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All Journal Kosala : Jurnal Ilmu Kesehatan Journal Transformation of Mandalika JURNAL KIMIA SAINTEK DAN PENDIDIKAN Jurnal Teknologi dan Manajemen Industri Terapan Journal of Novel Engineering Science and Technology Jurnal Smart Hukum (JSH) Sintek Kuwera
Vicky
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Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mechanical Engineering Medicine & Pharmacology Physics Social Sciences

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Pengaruh Penggunaan E-Money dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Universitas Jember Nurus Shofa Septi Ningrum; Riyanto Efendi; Astrian; Choirul Hudha; Vicky
Journal Transformation of Mandalika, e-ISSN: 2745-5882, p-ISSN: 2962-2956 Vol. 6 No. 12 (2025): Desember
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/jtm.v6i12.5858

Abstract

The development of digital financial technology, particularly electronic money (e-money), has made transactions easier. However, this convenience also has the potential to increase consumptive behavior, especially among students. Students often buy things simply because they want them, so it is hoped that students can control themselves in order to prioritize their needs over their wants. This study aims to evaluate the impact of electronic money usage and personal regulation on the consumption patterns of students in the Economics Education Study Program at the University of Jember. The research focuses on the role of non-cash transactions and personal capacity in limiting students' impulse buying. The evaluation method used is multiple linear regression analysis with the support of SPSS software version 23. The research findings reveal that: (1) the use of electronic money does not have a significant effect on student consumption patterns; (2) personal regulation also does not show a significant impact when tested separately; and (3) when both factors are analyzed together, they are proven to significantly influence consumption patterns with a significance level of 0.025 and a coefficient of determination of 0.073. These results indicate that electronic money and personal regulation only contribute about 7.3% to shaping student consumption patterns, while the remaining 92.7% is influenced by external variables that were not investigated in this study
Co-Authors Agustinus Fritz Wijaya Alfredo Pasaribu Astrian Aufia Dina Aulya Bima Herdian Adhiewilaga Choirul Hudha Edy Fachrial Fisnandya Meita Astar Hafidzhoh Qulubul Fadhila Ildsa Maulidya Mar'athus Nasokha Indah Harlina Merryana Lestari Muhammad Amri Al- Furqan Nurus Shofa Septi Ningrum Puspita, Maria Entina Retno Wati Riyanto Efendi Ronsen Purba Samosir, Tetti Sianturi, Naomi Yasmin, Nabila Yohanes Ari Setiawan