Pengaruh Financial Technology dan Manajemen Keuangan Terhadap Perilaku Konsumtif Mahasiswa
Keywords:
Financial Technology, Financial Management, Consumer Behavior
Abstract
This research aims to determine the influence of financial technology and financial management on student consumption behaviour. The population in this study was 168 students from the Economic Education Study Program at Jambi University Class of 2019-2020 and 118 people were sampled using proportionate stratified random sampling. This research is quantitative research with an ex post facto method. Data collection techniques use Google Forms. Data were analyzed using multiple regression statistical techniques. Based on the analysis, it shows that the financial technology variabel has a positive and significant effect on consumer behaviour. The more students use financial technology in financial transactions, the more consumptive their behaviour will be. Financial management variabels have a positive and significant effect on consumer behaviour. The better students manage their finances, the more consumptive their behaviour becomes. Simultaneously, financial technology and financial management have a positive and significant effect on student consumption behaviour. The higher level of use of financial technology accompanied by good financial management results in increasingly consumerist behaviour among students. The resulting regression model statistically has a very high ability to predict the influence of the use of financial technology and financial management on student consumptive behavior because it is supported by an R-square value of 96.8%. Based on the results of these findings, it is based on students' preferences in meeting their daily needs by making financial plans that suit their needs and consistently allocating them through wise use of financial technology so as not to behave consumptively.
References
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Mujahidin, A. (2020). Pengaruh Fintech e-wallet Terhadap Perilaku Konsumtif Pada Generasi Millennial. Inovbiz: Jurnal Inovasi Bisnis, 8(2), 143. https://doi.org/10.35314/inovbiz.v8i2.1513
Oktaviani, M., Sari, I. P., & Miftah, Z. (2023). Pengaruh E-Commerce Dan Financial Technology Terhadap Perilaku Konsumtif Mahasiswa. Journal of Applied Business and Economic (JABE), 9(3), 1–10.
Pulungan, D. R., & Febriaty, H. (2018). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Riset Sains Manajemen, 2(3), 1–8. https://doi.org/10.5281/zenodo.1410873
Rahayu, I., Pratiwi, L., & Rahwana, K. A. (2022). Implementasi Fintech Sebagai Model Transaksi Masa Kini. Journal of Empowerment Community, 4(1), 1–5. https://e-journal.unper.ac.id/index.php/JEC/article/view/931
Ray, M. J. K., Mashudi, & Herkulana. (2022). Pengaruh Penggunaan Fintech Mobile Payment Danaplikasi Belanja Online Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi FKIP Untan. Jurnal Pendidikan Dan Pembelajaran, 11(9), 1331–1339. https://doi.org/10.26418/jppk.v11i9.57907
Rozaini, N., & Sitohang, A. (2020). Pengaruh Pengelolaan Uang Saku Dan Modernitas Terhadap Perilaku Konsumtif Mahasiswa Program Studi Pendidikan Ekonomi Fakultas Ekonomi Universitas Negeri Medan Stambuk 2018. Jurnal Manajemen Bisnis Eka Prasetya : Penelitian Ilmu Manajemen, 6(2), 1–8. https://doi.org/10.47663/jmbep.v6i2.59
Sihombing, S., & Yuniasanti, R. (2014). Differences consumptive behavior towards clothing. Indigenous Psychology Seminar, 103–114. http://eprints.mercubuana-yogya.ac.id/id/eprint/1582
Siswanti, I. (2020). Financial Knowledge, Financial Attitude, and Financial Management Behavior: Self–Control As Mediating. The International Journal of Accounting and Business Society, 28(1), 105–132. https://doi.org/10.21776/ub.ijabs.2020.28.1.5
Sudaryo, Y., Sofiati, N. A., Yosep, M. A., & Nurdiansyah, B. (2020). Digital Marketing dan Fintech di Indonesia. Penerbit Andi. https://www.google.co.id/books/edition/Digital_Marketing_dan_Fintech_di_Indones/kpD5DwAAQBAJ?hl=id&gbpv=1
Sugiyono. (2016). Metode Penelitian Kuantitatif Kualitatif dan R&D (Cetakan ke). ALFABETA, cv.
