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All Journal Scripta Economica: Journal of Economics, Management, and Accounting Ascendia: Journal of Economic and Business Advancement
Isabella Magdalena Simbolon
Politeknik Negeri Medan
Economics, Econometrics & Finance

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Determinan Perilaku Menabung di Kalangan Mahasiswa Perguruan Tinggi di Indonesia Isabella Magdalena Simbolon; Mahda Aidil Hanafi; Melani Simanjuntak
Journal of Economic and Business Advancement Vol. 1 No. 2 (2025): December: Ascendia: Journal of Economic and Business Advancement
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/rref1w90

Abstract

Student savings behavior is an important indicator in the formation of financial independence and long-term economic readiness among the younger generation. This study aims to examine the determinants of college students' saving behavior in Indonesia by analyzing the role of financial literacy, self-control, social environment, family economic conditions, and the influence of financial digitalization. The research method used is a qualitative approach through a literature study by systematically analyzing various accredited national journal articles, scientific proceedings, and relevant institutional publications. The results and discussion show that financial literacy is a fundamental factor that shapes students' understanding and attitudes towards financial management, while self-control functions as an internal mechanism that maintains consistency in saving behavior amid consumptive pressures and peer influence. Family and social environments also play a role in shaping students' financial habits, while financial digitalization presents opportunities and challenges depending on individuals' literacy and self-control capacities. This study concludes that students' saving behavior is influenced by the multidimensional interaction between cognitive, psychological, social, and structural factors.
Analisis Perilaku Konsumsi Dalam Belanja Online Dikalangan Mahasiswa Shasa Afriza; Isabella Magdalena Simbolon; Hezra Naumi Syariah Panjaitan; Chaterine Ratu Rebecca Sirait
Journal of Economics, Management, and Accounting Vol 1 No 3 (2026): March: Scripta Economica: Journal of Economics, Management, and Accounting
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/xx9wm473

Abstract

The rapid growth of e-commerce has significantly transformed students’ consumption behavior, particularly in online shopping activities. This study aims to analyze consumption patterns among university students and identify factors influencing purchasing decisions and satisfaction in online shopping. A quantitative approach was employed using a survey method involving 26 student respondents who had experience with online shopping. Data were collected through structured questionnaires and analyzed descriptively. The results indicate that female students dominate online shopping activities, with Shopee emerging as the most frequently used platform. The frequency of online shopping among students remains within a moderate range, while fashion products constitute the most commonly purchased items. Price affordability, discounts, ease of use, and consumer reviews are identified as the primary factors influencing purchasing decisions. Although most students express a relatively high level of trust and satisfaction with online shopping, experiences of disappointment due to product mismatch or quality issues are still common. These findings suggest that online shopping has become an integral part of students’ lifestyles, yet conscious control and rational consideration are necessary to prevent excessive consumptive behavior.
Co-Authors Chaterine Ratu Rebecca Sirait Hezra Naumi Syariah Panjaitan Mahda Aidil Hanafi Melani Simanjuntak Shasa Afriza