Understanding Adolescent Financial Behavior: The Role of Lifestyle, Self-Control, and Family Socioeconomic Status in E-Money Usage

R. Suryanti Ismail (Universitas Kristen Indonesia Maluku)
Gwen L. L. Pattinama (Universitas Kristen Indonesia Maluku)
Philipus Wijayanto Malindir (Universitas Kristen Indonesia Maluku)

Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis
Vol. 6 No. 1 (2025): Public Policy : Jurnal Aplikasi Kebijakan Publik dan Bisnis

This study examines adolescent e- money usage behavior in Ambon, influenced by lifestyle, self-control, and family socioeconomic status. Data from surveys, interviews, and observations were analyzed using cluster and descriptive statistical analysis. Findings show that adolescents are grouped into three behavioral categories: Good, Fair, and Poor. Higher family socioeconomic status increases spending tendencies, while low self-control leads to impulsive transactions driven by promotions and peer influence. Additionally, the more money stored in e-money, the more frequently adolescents spend without financial consideration.