Consumptive Behaviour Smoking Intensity Factors Worsening Student Financial Management Financial Literacy Self-Control Implications


Authors

(1) * Siti Rohmah   (Institut Agama Islam Miftahul Ulum Pamekasan, Indonesia)  
        Indonesia
(2)  Moh. Mohlas   (Universitas Nurul Jadid, Indonesia)  
        Indonesia
(*) Corresponding Author

Abstract


Smoking behavior among university students has increasingly raised concerns because it may undermine responsible financial management and economic well-being. This study aims to examine how smoking intensity, financial literacy, and self-control influence students’ financial management behavior. A qualitative case study design was employed, involving 15 informants: 10 student smokers, 3 students with good financial practices, and 2 academic staff members. Data were collected through semi-structured interviews, non-participant observations, and document analysis and were analyzed using data condensation, reduction, display, and verification procedures. The findings indicate that students consumed approximately 8–15 cigarettes daily, purchased cigarettes two to three times per day, and frequently prioritized cigarettes over essential expenditures. Conversely, financially literate students demonstrated stronger budgeting practices, while students with higher self-control consistently monitored spending and maintained savings plans. This study contributes by integrating smoking intensity into an Islamic behavioral economics framework and recommends behavior-based financial literacy interventions for students.



Full Text: PDF



References


Adeloye, D., Song, P., Zhu, Y., Campbell, H., Sheik, A., & Rudan, I. (2022). Global, Regional, and National Prevalence of, and Risk Factors for, Chronic Obstructive Pulmonary Disease (COPD) in 2019: A Systematic Review and Modeling Analysis. The Lancet Respiratory Medicine, 10(5), 447–458. https://doi.org/10.1016/S2213-2600(21)00511-7

Adi, T. W., Prabowo, E., & Prasadjaningsih, O. (2022). Influence of Electricity Consumption of Industrial and Business Electricity Price, Inflation, and Interest Rate on GDP and Investments in Indonesia. International Journal of Energy Economics and Policy, 12(3), 331–340. https://doi.org/10.32479/ijeep.13022

Alvarado, R., Deng, Q., Tillaguango, B., Méndez, P., Bravo, D., Chamba, J., Alvarado-López, M., & Ahmad, M. (2021). Do Economic Development and Human Capital Decrease Non-Renewable Energy Consumption? Evidence for OECD Countries. Energy, 215. https://doi.org/10.1016/j.energy.2020.119147

Anggara, & Yunia Fauzia, I. (2024). The Role of Islamic Financial Literacy in Preventing Online Slot Gambling among Gen-Z. Journal Justisia Ekonomika: Magister Hukum Ekonomi Syariah, 8(2), 1190–1201. https://doi.org/10.30651/justeko.v8i2.24023

Badria, N., Hasanah, N., & Amin, M. (2024). Religiosity, Financial Literacy, and Frugal Living: A Holistic Pathway to Sustainable Wealth among Young Muslim Entrepreneurs. JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen, 21(2), 281–306. https://doi.org/10.31106/jema.v21i2.22451

Chaika, O. (2025). Educational Policy and Reforms: The Impact of Globalization. In Educational Policy and Reforms: The Impact of Globalization. https://doi.org/10.15587/978-617-8360-20-7

Cole, R. (2024). Inter-Rater Reliability Methods in Qualitative Case Study Research. Sociological Methods and Research, 53(4), 1944–1975. https://doi.org/10.1177/00491241231156971

Drašček, M., Andolšek, D. M., & Buhovac, A. R. (2023). Ethical Decision-Making in Management: Perspectives of the Philosopher, the Sociologist, and the Manager. In Ethical Decision-Making in Management: Perspectives of the Philosopher, the Sociologist, and the Manager. https://doi.org/10.4324/9781003255604

Elhusseini, S. A., Tischner, C. M., Aspiranti, K. B., & Fedewa, A. L. (2022). A Quantitative Review of the Effects of Self-Regulation Interventions on Primary and Secondary Student Academic Achievement. Metacognition and Learning, 17(3), 1117–1139. https://doi.org/10.1007/s11409-022-09311-0

Erdin, C., & Ozkaya, G. (2020). Contribution of Small and Medium Enterprises to Economic Development and Quality of Life in Turkey. Heliyon, 6(2). https://doi.org/10.1016/j.heliyon.2020.e03215

Erdoğan, S., Yıldırım, D. Ç., & Gedikli, A. (2020). Natural Resource Abundance, Financial Development, and Economic Growth: An Investigation of Next-11 Countries. Resources Policy, 65. https://doi.org/10.1016/j.resourpol.2019.101559