Suryani, M., & Achira, S. (2019). Gaya Hidup Hedonisme dalam Konsumsi Ditinjau dari Perspektif Ekonomi Islam (Studi Pada Mahasiswi Jurusan Ekonomi Islam IAIN Kota Bengkulu). AL-INTAJ, 5(2), 238–250. https://doi.org/http://dx.doi.org/10.29300/aij.v5i2.2092
Tejada, J. J., Raymond, J., & Punzalan, B. (2012). On the Misuse of Slovin’s Formula. The Philippine Statistician, 61(1), 8.
Usmadi, U. (2020). Pengujian Persyaratan Analisis (Uji Homogenitas Dan Uji Normalitas). Inovasi Pendidikan, 7(1), 50–62. https://doi.org/10.31869/ip.v7i1.2281
Vhalery, R. (2021). Kontribusi Informasi, Fasilitas, dan Loyalitas User Dalam Menggunakan Aplikasi Fintech di Masa Pandemi Covid-19. Sosio E-Kons, 13(2), 99–108. https://journal.lppmunindra.ac.id/index.php/sosio_ekons/article/view/9743
Wardani, L. M. I., & Anggadita, R. (2021). Konsep Diri dan Konformitas pada Perilaku Konsumtif Remaja. Nem. https://www.google.co.id/books/edition/KONSEP_DIRI_DAN_KONFORMITAS_PADA_PERILAK/mFY1EAAAQBAJ?hl=id&gbpv=1&dq=Konsep+Diri+Dan+Konformitas+Pada+Perilaku+Konsumtif+Remaja&printsec=frontcover
Widiawati, M. (2020). Pengaruh Literasi Keuangan, Locus of Control, Financial Self-Efficacy, dan Love Of Money Terhadap Manajemen Keuangan Pribadi. Prisma (Platform Riset Mahasiswa Akuntansi), 01(01), 97–108. https://ojs.stiesa.ac.id/index.php/prisma
Wilcox, R. R. (2019). Multicolinearity and ridge regression: results on type I errors, power and heteroscedasticity. Journal of Applied Statistics, 46(5), 946–957. https://doi.org/10.1080/02664763.2018.1526891
Ali, Z., & Bhaskar, S. B. (2016). Basic statistical tools in research and data analysis. Indian Journal of Anaesthesia, 60(9), 662–669. https://doi.org/10.4103/0019-5049.190623
Apuke, O. D. (2017). Quantitative Research Methods : A Synopsis Approach. Kuwait Chapter of Arabian Journal of Business and Management Review, 6(11), 40–47. https://doi.org/10.12816/0040336
Boschetti, L., Stehman, S. V, Roy, D. P., & Management, N. R. (2018). Regional To Global Scale Burned Area Product Validation. 465–478. https://doi.org/10.1016/j.rse.2016.09.016.A
Cristanti, I. L., Luhsasi, D. I., & Sitorus, D. S. (2021). Pandemi Covid-19: Pengaruh Perilaku Konsumtif dan Mental Accounting Terhadap Pengelolaan Keuangan Mahasiswa FKIP UKSW. Jurnal Akuntansi Dan Pajak, 22(01), 128–135. https://doi.org/http://dx.doi.org/10.29040/jap.v22i1.2690
Eliza, Z., Ulya, Z., & Syafriani, N. (2023). Pengaruh Pengelolaan dan Status Sosial Ekonomi Orang Tua Terhadap Perilaku Konsumtif Mahasiswa IAIN Langsa. Profit: Jurnal Manajemen, Bisnis Dan Akuntansi, 2(2), 27–41.
Ellis-O’Quinn, A. (2012). An Ex Post Facto Study of First-Year Student Orientation as an Indicator of Student Success at a Community College. Inquiry, 17(1), 51–57. https://doi.org/10.25777/0bck-b585
Febriani, N., & Dewi, W. W. A. (2019). Perilaku Konsumen Di Era Digital (Beserta Studi Kasus). Universitas Brawijaya Press. https://www.google.co.id/books/edition/Perilaku_Konsumen_di_Era_Digital/YXXRDwAAQBAJ?hl=id&gbpv=1&dq=Perilaku+Konsumen+Di+Era+Digital+(Beserta+Studi+Kasus)&printsec=frontcover
Haryani, I., & Herwanto, J. (2015). Hubungan konformitas dan kontrol diri dengan perilaku konsumtif terhadap produk kosmetik pada mahasiswi. Jurnal Psikologi UIN Sultan Syarif Kasim Riau, 11(1), 5–6. https://ejournal.uin-suska.ac.id/index.php/psikologi/article/view/1555
Käyser, S. C., Dekkers, T., Groenewoud, H. J., Van Der Wilt, G. J., Carel Bakx, J., Van Der Wel, M. C., Hermus, A. R., Lenders, J. W., & Deinum, J. (2016). Study heterogeneity and estimation of prevalence of primary aldosteronism: A systematic review and meta-regression analysis. Journal of Clinical Endocrinology and Metabolism, 101(7), 2826–2835. https://doi.org/10.1210/jc.2016-1472
Khoirunnisa, I. R., & Rochmawati. (2021). Pengaruh Literasi Keuangan , Sikap Keuangan , dan Pendidikan Keuangan Keluarga Terhadap Manajemen Keuangan Pribadi dengan Locus Of Control Sebagai Variabel Intervening. 9(2), 210–219.
