Globalization And Its Influence On Social Inequalities And Poverty Alleviation In Indonesia
DOI:
https://doi.org/10.61132/ijema.v2i1.485Keywords:
e-money, financial literacy, consumption behavior, digital payment, personal financial managementAbstract
This study aims to analyze the influence of e-money usage and financial literacy on the consumption behavior of accounting students in Batam City. E-money as a digital payment method has become increasingly popular among the younger generation, while financial literacy plays an important role in effective personal financial management. The study uses primary data collected from questionnaires distributed to 97 accounting students in several universities in Batam, as well as secondary data from interviews with 10 accounting students regarding e-money and financial literacy. The results show a positive correlation between high financial literacy and wise financial management, which in turn influences students' consumption behavior. Additionally, the use of e-money plays a significant role in facilitating transactions and changing consumption patterns. Simultaneously, all three variables have a significant impact with a coefficient of determination (R²) of 38.5%. The findings are expected to provide insights for relevant stakeholders in designing more effective financial education programs and promoting the use of e-money among students.
Downloads
References
Ghozali, I. (2018). Penerapan Analisis Multivariat dengan Program IBM SPSS. Diponegoro University Publishing Agency.
Haq, I. I., Tubastuvi, N., Purwidianti, W., & Widhidanono, H. (2023). Pengaruh Literasi Keuangan, Teman Sebaya, Uang Elektronik, Gaya Hidup, dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Manajemen dan Bisnis Indonesia, 9(1), 73–89. https://doi.org/10.32528/jmbi.v9i1.349
Indriyani, V. A., Saparuddin, & Wiralaga, H. K. (2022). Pengaruh Literasi Ekonomi, Gaya Hidup Dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Negeri Jakarta. Tinjauan Romeo tentang Budaya dan Pedagogi Pendidikan Multidisiplin, 1(3), 37–52. https://doi.org/10.55047/romeo.v1i3.338
Insana, D. R. M., & Johan, R. S. (2021). Analisis Pengaruh Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa. Hubungan: Jurnal Ekonomi, 17(2), 413–434. https://doi.org/10.31967/relasi.v17i2.494
Janna, N. M., & Herianto. (2021). Konsep Uji Validitas dan Reliabilitas Menggunakan SPSS. Jurnal Darul Dakwah Wal-Irsyad (DDI), 18210047, 1–12. https://doi.org/10.31219/osf.io/v9j52
Karimah, M., Nurhayati, D., & Indarti, N. (2023). Pengaruh Penggunaan E-Money, Fitur Live Streaming, dan Literasi Digital Terhadap Perilaku Konsumtif Dalam Belanja Online Mahasiswa Pendidikan Ekonomi UNIWARA. Nusantara Equilibrium Journal, 1(1), 10–20. https://doi.org/10.56854/jeqn.v1i1.26
Karimah, N., Nurhayati, S., & Indarti, R. (2023). Digital Lifestyle Trends and Their Influence on E-Money Use in Indonesia. Jurnal Teknologi dan Inovasi, 10.
Kusmiati, D., & Nurtantiono. (2022). Regulasi E-Money di Indonesia: Tinjauan Perkembangan dan Implikasinya. Jurnal Ekonomi dan Kebijakan Publik, 15(2).
Kusuma, A. (2023). Keputusan Pembelian dan Literasi Keuangan. Jurnal Manajemen Keuangan.
Luas, G. N., Irawan, S., & Windrawanto, Y. (2023). Pengaruh Konsep Diri Terhadap Perilaku Konsumtif Siswa. Scholaria: Jurnal Pendidikan dan Kebudayaan, 13(1), 1–7. https://doi.org/10.24246/j.js.2023.v13.i1.p1-7
Ngampus, W., Telagawathi, N. L. W. S., & Yudiaatmaja, F. (2023). Pengaruh Literasi Keuangan, Gaya Hidup Dan Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Generasi Milenial Kota Denpasar. Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik, 10(3), 971–985.
Nurjanah, R., Yahya, A., Kosim, M., Putri, N. K., & Ningamah, H. (2024). Implikasi Penggunaan E-money, Literasi Keuangan, dan Sikap Keuangan terhadap Perilaku Konsumtif. Jurnal Ecogen, 7(1), 64. https://doi.org/10.24036/jmpe.v7i1.15646
Nurunnisa, I., Marliani, S., & Yuliawati, J. (2023). The Influence of Financial Literacy and E-money on Consumptive Behavior: Study of Management Students at Buana Perjuangan University, Karawang, 2019. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 6(2), 2417–2430. https://doi.org/10.47467/alkharaj.v6i2.5300
Oktarina, H., & Iskandar, A. A. (2023). Pengaruh Penggunaan E-Money Terhadap Perilaku Konsumtif. Jurnal Ilmiah Pena, 14(01), 75–78.
Prihatini, D., & Irianto, A. (2021). Pengaruh Literasi Keuangan dan Pengendalian Diri Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Ecogen, 4(1), 24. https://doi.org/10.24036/jmpe.v4i1.11035
Rahmat, A., Asyari, A., & Puteri, H. E. (2020). Pengaruh Hedonisme Dan Religiusitas Terhadap Perilaku Konsumtif Mahasiswa. EKONOMI SYARIAH: Jurnal Kajian Ekonomi, 4(1), 39. https://doi.org/10.30983/es.v4i1.3198
Rahmawati, I., & Arifin, Z. (2021). Analisis Pengaruh Kenyamanan dan Efisiensi Waktu Terhadap Minat Penggunaan E-Money. Jurnal Ekonomi dan Bisnis Digital, 9.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 International Journal of Economics, Management and Accounting
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
