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All Journal Journal of Exploratory Dynamic Problems
Nurhotmaliza Ningsih
Program Studi Akuntansi, Fakultas Ekonomi, Universitas Pasir Pengaraian
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Pengaruh Dompet Digital dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa Akuntansi Nurhotmaliza Ningsih; Fefti Yulian Mela; Susanti
Journal of Exploratory Dynamic Problems Vol. 3 No. 3 (2026): No.3 Vol.3 2026
Publisher : Fakultas Keguruan dan Ilmu Pendidikan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/edp.v3i3.175

Abstract

This study aims to determine and analyze the effect of digital wallets and financial literacy on the consumptive behavior of Accounting students at Universitas Pasir Pengaraian, both partially and simultaneously. This study used a quantitative approach with an explanatory (causal comparative) research design. Data were obtained through questionnaires distributed to 124 active Accounting students of Universitas Pasir Pengaraian in the 2025/2026 even semester, selected from a population of 179 students using the Taro Yamane formula with a proportionate stratified random sampling technique. Data analysis techniques included validity testing, reliability testing, classical assumption testing, multiple linear regression analysis, the coefficient of determination test, and hypothesis testing (t-test and F-test) using SPSS version 20. The results show that Digital Wallet (X1) has a positive and significant effect on Consumptive Behavior (Y) (Sig. 0.000), Financial Literacy (X2) has no significant effect on Consumptive Behavior (Sig. 0.429), while simultaneously Digital Wallet and Financial Literacy have a significant effect on Consumptive Behavior (Sig. 0.000), contributing 16.1%.
Co-Authors Fefti Yulian Mela Susanti