Etilé, F. (2022). Economic Perspectives on Food Choices, Marketing, and Consumer Welfare. Journal of Law, Medicine and Ethics, 50(2), 221–232. https://doi.org/10.1017/jme.2022.46

Fadli, M. (2021). Understanding Qualitative Research Method Design. Humanika: Kajian Ilmiah Mata Kuliah Umum, 21(1), 33–54. https://doi.org/10.21831/hum.v21i1

Ge, Y., Yuan, Q., Wang, Y., & Park, K. (2021). The Structural Relationship among Perceived Service Quality, Perceived Value, and Customer Satisfaction-Focused on Starbucks Reserve Coffee Shops in Shanghai, China. Sustainability (Switzerland), 13(15). https://doi.org/10.3390/su13158633

Guo, F., Tian, Y., Zhong, F., Wu, C., Cui, Y., & Huang, C. (2020). Intensity of Physical Activity and Depressive Symptoms in College Students: Fitness Improvement Tactics in the Youth (fityou) Project. Psychology Research and Behavior Management, 13, 797–811. https://doi.org/10.2147/PRBM.S266511

Hung, N. T. (2023). Green Investment, Financial Development, Digitalization and Economic Sustainability in Vietnam: Evidence from a Quantile-On-Quantile Regression and Wavelet Coherence. Technological Forecasting and Social Change, 186. https://doi.org/10.1016/j.techfore.2022.122185

Islam, S., Khan, I., Al, A., Ashik, M., Hossain, E., Rahman, M., & Rahman, S. (2024). Big Data in Economic Recovery: A Policy-Oriented Study on Data Analytics for Crisis Management and Growth Planning. Journal of Computational Analysis and Applications (JoCAAA), 33(07), 2349–2367. https://eudoxuspress.com/index.php/pub/article/view/3338

Jamilah, J.A. Carus, M., & Cingiz. (2025). Women and Formal Divorce in Contemporary Indonesia: Gender and Agency in Muslim Women’s Reasons for Divorce and Decision-making Processes. Sustainability (Switzerland), 11(1), 1–14.

Jaseena, K. U., & Kovoor, B. C. (2021). Decomposition-Based Hybrid Wind Speed Forecasting Model using Deep Bidirectional LSTM Networks. Energy Conversion and Management, 234. https://doi.org/10.1016/j.enconman.2021.113944

Kekeya, J. (2023). Qualitative Case Study Research Design : The Commonalities and Differences between Collective, Intrinsic and Instrumental Case Studies. Contemporary PNG Studies, 36(2008), 29–30. https://search.informit.org/doi/10.3316/informit.356219476950585

Kumar, S., Rao, S., Goyal, K., & Goyal, N. (2022). Journal of Behavioral and Experimental Finance: A Bibliometric Overview. Journal of Behavioral and Experimental Finance, 34, 100652. https://doi.org/10.1016/j.jbef.2022.100652

Kuokkanen, H., & Sun, W. (2020). Companies, Meet Ethical Consumers: Strategic CSR Management to Impact Consumer Choice. Journal of Business Ethics, 166(2), 403–423. https://doi.org/10.1007/s10551-019-04145-4

Lee, P. S., Liu, M. J., Ma, L. Y., & Pan, C. H. (2024). A Qualitative Research Approach to Collect Insights of College Students Engaging in A University Social Responsibility Project with Augmented Reality. In Lecture Notes in Computer Science (including subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics): Vol. 14690 LNCS (pp. 224–237). https://doi.org/10.1007/978-3-031-60114-9_16

Nanda, A. P., & Banerjee, R. (2021). Consumer’s Subjective Financial Well-Being: A Systematic Review and Research Agenda. International Journal of Consumer Studies, 45(4), 750–776. https://doi.org/10.1111/ijcs.12668

Onodi, B. E., Ibiam, O., & Akujor, J. C. (2021). Management Accounting Information System and the Financial Performance of Consumer Goods Firms in Nigeria. European Journal of Business and Management Research, 6(1), 112–120. https://doi.org/10.24018/ejbmr.2021.6.1.684

Pata, U. K., Caglar, A. E., Kartal, M. T., & Kılıç Depren, S. (2023). Evaluation of the Role of Clean Energy Technologies, Human Capital, Urbanization, and Income on the Environmental Quality in the United States. Journal of Cleaner Production, 402. https://doi.org/10.1016/j.jclepro.2023.136802

Pereira, P. A., & Kusumahadi, T. A. (2025). Analyzing Financial Performance: How Financial Ratios Influence The Stock Price of PT Bank Central Asia. Jurnal Ekonomi Dan Manajemen, 17(2), 72–89.

