Technological advancement has tr The Effect Of Islamic Financial Literacy And Lifestyle On The Consumptive Behavior Of Shopee Paylater Users Among Muslim Consumers In Ambon

Abstract

This study aims to analyze the effect of Islamic Financial Literacy and Lifestyle on the Consumptive Behavior of Shopee PayLater users among Muslim consumers in Ambon City, Indonesia. A quantitative associative approach was employed, with the population comprising Muslim university students who use Shopee PayLater in Ambon City. A sample of 100 respondents was obtained through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed through validity and reliability testing, classical assumption tests, and multiple linear regression. The results indicate that Islamic Financial Literacy has a negative and significant effect on Consumptive Behavior, whereas Lifestyle has a positive and significant effect. Simultaneously, both independent variables significantly influence Consumptive Behavior, jointly explaining 27.2% of its variance. These findings underscore the importance of strengthening Islamic financial literacy as a preventive measure against consumptive behavior driven by the convenience of paylater features.