Article
The influence of financial literacy, lifestyle, self-control, peer conformity, and e-money on consumer behaviour among university students
Jurnal HOMANIS: Halu Oleo Manajemen dan Bisnis, Vol. 3 No. 3 (2026), hlm. 754–776
Abstrak
This study aims to examine the influence of financial literacy, lifestyle, self-control, peer conformity, and e-money on consumer behavior. The independent variables used are financial literacy, lifestyle, self-control, peer conformity, and e-money. The dependent variable used is consumer behavior. The results of this study indicate that (1) financial literacy, lifestyle, self-control, peer conformity, and the use of e-money simultaneously have a significant effect on consumer behavior; (2) financial literacy has a significant positive effect on consumer behavior; (3) lifestyle has a significant positive effect on consumer behavior; (4) self-control has a significant positive effect on consumer behavior; (5) peer conformity has a significant positive effect on consumer behavior; and (6) e-money has a significant negative effect on consumer behavior.