Pengaruh Gaya Hidup Konsumtif dan Sikap Keuangan dengan Peran Media Sosial Sebagai Variabel Moderasi terhadap Kualitas Pengelolaan Keuangan Mahasiswa Perguruan Tinggi Islam di Malang

Shofi Nida Rahmaniy, Nurhidayah Nurhidayah, Galih Ramadhan Febrianto

Abstract


This study aims to analyze the influence of consumptive lifestyle and financial attitude on the quality of students' financial management, as well as to examine the moderating role of social media in these relationships. This research employs a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) as the analysis method. The research sample consists of 186 students from the Faculty of Economics and Business across three Islamic Higher Education Institutions in Malang (Unisma, UIN Maliki, and UMM), selected through a purposive sampling technique. The results show that a consumptive lifestyle has a significant negative effect on financial management. Meanwhile, financial attitude and social media do not have a direct effect. However, social media is proven to act as a significant moderating variable in the relationship between a consumptive lifestyle and financial management. These findings indicate that excessive consumption behavior is a major factor worsening financial conditions, where social media can function to intervene in the impact of that lifestyle.


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