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COMPARISON OF CONSUMPTIVE BEHAVIOR AMONG STUDENTS

Oki Khairul Hikmah
Faculty of Islamic Economics, IAIN Syekh Nurjati Cirebon, Indonesia
Okikhairulhikmah2000@gmail.com

PAPER INFO ABSTRACT

Received: backgrounds: The influence of student consumptive behavior is influenced
10th November 2022 by several factors, both internal and external. The purpose of this study was
Revised: to compare the effects of spending, lifestyle, and self-control on the
15th November 2022 consumptive behavior of students between faculties at IAIN Syekh Nurjati
Approved: Cirebon.
20th November 2022 Aim: The subjects of this study were students of the Faculty of Tarbiyah and
Teacher Training (FITK) and the Faculty of Sharia and Islamic Economics
(FSEI). The population in this study found 8049 students.
Methods: The number of samples in this study were 381 students calculated
by the Slovin formula with an error rate of 5%. The data analysis method
used is the independent t-test analysis method.
Findings: The results of the study showed that the calculation of the
Comparative Test obtained, lifestyle differences were significant between
FITK and FSEI students. Where the average value of competition among
FSEI students is higher than the average value of FITK students.
Meanwhile, there is no significant difference between FITK and FSEI in the
Comparative Test of self-control and monthly expenses.
KEYWORDS Expenditure, Lifestyle, Self Control,and Consumptive Behavior

INTRODUCTION
In fulfilling something needs individual faced with one problem that is exists imbalance
in needs individual no limited with tool satisfaction limited needs (Astuti, 2013)one theory
motivation needs man is theory hierarchy needs created by Abraham Maslow. Inside say
something individuals who have five levels needs (Sada, 2017)
Physiological needs or needs characteristic physiological is the most basic of needs
man (Krismajayanti & Darma, 2021). For Fulfill needs physiological man need activity
consumption . Consumption is effort man in Fulfill his needs good that needs in a manner
physique or non- physical needs (Sukma & Canggih, 2021)
Shift meaning in consume something goods no again as fulfillment needs base
human,however as tool satisfaction desire . Behavior this conducted only for satisfying desire
that is increase quality style life (Desty R, 2017). According to (Haryana, 2020) explain that
consumption as activity use up score To use goods and services .
Islam also teaches Muslims so don't too miserly,and not too much either generous . A
consumer Muslim could say rational if he spend no only for characteristic items worldly
only,but for interest God's (Afrina, 2019)way current digital era this,society could with easy
transact in non- cash,and then appear the term cashless society ( society cashless ) .Presence
of electronic money could push rate Indonesia 's economy towards more good again (Delin,
2018). thisinfluence patterns and behavior consumption generation millennials in transact .
According to statistical data (Bank Indonesia, 2021) for 2017, 2018, 2019 and 2020 the
volume of electronic money transactions experience very fast increase namely in 2017 and

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Comparison Of Consumptive Behavior Among Students

experienced increase in 2018 and continues experience increase until in 2019 as well a little
decreased in 2020 because the presence of Covid-19 that causes panic in all activity .
Lifestyle is accompanying factor as well as in give influence to consumption,which is
style life alone is thing that is n't inseparable from life everyday . In the face style live a
cashless society at the moment this needed exists effort control yourself so as not to fell in
behavior hedonistic consumption or purchase impulsively (Ramadhani, 2019).
Behavior control self is method somebody in control or control behavior . A individual
who has level control high self will To do consideration about is decision behavior
consumption that is activity buy based on needs or only desire only . Control good self can
prevent from emergence behavior consumption,p this because could control behavior
cognitive and decision So,someone the could To do consumption with wise with fulfilled
need and don't behave consumptive ( Dikria & W., 2016).
Generation young and stylish live a cashless society have connection tightly with
development digital economy . because that,generation young as literate generation will
technology and life in the "internet of things" is considered could more easy adapt self with
digitization . Of course just Thing this in accordance with characteristics from Generation Z
is one of them is like students all something that practical and possible done through
cellphone or their e-money card ( Sukma & Canggih,2021).
Behavior consumptive is something many phenomena struck life society .
Phenomenon this interesting for researched,remember behavior too many consumers struck
life real student not yet have ability financial for Fulfill need one of them is student of IAIN
Sheikh Nurjati Cirebon.
Consumption in term daily according to ( Syi et al., 2019) often interpreted as
fulfillment will needs food and drink . Like case house stairs,students also do consumption .
Expenditure consumption student according to ( Flinsia,2014) is score shopping done student
for buy various type his needs .
Consumption according to (Ramadani, 2016) that is goods and services end needed
for Fulfill needs human . Goods and services the intended end is existing goods and services
ready consumed by consumers . consumer goods this consists from goods consumption very
out and stuff possible consumption used more from once .
According to (Melina & Wulandari, 2018), (Haryana, 2020)and(Kusnandar & Kurniawan,
2018) style life related with how method somebody use up time ( activity ), what people
consider important in the environment ( interests ), and what people think about self
themselves and the world around them ( opinions ). According to ( Yanto,2020) style life
refers to a pattern reflecting consumption choice somebody to various Thing as well as how
use up its time and money .
Lifestyle in (Pulungan & Febriaty, 2018)and(Kanserina, Haris, & Nuridja, 2015) defined as how
somebody live,incl how somebody use the money,allocate time and so on . Whereas
according to (Eli, 2021) states that style life is bunch meaningful behavior every individual
or anyone else at a at some point place,including inside connection social,consumption
goods,entertainment,and methods dress .
According to ( Caesarani,2021) control self is ability individual in modify
behavior,ability for manage information,as well ability individual in choose something action

