The effect of use of electronic money (funds) on students' consumptive behavior
Keywords:
Consumptive Behavior, DAYS, Electronic MoneyAbstract
This study aims to explore how the use of electronic money affects the consumptive behavior of Management students in the Management Study Program at Fajar University, Makassar. It employs a quantitative research approach. The study's population consists of Management students from the 2019, 2020, and 2021 cohorts at Fajar University, totaling 391 students, with a sample size of 80. Purposive sampling was used for data collection, which was carried out through a questionnaire (Google Form), and the data were analyzed using simple linear regression. The findings indicate a positive but weak and minimal impact of electronic money usage (DANA) on the consumptive behavior of students, with convenience being a contributing factor. However, the adoption of DANA is not widely favored by students, particularly for transactional purposes. Additionally, other factors not included in this study, such as benefits, promotions, attitudes toward usage, risks, and service features, may also influence this behavior.
References
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Dwi Rorin Mauludin Insana, & Ria Susanti Johan. (2020). ANALISIS PENGARUH PENGGUNAN UANG ELEKTRONIK TERHADAP PERILAKU KONSUMTIF MAHASISWA PENDIDIKAN EKONOMI UNIVERSITAS INDRAPRASTA PGRI. Journal of Applied Business and Economics (JABE), 7(2), 209–224. https://doi.org/http://dx.doi.org/10.30998/jabe.v7i2.7822
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Rahma, M., Arifin, W., & Cahya, S. B. (2024). PENGARUH PENGGUNAAN PLATFORM DIGITAL MONEY DAN PLATFORM E-COMMERCE TERHADAP PERILAKU KONSUMTIF MAHASISWA. Jurnal Pendidikan Tata Niaga (JPTN), 12(2), 263–272.
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Rorin Mauludin Insana, D., & Susanti Johan, R. (2021). Analisis Pengaruh Penggunan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa. Relasi : Jurnal Ekonomi, 17(2), 413–434.
Santoso, A. D., Wulandari, R. S., Risdwiyanto, A., Ahmad, N., & Judijanto, L. (2023). Analysis of Digital Consumption Patterns of Digital Wallet Transaction Users in Indonesian Big Cities. Jurnal Sistim Informasi Dan Teknologi, 5(4), 25–31. https://doi.org/10.60083/jsisfotek.v5i4.316
Saputri, R., & Setiawan, A. (2024). Unlocking Consumer Behavior: The Impact of DANA E-Wallet, Lifestyle, and Self-Control. Journal of Islamic Studies and Education, 03(01), 1–12.
Yahya, A. (2021). Determinan Perilaku Konsumtif Mahasiswa. Jurnal Pengembangan Wiraswasta, 23(1), 37–50. https://doi.org/10.33370/jpw.v23i1.506
Yousef, F. (2024). The Impact of E-Wallets on Consumer Spending Behavior and Financial Management. International Journal for Scientific Research, 3(12), 429–456. https://doi.org/10.59992/IJSR.2024.v3n12p12
Bank Indonesia. (2018, May 7). Peraturan Bank Indonesia Nomor 20/6/PBI/2018 Tentang UangElektronik. https://www.bi.go.id/id/publikasi/peraturan/Pages/PBI-200618.aspx
Bank Indonesia. (2020). Sistem Pembayaran & Pengelolaan Uang Rupiah. Bank Indonesia. https://www.bi.go.id/PJSPQRIS/default.aspx
Della Angelina Simanjuntak, P., & Nurhadi. (2023). The Influence Of Convenience, Trust And Habits On The Use Of E-Wallet Dana (Studies On Students At UPN “Veteran†East Java). Management Studies and Entrepreneurship Journal, 4(5), 6970–6980. http://journal.yrpipku.com/index.php/msej
Dewi, L. G. K., Herawati, N. T., & Adiputra, I. M. P. (2021). PENGGUNAAN E-MONEY TERHADAP PERILAKU KONSUMTIF MAHASISWA YANG DIMEDIASI KONTROL DIRI. EKUITAS (Jurnal Ekonomi Dan Keuangan), 5(1), 1–19. https://doi.org/10.24034/j25485024.y2021.v5.i1.4669
Diani, E. U., Yudisiani, E., & Vuspa, S. (2020). Pengaruh Persepsi Mahasiswa Mengenai E-Money Terhadap Pelaku Pengguna Aplikasi Dana (Studi Pada Mahasiswa Universitas Bengkulu). JURNAL KAGANGA, 4(2), 1–8.
