The Impact Of Self-Control And Lifestyle On Sharia Financial Behavior With Religiosity As A Moderating Variable Among Young Workers In Klaten

Abdul Hadi

Abstract


This study aims to analyze the impact of self-control and lifestyle on Sharia financial behavior with religiosity as a moderating variable among young workers in Klaten. The method used in this research is a quantitative approach utilizing a questionnaire as the data collection instrument. Data analysis was performed using the path analysis method. The results of the study indicate that self-control and lifestyle have a positive and significant impact on Sharia financial behavior. Additionally, religiosity significantly moderates the relationship between self-control and Sharia financial behavior. However, religiosity does not significantly moderate the relationship between lifestyle and Sharia financial behavior. These findings suggest that self-control and lifestyle play crucial roles in shaping Sharia financial behavior, with the influence of self-control being stronger when religiosity is high. Therefore, increasing financial literacy and strengthening religious values among young workers is essential to promote wiser financial behavior in line with Sharia principles.

Keywords


self-control, lifestyle, religiosity, Sharia financial behavior, young workers

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DOI: http://dx.doi.org/10.29040/jiei.v10i3.15135

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Jurnal Ilmiah Ekonomi Islam, ISSN 2477-6157 l E-ISSN 2579-6534

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