Peran Literasi Keuangan dan Religiusitas dalam Membentuk Perilaku Konsumsi Islami Mahasiswa

Purpose- This study aims to analyse the effect of financial literacy and religiosity on Islamic consumption behaviour among female students of the Faculty of Islamic Economics and Business, Universitas KH. Mukhtar Syafaat Blokagung Banyuwangi. The study is positioned in the context of digital consumption, pesantren-based higher education, and the need to integrate financial knowledge with Islamic values in daily consumption decisions. Design/methodology- This research applies an associative quantitative approach. The population consisted of 133 female students living at Darussalam Blokagung Islamic Boarding School. The target sample was 100 respondents, selected using the Slovin formula and proportional random sampling; after data screening, 57 complete, usable responses were analysed. The instrument used a Likert scale and measured financial literacy, religiosity, and Islamic consumption behaviour. Data were analysed using validity and reliability tests, classical assumption tests, multiple linear regression, t-test, F-test, and coefficient of determination with SPSS. Findings- Financial literacy has no significant effect on Islamic consumption behaviour, indicating that financial knowledge alone is insufficient to shape consumption that is consistent with sharia principles. Religiosity has a positive and significant effect, showing that stronger internalization of Islamic values encourages more rational, ethical, halal, thayyib, moderate, and non-wasteful consumption. The study implies that Islamic economics education should not only strengthen cognitive financial literacy but also integrate habituation, self-control, and religious value internalization in consumption practices