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Comparison Of Consumptive Behavior Among Students

. Whereas according to ( Syifa,2020) that control self that is ability for control or control Act
behavior included in one nature influencing personality somebody in buy or using gadgets.
According to (Haryana, 2020) Control self refers to ability a individual in control
thoughts,emotions,stress even behavior someone . Whereas according to (Nurjanah, 2019)
control thoughts and actions in order to withhold encouragement from in nor from outside so
that could Act with right .
According to ( Mustomi et al., 2020) and(Abadi, Utomo, & Yusdita, 2020) Behavior
consumptive is behavior consume real stuff not enough or no required .
Meanwhile,according to (Rohman & Mintarti, 2018) behavior consumptive is something action
taken in a manner excessive to use something product .
Behavior consumptive according to (Pulungan & Febriaty, 2018) defined as action a
buy something goods without exists incoming consideration sense . Whereas (Dikria &
Mintarti, 2016), (Sari, 2018)and(Efendi, Wahyuni, & Zulianto, 2018) define behavior
consumptive as something action use product that doesn't complete including the processes
that preceded and followed action this .

METHODS
Population and Sample
The population is the whole ( universum ) of research objects, so that these objects can
be a source of research data. Meanwhile, the population according to (Amos Neolaka, 2020)
is a number of objects with certain characteristics that are the target of research. Population is
a generalization area that stands for objects or subjects that have certain characteristics
determined by researchers to be studied and then drawn conclusions.
The purpose of knowing the population is to be able to determine the size of the
sample taken from members of the population and limit the area of generalization. The
population in this study were students of the Faculty of Science and Teaching (FITK) and the
Faculty of Sharia and Islamic Economics (FSEI) IAIN Syekh Nurjati Cirebon 2021/2022.
Students of the Faculty of Science and Teaching (FITK) totaling 4,846 students and the
Faculty of Sharia and Islamic Economics (FSEI) IAIN Syekh Nurjati Cirebon in 2021/2022
totaling 3,203 students.
According to (Sugiyono, 2013)the sample, it is part of the number and characteristics
possessed by the population which are believed to represent the characteristics of the
population as a whole. Taking sample members which are part of the population members
must be done with a certain technique called the sampling technique. Likewise, to determine
the number of sample members, you must use certain formulas, graphs or tables. The
sampling technique in this study is the probability sample sampling) with the simple random
sampling method .
Profitability sampling technique (probability sampling) is a technique that provides
equal opportunities or opportunities for each member of the population to be used as a
sample. (Wiratna, 2020) The simple random sampling method is a sampling technique used
by researchers without specific considerations that are homogeneous and independent.
From the results of sample calculations for a population of 8,049 students of IAIN Syekh
Nurjati Cirebon Faculty of Sharia and Islamic Economics (FSEI) and Faculty of Tarbiyah and
Teaching Science (FITK) the result is 381.06 as the number of samples above is minimal to

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Comparison Of Consumptive Behavior Among Students

avoid sample error,then Researchers here will examine 381 students of IAIN Sheikh Nurjati
Cirebon.
In dividing the number of samples, the researchers used the population in the faculties,
namely the Faculty of Sharia and Islamic Economics (FSEI) and the Faculty of Tarbiyah and
Teaching Science (FTIK) by ignoring the proportional number in each department in the
Faculty of Sharia and Islamic Economics (FSEI) and the Faculty of Tarbiyah Sciences and
Teacher Training (FTIK) at IAIN Syekh Nurjati Cirebon.