Pham, T. (2023). Statement of Retraction: Influence of the Social and Economic Characteristics of Saudi Women on Their Attitudes Toward Empowering Them in the Online Labor Market. In Journal of Sustainable Finance and Investment (Vol. 13, Issue 2, pp. 1128–1130). https://doi.org/10.1080/20430795.2023.2178603

Puspitaningsih, R., & Jati, H. K. (2023). Factors influencing fintech payment user use of the Unified Theory of Acceptance and Use of Technology 2 model (UTAUT 2) in Bandung. In AIP Conference Proceedings (Vol. 2772). https://doi.org/10.1063/5.0116062

Riinawati & Wahyudin. (2024). Strategic Financial Planning for Long-Term Sustainability in Madrasah Aliyah. Nazhruna: Jurnal Pendidikan Islam, 7(3), 493–511. https://doi.org/10.31538/nzh.v7i3.1

Rodríguez-Correa, P. A., Arias García, S., Bermeo-Giraldo, M. C., Valencia-Arias, A., Martínez Rojas, E., Aurora Vigo, E. F., & Gallegos, A. (2025). Financial Literacy among Young College Students: Advancements and Future Directions . F1000Research, 14, 113. https://doi.org/10.12688/f1000research.159085.3

Sait, M. A., Almunawar, M. N., Anshari, M., & Masri, M. (2023). Digital Wallet Adoption in Supporting Financial Inclusion: A Conceptual Framework. In 2023 International Conference on Sustainable Islamic Business and Finance, SIBF 2023 (pp. 189–194). https://doi.org/10.1109/SIBF60067.2023.10380043

Sarlawa, R., & Ali, M. (2025). Determinants of Financial Well-Being : A Systematic Review of SEM Evidence. Jurnal Ilmiah Akuntansi Kesatuan, 13(6), 1865–1882. https://doi.org/10.37641/jiakes.v13i6.4477

Shi, A., Li, X., & Li, Z. (2022). Optimal Investment, Consumption, and Life Insurance Choices with Habit Formation and Inflation Risk. Complexity, 2022. https://doi.org/10.1155/2022/3440037

Soesana, A., Subakti, H., Salamun, S., Tasrim, I. W., Karwanto, K., Falani, I., Bukidz, D. P., & Pasaribu, A. N. (2023). Qualitative Research Methodology. In Journal of Sustainable Finance and Investment (Vol. 13, Issue 2, pp. 1128–1130). https://doi.org/10.1080/20430795.2023.2178603

Solorza, M. (2021). Responsible Fiscal Policy and Economic Development: A Challenge for Latin America After COVID-19. International Journal of Political Economy, 50(3), 198–211. https://doi.org/10.1080/08911916.2021.1984968

Ullah, S., Adebayo, T. S., Irfan, M., & Abbas, S. (2023). Environmental Quality and Energy Transition Prospects for G-7 Economies: The Prominence of Environment-Related ICT Innovations, Financial and Human Development. Journal of Environmental Management, 342. https://doi.org/10.1016/j.jenvman.2023.118120

Villani, A., Barolli, E., & Nascimento, W. E. (2021). Revisiting Teaching Trajectories: A Synergy between Contexts and Provisions. Investigações Em Ensino De Ciências, 25(3), 270–299. https://doi.org/10.22600/1518-8795.IENCI2020V25N3P270

Woraphiphat, I., & Roopsuwankun, P. (2023). The Impact of Online Design Thinking-Based Learning on Entrepreneurial Intention: The Case of Vocational College. Journal of Innovation and Entrepreneurship, 12(1), 10. https://doi.org/10.1186/s13731-023-00278-z

Yadav, G., Luthra, S., Huisingh, D., Mangla, S. K., Narkhede, B. E., & Liu, Y. (2020). Development of a Lean Manufacturing Framework to Enhance its Adoption within Manufacturing Companies in Developing Economies. Journal of Cleaner Production, 245. https://doi.org/10.1016/j.jclepro.2019.118726

Yazar, O., & Aybars, A. (2024). Fiduciary Duty and ESG Investing. In Sustainable Finance: Challenges, Opportunities and Future Prospects (pp. 167–186).




Refbacks

  • There are currently no refbacks.


Islamic Finance and Economic Insights Published by Lembaga Penerbitan, Penelitian, dan Pengabdian kepada Masyarakat (LP3M) of Nurul Jadid University, Paiton, Probolinggo, East Java, Indonesia.

Adress : PO BOX 1 Tanjung, Paiton, Probolinggo, East Java