ANALYSIS OF FACTORS AFFECTING THE LEVEL OF CONSUMPTIVE BEHAVIOR AMONG STIEPARI SEMARANG STUDENTS LIVING IN BAWEN BOARDING HOUSES
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Ester Ziliwu(1)
Department of Management, Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia
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Yuniarto R Satato(2*)
Department of Management, Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia
(*) Corresponding Author
Keywords:
Consumptive Behaviour, Boarding House Students, Peer Influence, Financial Literacy, Social Media Exposure
Abstract
This study examined factors influencing consumptive behavior among STIEPARI Semarang students in Bawen boarding houses. Using quantitative analysis with 150 respondents, the research identified four significant predictors: peer influence, social media exposure, financial literacy, and family income background, collectively explaining 54.7% of variance. The boarding environment intensified peer influence while reducing parental oversight, with 81.3% of students exhibiting moderate to high consumptive tendencies. Status consumption, convenience-based spending, and impulsive purchasing were predominant behaviors, while longer boarding residence correlated with higher consumptive tendencies. Findings suggest a need for targeted financial literacy programs, media awareness initiatives, and improved parental financial socialization before students transition to independent living. This research helps explain how residential context mediates consumption patterns and offers practical conclusions for educational institutions promoting responsible consumption.
Keywords: Consumptive Behaviour; Boarding House Students; Peer Influence; Financial Literacy; Social Media Exposure
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References
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Sevilla, C. G., Ochave, J. A., Punsalan, T. G., Regala, B. P., & Uriarte, G. G. (1992). Research Methods. Rex Bookstore, Inc.
Sharma, G. (2017). Pros and cons of different sampling techniques. International Journal of Applied Research (IJAR), 3(7), 749–752.
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https://doi.org/10.2991/aebmr.k.220128.018
Veblen, T. (1998). The Theory of the Leisure Class: An Economic Study of Institutions. Prometheus.
https://doi.org/https://doi.org/10.5281/zenodo.13373687
Aseng, A. C. (2020). Consumption Patterns of Dormitory Students at a Private University. Human Behavior, Development & Society, 21(1), 93–101.
https://doi.org/10.13140/RG.2.2.35531.13609
Babbie, E. (2015). The Practice of Social Research (14th ed.). Cengage Learning.
Bai, R. (2023). Impact of financial literacy, mental budgeting and self control on financial wellbeing: Mediating impact of investment decision making. PLoS ONE, 18 (11 November), 1–18. https://doi.org/10.1371/journal.pone.0294466
Baudrillard, J. (1998). The Consumer Society: Myths and Structures. Sage Publications Ltd.
Bearden, W. O., & Rose, R. L. (1990). Attention to Social Comparison Information: An Individual Difference Factor Affecting Consumer Conformity. Journal of Consumer Research, 16(4), 461. https://doi.org/10.1086/209231
Bourdieu, P. (1996). Distinction: A Social Critique of the Judgement of Taste (R. Nice (trans.)). Harvard University Press.
Cochran, W. G. (1977). Sampling Techniques (3rd ed.). John Wiley & Sons.
Coleman, J. C. (2011). The Nature of Adolescence. Routledge.
https://doi.org/10.4324/9780203805633
Creswell, J. W., & Creswell, J. D. (2018). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches (5th Edition). SAGE Publications, Inc.
Cronbach, L. J. (1951). Coefficient Alpha and the Internal Structure of Tests. Psychometrika, 16(3), 297–334. https://doi.org/10.1007/BF02310555
Cui, X., Xiao, J. J., Yi, J., Porto, N., & Cai, Y. (2019). Impact of family income in early life on the financial independence of young adults: Evidence from a matched panel data. International Journal of Consumer Studies, 43(6), 514–527. https://doi.org/10.1111/ijcs.12536
Dewi, P. A. C., Gan, S. S. A., & Abdullah, N. (2024). Factors Influencing the Consumptive Behavior of University Students in Bali. Proceeding of 3rd Internasional Conference on Integrating Religion, Contemporary Environmental Issues and SDGs, 121–134.
https://doi.org/https://doi.org/10.24090/icontrees.2024.1160
Duffett, R. G. (2017). Influence of social media marketing communications on young consumers’ attitudes. Young Consumers, 18(1), 19–39.
https://doi.org/10.1108/YC-07-2016-00622
Fardouly, J., Willburger, B. K., & Vartanian, L. R. (2018). Instagram use and young women’s body image concerns and self-objectification: Testing mediational pathways. New Media & Society, 20(4), 1380–1395.
https://doi.org/10.1177/1461444817694499
Field, A. (2013). Discovering Statistics Using IBM SPSS Statistics (4th ed.). SAGE.
Fitriyah, W. (2024). The Role of Islamic Financial Management in Controlling the Consumptive Behavior of Islamic Economics Female Santriwati Shopaholics (Dalwa Islamic Boarding School for Girls). Airlangga Journal of Innovation Management, 5(4), 634–650. https://doi.org/10.20473/ajim.v5i4.64952
Grohmann, A. (2018). Financial literacy and financial behavior: Evidence from the emerging Asian middle class. Pacific-Basin Finance Journal, 48, 129–143. https://doi.org/10.1016/j.pacfin.2018.01.007
Hair, J. F., Babin, B. J., Anderson, R. E., & Black, W. C. (2019). Multivariate Data Analysis (8th ed.). Pearson Prentice.