Research design
Figure 1 Framework Thinking
FSEI FITK

Expenditure Expenditures
(X1) (X1)
Student
( X1) ( X1)
Lifestyle Consumptive Lifestyle
(X2) Behavior (Y) (X2)

Self control Self Control

(X3) (X3)
(X2 (X2)

Data Processing Flow

This study will conduct a comparative study on consumptive behavior with spending
(X1), lifestyle (X2), and self-control (X3) as independent variables on consumptive behavior
in students of the Faculty of Sharia and Islamic Economics (FSEI) and the Faculty of
Tarbiyah and Teaching Sciences ( FITK) as the dependent variable. In this study using
prerequisite tests that need to be calculated or tested are normality and homogeneity. The data
analysis method used is independent t-test analysis to find out whether there is a difference in
the average.

RESULTS AND DISCUSSION

Initial stage study this is test is the data collected have eligibility requirements
for analyzed . Researcher using the assumption test classic normality and homogeneity
test,with results as following :

Normality test
Study this could interpreted in the table normality approach Kolmogorov- Smirnov
elaborated as following :

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Comparison Of Consumptive Behavior Among Students

Table 1 Normality Test Results Faculty Knowledge Tarbiyah and Teacher Training
(FITK) and Faculty of Sharia and Islamic Economics (FSEI)
One-Sample Kolmogorov-Smirnov Test

Unstandardized
Residual
N 229
Mean 0
Normal Parametersa,b
Std. Deviation 3.08788279
Absolute 0.045
Most Extreme
Positive 0.045
Differences
Negative -0.035
Test Statistic 0.045
Asymp. Sig. (2-tailed) .200c,d
a. Test distribution is Normal.
b. Calculated from data.
c. Lilliefors Significance Correction.
d. This is a lower bound of the true significance.
( Source : Primary Data, Obtained year 2022 )
Based on normality test data results use method Kolomogorov -Smirnov in Table 1,
obtained score significance of 0.200 > 0.05 so could concluded that data normally distributed
which means assumption base about normalcy has fulfilled .

Homogeneity Test
Homogeneity Test conducted for knowing is variant between compared groups in
comparative tests,identical or no . In comparative test each required group have
homogeneous variance,so that worthy for compared . Homogeneity test results could seen in
the table below :
Table 2 Homogeneity Test Results
Test of Homogeneity of Variances
Levene Statistics df1 df2 Sig.
.026 1 330 .873
( Source : Primary Data, Obtained year 2022 )
Based on results table 2, shows that data in study this homogeneous . this could seen
from score significance 0.873. Because of value significance more big from 0.05 .

Comparison Test
After An assumption test is carried out which includes the normality test and
homogeneity test then then T test is carried out. The T test is analyze data for knowing T
results as well its significance with use T-Test formula with analysis "Independent Sample T
Test ". Test it used for test significance the average difference is two group . For compare
behavior consumptive to students Faculty Knowledge Tarbiyah and Teacher Training (FITK)
and the Faculty of Sharia and Islamic Economics (FSEI) IAIN Sheikh Nurjati Cirebon. With
hypothesis as following :
Ho : None difference output,style live,control self Among FSEI and FITK IAIN Sheikh
students Nurjati Cirebon.
H1 : There is difference output,style live,control self Among FSEI and FITK IAIN
Sheikh students Nurjati Cirebon.

