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Rayyani Waode
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Economics, Econometrics & Finance Engineering

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Pengaruh Transaksi Jual-Beli Emas Non-Fisik (Online) Melalui Trading Nasrawati; Rayyani Waode
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Online gold trading is a rapidly growing phenomenon along with technological advances and increasing public interest in gold investment. This development offers unprecedented convenience and efficiency, but also presents new challenges and risks that need to be understood. This mini-research will discuss the background to the emergence of online gold trading, its advantages and disadvantages, and its implications for the gold market as a whole. Development of Traditional Gold Investment Before the digital era, gold trading was carried out conventionally through physical gold shops. Transactions were carried out face-to-face, with a relatively time-consuming process and sometimes less transparent in terms of pricing. Nevertheless, gold remains a popular investment choice because of its relatively stable and liquid nature. Public trust in gold as a safe haven asset is also a driving factor. The Emergence of Online Gold Trading. The development of internet technology and e-commerce has revolutionized the way people transact, including in gold trading. Online platforms offer easy access, higher price transparency because they are directly connected to the global market, and time and cost efficiency. Various platforms, both those that specifically sell gold and general marketplaces, offer a variety of gold product choices, from gold bars to jewelry. This expands access to gold investment for the wider community, without geographical limitations.
Analisis Pengaruh E-Wallet Terhadap Perilaku Menabung dan Pengeluaran Konsumen di kab. takalar Nur Alifah; Rayyani Waode
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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This research aims to analyze the impact of e-wallet usage on consumer saving and spending behavior in Takalar Regency. The background of this research is based on the rampant use of digital wallets (e-wallets) that offer transaction convenience but have the potential to encourage consumerist behavior. This study employs a quantitative approach using a survey method involving 100 e- wallet users residing in Takalar Regency. Data analysis is conducted using multiple linear regression to test the influence of access convenience, application features, and financial literacy on consumer saving and spending behavior. The research findings indicate that the use of e-wallets has a significant effect on increasing consumer spending, while the effect on saving behavior is moderate and depends on the individual's level of financial literacy. These findings highlight the importance of digital financial education so that the community can utilize it.
Co-Authors Nasrawati Nur Alifah