Hamamura, T., Bettache, K., & Xu, Y. (2018). Individualism and Collectivism. In V. Zeigler-Hill & T. K. Shackelford (Eds.), The SAGE Handbook of Personality and Individual Differences: Volume II: Origins of Personality and Individual Differences (pp. 365–382). SAGE Publications Ltd.
https://doi.org/https://doi.org/10.4135/9781526470317
Julita, J., & Wardhana, A. (2025). The Effect Of Financial Literacy, Lifestyle And Income On Consumer Behavior Of Students Of The Faculty Of Economics And Business Of Muhammadiyah University Of North Sumatra. Proceeding International Seminar of Islamic Studies: Malaysia, Februari 1, 2025, 6(1), 1807–1817.
https://doi.org/https://doi.org/10.3059/insis.v0i0.22870
Kolańska-Stronka, M., & Gorbaniuk, O. (2022). Materialism, conspicuous consumption, and brand engagement in self-concept: a study of teenagers. Current Issues in Personality Psychology, 10(1), 39–48.
https://doi.org/10.5114/cipp.2021.110060
Kumar, D. S., Sudin, H., Othman, J., & Salehuddin, S. (2022). The Influence of Spending Behaviour Among University Students in Malaysia. Asian Journal of Accounting and Finance, 4(3), 30–42. https://doi.org/10.55057/ajafin.2022.4.3.3
Lubiyansyah, R. A. (2020). Consumption patterns of boarding students. Indonesian Journal of Social Sciences, 12(1), 5. https://doi.org/10.20473/ijss.v12i1.21153
Madtha, L. J., Joseph, J., Joy, M. M., Reji, M. P., S., M. C., & Sabu, L. (2023). Peer Influence on Lifestyle Behaviors among Undergraduate Students of Professional Colleges. Journal of Health and Allied Sciences NU, 13(03), 389–394. https://doi.org/10.1055/s-0042-1757444
Muawaliyah, W., & Saifuddin, A. (2023). Consumptive Behavior in Female University Students: Qana’ah and Hedonic Lifestyle as Predictors. Islamic Guidance and Counseling Journal, 6(1), 70–82. https://doi.org/10.25217/igcj.v6i1.3241
Nguyen, H. V., Moschis, G. P., & Shannon, R. (2009). Effects of family structure and socialization on materialism: a life course study in Thailand. International Journal of Consumer Studies, 33(4), 486–495. https://doi.org/10.1111/j.1470-6431.2009.00778.x
Pellegrino, A., Abe, M., & Shannon, R. (2022). The Dark Side of Social Media: Content Effects on the Relationship Between Materialism and Consumption Behaviors. Frontiers in Psychology, 13, 1–15. https://doi.org/10.3389/fpsyg.2022.870614
Potrich, A. C. G., Vieira, K. M., & Kirch, G. (2018). How well do women do when it comes to financial literacy? Proposition of an indicator and analysis of gender differences. Journal of Behavioral and Experimental Finance, 17, 28–41.
https://doi.org/10.1016/j.jbef.2017.12.005
Saputra, N. D., Hermawan, Y., & Kurniawan, K. (2024). Pengaruh Konformitas Teman Sebaya dan Money Availability Terhadap Impulse Buying Mahasiswa Melalui Self Control Sebagai Variabel Intervening. COSMOS: Jurnal Ilmu Pendidikan, Ekonomi Dan Teknologi, 2(1), 119–131.
Saragih, F. M. (2024). Financial Literacy and Financial Behaviour of Students in the Digital Economy Era in Pontianak. Moneter : Jurnal Keuangan Dan Perbankan, 12(3), 678–686.
https://ejournal2.uika-bogor.ac.id/index.php/MONETER/article/view/1286
Sevilla, C. G., Ochave, J. A., Punsalan, T. G., Regala, B. P., & Uriarte, G. G. (1992). Research Methods. Rex Bookstore, Inc.
Sharma, G. (2017). Pros and cons of different sampling techniques. International Journal of Applied Research (IJAR), 3(7), 749–752.
Solomon, M. R., & Rabolt, N. J. (2008). Consumer Behavior in Fashion (2nd ed.). Prentice Hall.
Sururin, S., Nawawi, M., Subchi, I., & Amyn, I. M. (2021). The Portrait of Social Media on Students’ Lifestyle and Education Culture. Tadris: Jurnal Keguruan Dan Ilmu Tarbiyah, 6(2), 287–295. https://doi.org/10.24042/tadris.v6i2.9039
Ting, M. S., Goh, Y. N., & Salmi, M. I. (2018). Inconspicuous Consumption of Luxury Goods among Malaysian Adults: An Investigation. Global Business and Management Research: An International Journal, 10(1), 313.
Tio, D., & Sobari, N. (2022). Conspicuous Consumption on Gen Z in Indonesia. Proceedings of the Brawijaya International Conference on Economics, Business and Finance 2021 (BICEBF 2021), 206, 136–142.
https://doi.org/10.2991/aebmr.k.220128.018
Veblen, T. (1998). The Theory of the Leisure Class: An Economic Study of Institutions. Prometheus.
Published
2025-11-02
How to Cite
Ziliwu, E., & Satato, Y. (2025). ANALYSIS OF FACTORS AFFECTING THE LEVEL OF CONSUMPTIVE BEHAVIOR AMONG STIEPARI SEMARANG STUDENTS LIVING IN BAWEN BOARDING HOUSES. Journal of Management : Small and Medium Enterprises (SMEs), 18(3), 1723-1736. https://doi.org/10.35508/jom.v18i3.21303
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Articles