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Comparison Of Consumptive Behavior Among Students

Comparison Test Expenditures (X1)

Following is the T Test on Variables Expenditures (X1) with analysis “Independent
Sample T Test ”:
Table 3 Group Statistics Expenditures (X1)
Group Statistics
std. std. Error
Faculty N Means Deviation Means
Expenditure FITK 229 34.47 5,987 .396
FSEI 152 36.39 6.175 .501
( Source : Primary Data, Obtained year 2022 )
In the table above showing that for average spending value student Faculty Knowledge
Tarbiyah and Teacher Training (FITK) is of 34.47 while in students Faculty of Sharia and
Islamic Economics (FSEI) average spending of 36.39. From the results the could taken
conclusion that there is difference Among the average value of spending on students Faculty
Knowledge Tarbiyah and Teacher Training (FITK) and students Faculty of Sharia and
Islamic Economics (FSEI).
Where is the average value of spending on students Faculty of Sharia and Islamic
Economics (FSEI) more tall compared student average score Faculty Knowledge Tarbiyah
and Teacher Training (FITK) namely 36.39 > 34.47. It means expenses perceived by students
Faculty of Sharia and Islamic Economics (FSEI) more tall if compared student Faculty
Knowledge Tarbiyah and Teacher Training (FITK).

Table 4 Independent Sample T Test Expenditures (X1)

Independent Samples Test
Levene's Test for
Equality of Variances t-test for Equality of Means 95% Confidence
Sig. (2- Mean Std. Error Interval of the
F Sig. t df tailed) Difference Difference Lower Upper
Pengeluar Equal
an variances .007 .935 -3.021 379 .003 -1.917 .634 -3.164 -.669
assumed
Equal
variances
-3.003 316.593 .003 -1.917 .638 -3.172 -.661
not
assumed

( Source : Primary Data, Obtained year 2022 )

From the table that,the value of sig. (2-tailed) obtained 0.003 <0.05 means that Ho is
rejected and Ha is accepted,with sig . (2- tailed) exists significant difference Among
expenditure student Faculty Knowledge Tarbiyah and Teacher Training and students Faculty
of Sharia and Islamic Economics.

Lifestyle Comparison Test (X2)

Following is the T Test on Lifestyle Variables (X2) with analysis “Independent Sample
T Test ”:
Table 5 Group Statistics of Lifestyle (X2)
Group Statistics
std.
Faculty N Means Deviation std. Error Means
Lifestyle FITK 229 23.69 6,558 .433
FSEI 152 25.05 6,510 .528
( Source : Primary Data, Obtained year 2022 )
In the table above showing that for style average life student Faculty Knowledge
Tarbiyah and Teacher Training (FITK) is of 23.69 while in students Faculty of Sharia
and Islamic Economics (FSEI) average style life of 25.05. From the results the could

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Comparison Of Consumptive Behavior Among Students

taken conclusion that there is difference Among style average live on students Faculty
Knowledge Tarbiyah and Teacher Training (FITK) and students Faculty of Sharia and
Islamic Economics (FSEI).
Where is the average value of the style live on students Faculty of Sharia and
Islamic Economics (FSEI) more tall compared student average score Faculty
Knowledge Tarbiyah and Teacher Training (FITK) namely 25.05 > 23.69. It means
style life perceived by students Faculty of Sharia and Islamic Economics (FSEI) more
tall if compared student Faculty Knowledge Tarbiyah and Teacher Training (FITK).
Table 6 Independent Sample T Test Lifestyle (X2)
Independent Samples Test
Levene's Test for
Equality of Variances t-test for Equality of Means 95% Confidence
Sig. (2- Mean Std. Error Interval of the
F Sig. t df tailed) Difference Difference Lower Upper
Gaya Equal
Hidup variances .186 .667 -1.976 379 .049 -1.352 .684 -2.697 -.007
assumed
Equal
variances
-1.979 325.211 .049 -1.352 .683 -2.696 -.008
not
assumed

( Source : Primary Data, Obtained year 2022 )

From the table that,the value of sig. (2-tailed) obtained 0.049 <0.05 means that
Ho is rejected and Ha is accepted,with sig . (2- tailed) exists significant difference
Among style life student Faculty Knowledge Tarbiyah and Teacher Training (FITK)
and students Faculty of Sharia and Islamic Economics (FSEI).
Comparison Test Self Control (X3)
Following is the T-Test with analysis "Independent Sample T Test ". on Variables
Self- Control (X3) in students Faculty Knowledge Tarbiyah and Teacher Training
(FITK) and students Faculty of Sharia and Islamic Economics (FSEI):

Table 7 Group Statistics of Self Control (X3)

