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All Journal Journal Transformation of Mandalika Jurnal Ekonomi dan Bisnis
Riyanto Efendi
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Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Economics, Econometrics & Finance Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice 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
Pengaruh Literasi Keuangan, Gender, dan Gaya Hidup Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Program Studi Pendidikan Ekonomi Universitas Jember Angkatan 2024 Khairunnisa, Faridatul; Riyanto Efendi; Astrian Kusumawati; Choirul Hudha; Vicky Indarto Setyono
Jurnal Ekonomi dan Bisnis Vol. 5 No. 1 (2026): Maret 2026 (Publication in press)
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v5i1.15184

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, gender, dan gaya hidup terhadap perilaku pengelolaan keuangan mahasiswa Program Studi Pendidikan Ekonomi Universitas Jember Angkatan 2024. Penelitian menggunakan pendekatan kuantitatif dengan penyebaran kuesioner kepada responden yang dipilih secara acak. Data dianalisis menggunakan regresi linier berganda dengan bantuan IBM SPSS Statistics 27. Hasil penelitian menunjukkan bahwa literasi keuangan dan gender berpengaruh signifikan terhadap perilaku pengelolaan keuangan. Sementara itu, gaya hidup tidak berpengaruh signifikan terhadap perilaku pengelolaan keuangan mahasiswa. Secara simultan, ketiga variabel independen berpengaruh secara signifikan terhadap perilaku pengelolaan keuangan. Nilai Adjusted R² sebesar 0,564 mengindikasikan bahwa 56,4% variasi perilaku pengelolaan keuangan dapat dijelaskan oleh literasi keuangan, gender, dan gaya hidup. Temuan ini mengimplikasikan pentingnya peningkatan literasi keuangan mahasiswa untuk mendukung kemampuan pengelolaan keuangan yang lebih bertanggung jawab.
Co-Authors Astrian Astrian Kusumawati Choirul Hudha Khairunnisa, Faridatul Nurus Shofa Septi Ningrum Setyono, Vicky Indarto Vicky