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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Ujang Suherman
Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Buana Perjuangan Karawang
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Fitur Cashback dan Promo Shopeepay Terhadap Pengelolaan Keuangan Mahasiswa Akuntansi Universitas Buana Perjuangan Karawang Angkatan 2022 Amanda Augustine; Ujang Suherman; Thomas Nadeak
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11684

Abstract

The purpose of this study is to determine the effects of ShopeePay's cashback and promo features on the financial management of UBP Karawang Accounting students in the class of 2022, both partially and simultaneously, in the context of digital wallets. Using a descriptive-verification quantitative approach with a sample of 122 students (purposive sampling) and multiple linear regression, the results confirm that cashback has a positive and significant partial effect, as do ShopeePay promotions. Simultaneously, both are significant with F hit. 469.025 > F tab 3.071 and R² 0.887, meaning that 88.7% of the variation in financial management can be explained by these two variables. These findings conclude that students' financial management is significantly influenced by the intensity of cashback and ShopeePay promo utilization, so that these digital incentives not only trigger consumption but are also related to how students manage and control their personal finances. This study contributes to the development of personal financial management and behavioral finance literature in the context of digital wallets and serves as a basis for designing digital financial literacy programs in higher education institutions to guide the wiser use of digital incentives.
Pengaruh Penggunaan Uang Tunai dan Transaksi Non-Tunai Terhadap Tingkat Konsumtif Mahasiswa Fakultas Hukum Universitas Buana Perjuangan Karawang Angkatan 2022 Najwa Hanuni Hapi; Ujang Suherman; Thomas Nadeak
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11693

Abstract

The purpose of this study is to examine the effects of cash usage and non-cash transactions on students’ consumptive behavior, both partially and simultaneously. This study employed a quantitative approach involving 102 students from the Faculty of Law at Universitas Buana Perjuangan Karawang, Class of 2022. The results of multiple linear regression analysis indicate that cash usage does not have a statistically significant partial effect on students’ consumptive behavior, whereas non-cash transactions have a positive and statistically significant effect. Simultaneously, cash usage and non-cash transactions significantly influence students’ consumptive behavior. The coefficient of determination (R²) of 0.859 indicates that 85.9% of the variation in consumptive behavior is explained by the two independent variables, with non-cash transactions emerging as the dominant factor driving increased consumptive behavior. This study strengthens empirical evidence on the cashless effect in students’ financial behavior and provides strategic implications for enhancing financial literacy and personal financial management amid the increasing adoption of digital payment systems.
Pengaruh Self Control dan Intensitas Pembelian Item Virtual Terhadap Pengelolaan Keuangan Pribadi Pemain Game Roblox di Karawang Asyifa Arethania Dayanara Ryu; Ujang Suherman; Thomas Nadeak
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11863

Abstract

There has been a spike in the purchase of virtual items among gamers due to the fast expansion of the online gaming market, especially on the Roblox platform. When gamers display a lack of self-control and a high intensity of acquiring virtual products, this phenomena may impact their conduct regarding personal money management. Irrational expenditure and a lack of financial stability could emerge from such circumstances. Partially and concurrently, this research intends to examine the impact of self-control and the intensity with which Roblox users in Karawang purchase virtual items on their financial management. An explanatory technique is used by this quantitative investigation. A total of 212 Roblox users in Karawang who had made virtual goods purchases in the past were surveyed using a purposive sample approach. Multiple linear regression was used to analyze the data with the help of SPSS version 26. A player's ability to exercise self-control affects their handling of their money, according to the findings. The intensity of buying virtual items also has a major impact on budgeting. Both factors impact Roblox users' ability to handle their money at the same time. The findings of this research should raise awareness about the significance of self-control while playing video games online and help advance digital financial literacy.
Co-Authors Amanda Augustine Asyifa Arethania Dayanara Ryu Najwa Hanuni Hapi Thomas Nadeak