Group Statistics
Facult std. std. Error
y N Means Deviation Means
Self FITK 229 38.76 3,781 .250
Control FSEI 152 39.03 4,083 .331
( Source : Primary Data, Obtained year 2022 )
In the table above showing that for the average value of control self student
Faculty Knowledge Tarbiyah and Teacher Training (FITK) is of 38.76 while in students
Faculty of Sharia and Islamic Economics (FSEI) average style life of 39.03. From the
results the could taken conclusion that there is difference Among the average value of
control themselves to students Faculty Knowledge Tarbiyah and Teacher Training
(FITK) and students Faculty of Sharia and Islamic Economics (FSEI).
Where is the average value of control themselves to students Faculty of Sharia
and Islamic Economics (FSEI) more tall compared student average score Faculty
Knowledge Tarbiyah and Teacher Training (FITK) namely 38.76 > 39.03. It means
control self perceived by students Faculty of Sharia and Islamic Economics (FSEI)
more tall if compared student Faculty Knowledge Tarbiyah and Teacher Training
(FITK).

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Comparison Of Consumptive Behavior Among Students

Table 8 Independent Sample T Test Self Control (X3)

Independent Samples Test
Levene's Test for
Equality of Variances t-test for Equality of Means 95% Confidence
Sig. (2- Mean Std. Error Interval of the
F Sig. t df tailed) Difference Difference Lower Upper
Pengenda Equal
lian Diri variances 1.456 .228 -.642 379 .521 -.262 .408 -1.065 .541
assumed
Equal
variances
-.632 306.099 .528 -.262 .415 -1.079 .554
not
assumed

( Source : Primary Data, Obtained year 2022 )

From the table that,the value of sig. (2-tailed) obtained 0.521 > 0.05 means that
Ho is accepted and Ha is rejected,with sig . (2- tailed) can concluded no there is
significant difference Among control self student Faculty Knowledge Tarbiyah and
Teacher Training (FITK) and students Faculty of Sharia and Islamic Economics (FSEI).
Comparison Test Expenditure Monthly
Following is the T Test on the Following is the T Test on Expenditures Monthly
with analysis “Independent Sample T Test ”:
Table 9 Expenditure Statistics Group Monthly
Group Statistics
std. std. Error
Faculty N Means Deviation Means
Expenditur FITK 229 1.31 .519 .034
e FSEI 152 1.33 .537 044
( Source : Primary Data, Obtained year 2022 )
In the table above showing that for average spending value monthly student
Faculty Knowledge Tarbiyah and Teacher Training (FITK) is of 1.31 while in students
Faculty of Sharia and Islamic Economics (FSEI) average style life of 1.33. From the
results the could taken conclusion that there is difference Among average spending
value monthly for students Faculty Knowledge Tarbiyah and Teacher Training (FITK)
and students Faculty of Sharia and Islamic Economics (FSEI). Where is the average
value of spending monthly for students Faculty of Sharia and Islamic Economics
(FSEI) more tall compared student average score Faculty Knowledge Tarbiyah and
Teacher Training (FITK) namely 1.31 > 31.33. It means control self perceived by FSEI
students is more tall if compared FITC students .

Table 10 Independent Sample T Test Expenditure Monthly

Independent Samples Test
Levene's Test for
Equality of Variances t-test for Equality of Means 95% Confidence
Interval of the
Sig. (2- Mean Std. Error
F Sig. t df tailed) Difference Difference Lower Upper
Pengeluar Equal
an variances .316 .574 -.264 379 .792 -.015 .055 -.123 .094
assumed
Equal
variances
-.262 315.751 .793 -.015 .055 -.124 .095
not
assumed

( Source : Primary Data, Obtained year 2022 )

From the table that,the value of sig. (2-tailed) obtained 0.792 > 0.05 means that
Ho is accepted and Ha is rejected,with sig . (2- tailed) can concluded no there is
significant difference Among expenditure monthly student Faculty Knowledge
Tarbiyah and Teacher Training (FITK) and students Faculty of Sharia and Islamic
Economics (FSEI).

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Comparison Of Consumptive Behavior Among Students

CONCLUSION
Based on results analysis calculation sig . (2-tailed) in the comparison test obtained
Expenses and Lifestyle are available significant difference where the average value of
spending on students Faculty of Sharia and Islamic Economics (FSEI) more tall compared
student average score Faculty Knowledge Tarbiyah and Teacher Training (FITK). Whereas
Self- Control and Spending Monthly no there is significant difference Among student
Faculty Knowledge Tarbiyah and Teacher Training (FITK) and students Faculty of Sharia
and Islamic Economics (FSEI).

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