Jurnal Riset Multidisiplin Edukasi
Vol. 3 No. 5 (2026): Jurnal Riset Multidisiplin Edukasi (Mei 2026)

Analisis Pengaruh Penggunaan Uang Elektronik (E-Wallet) terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi & Bisnis di Universitas Madura

Achmarul Fajar (Unknown)
Salwa Andina Agustin (Unknown)
Maulidatus Sholihah (Unknown)
Arikatul Faradies (Unknown)



Article Info

Publish Date
14 May 2026

Abstract

Advances in digital technology, particularly the use of e-wallets, have brought about significant changes in students’ transaction patterns and consumption behavior. The convenience, speed, and various promotions offered have made e-wallets increasingly popular among students, but they also have the potential to encourage consumerist behavior. This study aims to analyze the influence of e-wallet use on the consumerist behavior of students in the Faculty of Economics and Business at Madura University. The method used is a qualitative approach with a phenomenological research design. Data were collected through online questionnaires, interviews, and observations of 100 respondents selected using purposive sampling. The results indicate that e-wallet usage increases transaction frequency and encourages impulsive purchases, particularly for lifestyle-related products. Furthermore, most students do not have the habit of tracking their expenses, making it difficult for them to manage their finances. On the other hand, e-wallets also offer benefits such as transaction efficiency and easy access to digital services. Thus, the use of e-wallets has a dual impact: it serves as a tool that facilitates transactions while simultaneously having the potential to accelerate consumer behavior if not balanced with financial literacy and good self-control.

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Journal Info

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jurmie

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Description

Jurnal Riset Multidisiplin Edukasi adalah jurnal peer-review yang bertujuan untuk memfasilitasi pertukaran pengetahuan dan ide-ide inovatif di antara para peneliti, akademisi, dan praktisi dari berbagai disiplin ilmu. Kami menerima kontribusi ilmiah dalam bentuk artikel penelitian, tinjauan pustaka, ...