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CONSUMPTION BEHAVIOR OF BIDIKMISI SCHOLARSHIP STUDENTS WITH RELIGIOSITY AS A MODERATING VARIABLE

JEBIS (Jurnal Ekonomi dan Bisnis Islam) · Vol. 6 No. 2 (2020) · pp. 239–259

DOI
10.20473/jebis.v6i2.22122
ISSN
2527-3027, 2442-6563
Published
2020-12-11
Publisher
Universitas Airlangga
Language
eng
License
creativecommons.org/licenses/by-nc-sa/4.0

Abstract

A person's consumption depends on the amount of income earned. If a person's income increases, then consumption will also increase. Conversely, if income decreases, then consumption will also decrease. This study aims to analyze the influence of income, lifestyle, and social environment variables on student consumption behavior with religiosity as a moderating variable. The research method used is a quantitative method using anaccidental sampling technique. The data analysis technique applied is the Moderated Regression Analysis (MRA) test of SPSS 19.0. The results show that income has a positive and significant effect on student consumption behavior by 29.8%, lifestyle has a positive and significant impact on student consumption behavior by 27.6%, and social environment has a positive and significant effect on student consumption behavior by 24.1%. Income, lifestyle, and social environment simultaneously have a positive and significant impact on student consumption behavior with a significance value obtained reaches 0.000 2.47). Religiosity has a significant impact on consumption behavior with a significance value obtained of 0.036 1.985). Religiosity does not strengthen income, lifestyle, and social environment against consumption behavior. Income, lifestyle, and social environment have a positive effect on student consumption behavior with a moderate level of religiosity. In addition, religiosity affects consumption behavior, therefore it can be concluded that religious knowledge or ideology can influence consumers in choosing goods to consume, based on the value they believe in.

Keywords

Collaboration network of the authors

19 authors · 34 co-authorship links

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Co-authorOrganisationJoint articles
Nurul JannahAffiliation unknown1
Nur Azizah NasutionAffiliation unknown1
Khairina TambunanAffiliation unknown1
Kamilah KamilahAffiliation unknown1
Ahmad Muhaisin B SyarbainiAffiliation unknown1
Sukiman SukimanAffiliation unknown1
Muhammad Arfan HarahapAffiliation unknown1
NurbaitiAffiliation unknown1
muhammad ridhoAffiliation unknown1
Desmadi SaharuddinAffiliation unknown1
Azhari Akmal TariganAffiliation unknown1
Ismail IsmailAffiliation unknown1
Mustapa Khamal RokanAffiliation unknown1
Chuzaimah BatubaraAffiliation unknown1
Sukiati SukiatiAffiliation unknown1
Muhammad Firdaus Bin Abdul ManafAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://e-journal.unair.ac.id/JEBIS/oai, first harvested 8 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en-US">CONSUMPTION BEHAVIOR OF BIDIKMISI SCHOLARSHIP STUDENTS WITH RELIGIOSITY AS A MODERATING VARIABLE</dc:title>
	<dc:creator>Yafiz, Muhammad</dc:creator>
	<dc:creator>Harahap, Isnaini</dc:creator>
	<dc:creator>Cahyanti, Sri</dc:creator>
	<dc:subject xml:lang="en-US">Consumption Behavior</dc:subject>
	<dc:subject xml:lang="en-US">Income</dc:subject>
	<dc:subject xml:lang="en-US">Lifestyle</dc:subject>
	<dc:subject xml:lang="en-US">Religiosity</dc:subject>
	<dc:subject xml:lang="en-US">Social Environment</dc:subject>
	<dc:description xml:lang="en-US">A person's consumption depends on the amount of income earned. If a person's income increases, then consumption will also increase. Conversely, if income decreases, then consumption will also decrease. This study aims to analyze the influence of income, lifestyle, and social environment variables on student consumption behavior with religiosity as a moderating variable. The research method used is a quantitative method using anaccidental sampling technique. The data analysis technique applied is the Moderated Regression Analysis (MRA) test of SPSS 19.0. The results show that income has a positive and significant effect on student consumption behavior by 29.8%, lifestyle has a positive and significant impact on student consumption behavior by 27.6%, and social environment has a positive and significant effect on student consumption behavior by 24.1%. Income, lifestyle, and social environment simultaneously have a positive and significant impact on student consumption behavior with a significance value obtained reaches 0.000 &amp;lt;0.05, and Fcount is greater than Ftable (26.398&amp;gt; 2.47). Religiosity has a significant impact on consumption behavior with a significance value obtained of 0.036 &amp;lt;0.05, and tcount is greater than ttable (2.123&amp;gt; 1.985). Religiosity does not strengthen income, lifestyle, and social environment against consumption behavior. Income, lifestyle, and social environment have a positive effect on student consumption behavior with a moderate level of religiosity. In addition, religiosity affects consumption behavior, therefore it can be concluded that religious knowledge or ideology can influence consumers in choosing goods to consume, based on the value they believe in.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Airlangga</dc:publisher>
	<dc:date>2020-12-11</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://e-journal.unair.ac.id/JEBIS/article/view/22122</dc:identifier>
	<dc:identifier>10.20473/jebis.v6i2.22122</dc:identifier>
	<dc:source xml:lang="en-US">Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business); Vol. 6 No. 2 (2020): JULY-DECEMBER 2020; 239–259</dc:source>
	<dc:source>2527-3027</dc:source>
	<dc:source>2442-6563</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://e-journal.unair.ac.id/JEBIS/article/view/22122/13047</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2020 JEBIS (Jurnal Ekonomi dan Bisnis Islam)</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by-nc-sa/4.0</dc:rights>
</oai_dc:dc>