Pengaruh E-Commerce, Qris, dan Pinjaman Online Terhadap Perilaku Hedonisme Generasi Z dengan Literasi Keuangan Sebagai Variabel Moderasi(Studi Pada Mahasiswa Perguruan Tinggi di Kota Mataram)

Mulyani Mulyani (Universitas Bumigora Mataram)
Khairunnisa Khairunnisa (Universitas Bumigora Mataram)
Arie Cahyani (Universitas Bumigora Mataram)

Jurnal Penelitian dan Pengabdian Masyarakat
Vol. 4 No. 3 (2026): August 2026

This study aims to analyze the influence of E-Commerce, QRIS, and Online Loans on the Hedonistic Behavior of Generation Z, with Financial Literacy as a moderating variable among students of the Faculty of Economics and Business at universities in Mataram City. This quantitative study used purposive sampling. The population consisted of 9,284 active students registered in the Higher Education Database (PDDikti) for the 2025/2026 academic year, with 385 respondents selected using the Slovin formula. Data were analyzed using SmartPLS 4.0.9.9. The findings show that E-Commerce and QRIS do not have a significant effect on Hedonistic Behavior, while Online Loans have a positive and significant effect. Financial Literacy weakens the relationship between E-Commerce and Hedonistic Behavior, indicating that higher financial literacy reduces the influence of e-commerce on hedonistic tendencies. However, Financial Literacy does not moderate the relationship between QRIS and Hedonistic Behavior or between Online Loans and Hedonistic Behavior