control. This study aims to analyze the influence of Financial Literacy, Lifestyle, and Locus of control on Financial Behavior, with Financial technology as a moderating variable. The research population consists of Generation Z users of BCA Mobile in Surabaya. A total of 147 respondents were selected using purposive sampling based on specific criteria. Data were collected through questionnaires and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) approach. The findings show that Financial Literacy and Locus of control have a significant positive effect on Financial Behavior, while Lifestyle has a significant negative effect. Furthermore, Financial technology is proven to moderate the influence of Financial Literacy and Locus of control on Financial Behavior, but not the relationship between Lifestyle and Financial Behavior.  

Zeze Zakaria Hamzah

Prosiding Seminar Nasional Ilmu Manajemen Kewirausahaan dan Bisnis 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Digital transformation in Indonesia's financial sector has accelerated the adoption of cashless payment systems, with QRIS (Quick Response Code Indonesian Standard) as the main innovation since its introduction by Bank Indonesia in 2019. Generation Z, as a digital native group, is the dominant user of QRIS due to their preference for fast, practical, and connected services. This study aims to empirically analyze the influence of lifestyle, ease of use, trust, and financial attitudes on the decision to use QRIS by Generation Z in Bogor Regency, as well as test the role of financial literacy as a moderation variable. The research approach uses quantitative methods through inferential statistical analysis. The results showed that only the variables of ease of use and financial attitude had a significant effect on the decision to use QRIS, with a significance value of < 0.05 and t calculated > t table. These findings reinforce the Technology Acceptance Model (TAM) model, which emphasizes the importance of the perception of convenience in driving the adoption of digital payment technology. Meanwhile, the variables of lifestyle and trust did not have a significant effect, which may be due to the level of general trust that has been formed in QRIS and the digital lifestyle of respondents who have not fully developed. These results confirm the need to develop a more intuitive user experience and increase education related to digital financial literacy to strengthen the sustainable use of QRIS among Generation Z.

Isma A. Latif; Radia Hafid; Ardiansyah Ardiansyah; Meyiko Panigoro; Agil Bahsoan

Jurnal Ekonomi, Akuntansi, dan Perpajakan 2025 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study aims to determine the effect of economic literacy and lifestyle on the consumptive behavior of 2021 cohort students in the Economics Education Department, Faculty of Economics and Business, State University of Gorontalo. This research is motivated by the increasing tendency of consumptive behavior among students, which is influenced by easy access to information and modern lifestyles. The type of research used is quantitative research with primary data sources obtained through questionnaires distributed to 35 respondents. The data analysis technique uses multiple linear regression with the help of statistical software. The results show that the variables of economic literacy and lifestyle simultaneously have a significant effect on students' consumptive behavior. The contribution of these two variables is 0.406 or 40.6%, while the remaining 59.4% is influenced by other factors outside this research model.These findings are expected to serve as a consideration for students to be wiser in managing their finances and forming a rational lifestyle, as well as to increase awareness of the importance of personal financial planning for a more stable and sustainable future well-being in today's modern social and economic environment.