Didied, N. M., Yunitasari, F., & Oktavina Diah Puspita. (2022). Effect of promotion, perceived usefulness, and perceived ease of use on interest in adopting e-wallet (Ovo And Dana). International Journal of Research in Business and Social Science (2147- 4478), 11(8), 191–201. https://doi.org/10.20525/ijrbs.v11i8.2060
Dwi Rorin Mauludin Insana, & Ria Susanti Johan. (2020). ANALISIS PENGARUH PENGGUNAN UANG ELEKTRONIK TERHADAP PERILAKU KONSUMTIF MAHASISWA PENDIDIKAN EKONOMI UNIVERSITAS INDRAPRASTA PGRI. Journal of Applied Business and Economics (JABE), 7(2), 209–224. https://doi.org/http://dx.doi.org/10.30998/jabe.v7i2.7822
Ghaith, M. M., & Ghaith, Y. M. (2022). Impact Of E-Payment System On Consumer Buying Behavior: A Study In Jordan. Journal of Positive School Psychology, 6(8), 3813–3824. http://journalppw.com
Ledy Afista, T., Lulu Fuadina, A., Aldi, R., & Ayu Nofirda, F. (2024). Analisis Perilaku Konsumtif Gen-Z Terhadap Digital E-wallet DANA. Jurnal Pendidikan Tambusai, 8(1), 3344–3350.
Liao, S. H., & Ho, C. H. (2021). Mobile Payment and Mobile Application (App) Behavior for Online Recommendations. Journal of Organizational and End User Computing, 33(6), 1–26. https://doi.org/10.4018/JOEUC.20211101.oa2
Nada Aliyah Akbar, P., & Rachmawati, R. (2023). Analysis of Factors that Influence the Use of Electronic Money in Indonesia. International Journal of Science and Society, 5(5), 439–459. https://doi.org/https://doi.org/10.54783/ijsoc.v5i5.888
Nofriani, O., & Wira, A. (2024). PENGGUNAAN UANG ELEKTRONIK DAN UANG VIRTUAL SEBAGAI PENGGANTI UANG TUNAI DI INDONESIA. Journal of Economics and Islamic Economics, 4(1), 34–48. http://ejournal.iain-manado.ac.id/index.php/maqrizi
Nurdian, A., Sari, D., Malik, Z. A., & Hidayat, R. (2020). Pengaruh Penggunaan Uang Elektronik (E-Money) terhadap Perilaku Konsumen. Hukum Ekonomi Syariah, 6(1), 1–4.
Pradana, A., & Pratama, D. (2022). PENGARUH PENGGUNAAN KARTU DEBIT DAN UANG ELEKTRONIK (E-MONEY) TERHADAP PENGELUARAN KONSUMSI MAHASISWA. AT TAUZI’ : JURNAL EKONOMI ISLAM, 22(2), 41–51.
Rahma, M., Arifin, W., & Cahya, S. B. (2024). PENGARUH PENGGUNAAN PLATFORM DIGITAL MONEY DAN PLATFORM E-COMMERCE TERHADAP PERILAKU KONSUMTIF MAHASISWA. Jurnal Pendidikan Tata Niaga (JPTN), 12(2), 263–272.
Rohman Juani. (2022, December 12). Penggunaan Uang Jaminan Lelang berupa Uang Elektronik Berbasis Server. DJKN. https://www.djkn.kemenkeu.go.id/artikel/baca/15691/Penggu%20naanUangJaminanLelangberupaUangElektronikBerbasisServer.html#:~:text=%20Contoh%20uang%20elektronik20berbasis%20chip,%2C%20GoPay%2C%20%20Dana%20dan%20ShopeePay
Rorin Mauludin Insana, D., & Susanti Johan, R. (2021). Analisis Pengaruh Penggunan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa. Relasi : Jurnal Ekonomi, 17(2), 413–434.
Santoso, A. D., Wulandari, R. S., Risdwiyanto, A., Ahmad, N., & Judijanto, L. (2023). Analysis of Digital Consumption Patterns of Digital Wallet Transaction Users in Indonesian Big Cities. Jurnal Sistim Informasi Dan Teknologi, 5(4), 25–31. https://doi.org/10.60083/jsisfotek.v5i4.316
Saputri, R., & Setiawan, A. (2024). Unlocking Consumer Behavior: The Impact of DANA E-Wallet, Lifestyle, and Self-Control. Journal of Islamic Studies and Education, 03(01), 1–12.
Yahya, A. (2021). Determinan Perilaku Konsumtif Mahasiswa. Jurnal Pengembangan Wiraswasta, 23(1), 37–50. https://doi.org/10.33370/jpw.v23i1.506
Yousef, F. (2024). The Impact of E-Wallets on Consumer Spending Behavior and Financial Management. International Journal for Scientific Research, 3(12), 429–456. https://doi.org/10.59992/IJSR.2024.v3n12p12
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Published
2025-01-30
How to Cite
Sugeng, R., & Putri, A. S. E. . (2025). The effect of use of electronic money (funds) on students’ consumptive behavior. Journal of Management Science (JMAS), 8(1), 465–471. Retrieved from https://www.exsys.iocspublisher.org/index.php/JMAS/article/view/641
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