Kotler, P. (2000). Marketing Management, Millenium Edition. In Marketing Management (10th ed., Vol. 23, Issue 6). Pearson Custom.
Kurniawan, C. (2017). Analisis Faktor-Faktor Yang Mempengaruhi Perilaku Konsumtif Ekonomi Pada Mahasiswa. Jurnal Media Wahana Ekonomika, 13(Vol. 13 No. 4 (2017): Jurnal Media Wahana Ekonomika, 4, Januari 2017), 1–12. https://jurnal.univpgri-palembang.ac.id/index.php/Ekonomika/article/view/2709/2520
Kuswanto, Suratno, S., & Asmarani, A. (2022). Pengaruh Manajemen Keuangan dan Pembelajaran Kewirausahaan Terhadap Intensi Wirausaha Mahasiswa Universitas Jambi. Jurnal Bisnis Dan Kewirausahaan, 18(3), 248–256. https://doi.org/10.31940/jbk.v18i3.248-256
Lai, T. C., Hsieh, C. L., & Ku, E. C. S. (2022). The Gorgeous Brand: Understanding Consumer’ Conspicuous Consumption for Luxury Tourism Products. Journal of Tourism and Services, 13(24), 108–127. https://doi.org/10.29036/jots.v13i24.308
Lestarina, E., Karimah, H., Febrianti, N., Ranny, R., & Herlina, D. (2017). Perilaku Konsumtif di Kalangan Remaja. JRTI (Jurnal Riset Tindakan Indonesia), 2(2), 1–6. https://doi.org/10.29210/3003210000
Mujahidin, A. (2020). Pengaruh Fintech e-wallet Terhadap Perilaku Konsumtif Pada Generasi Millennial. Inovbiz: Jurnal Inovasi Bisnis, 8(2), 143. https://doi.org/10.35314/inovbiz.v8i2.1513
Oktaviani, M., Sari, I. P., & Miftah, Z. (2023). Pengaruh E-Commerce Dan Financial Technology Terhadap Perilaku Konsumtif Mahasiswa. Journal of Applied Business and Economic (JABE), 9(3), 1–10.
Pulungan, D. R., & Febriaty, H. (2018). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Riset Sains Manajemen, 2(3), 1–8. https://doi.org/10.5281/zenodo.1410873
Rahayu, I., Pratiwi, L., & Rahwana, K. A. (2022). Implementasi Fintech Sebagai Model Transaksi Masa Kini. Journal of Empowerment Community, 4(1), 1–5. https://e-journal.unper.ac.id/index.php/JEC/article/view/931
Ray, M. J. K., Mashudi, & Herkulana. (2022). Pengaruh Penggunaan Fintech Mobile Payment Danaplikasi Belanja Online Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi FKIP Untan. Jurnal Pendidikan Dan Pembelajaran, 11(9), 1331–1339. https://doi.org/10.26418/jppk.v11i9.57907
Rozaini, N., & Sitohang, A. (2020). Pengaruh Pengelolaan Uang Saku Dan Modernitas Terhadap Perilaku Konsumtif Mahasiswa Program Studi Pendidikan Ekonomi Fakultas Ekonomi Universitas Negeri Medan Stambuk 2018. Jurnal Manajemen Bisnis Eka Prasetya : Penelitian Ilmu Manajemen, 6(2), 1–8. https://doi.org/10.47663/jmbep.v6i2.59
Sihombing, S., & Yuniasanti, R. (2014). Differences consumptive behavior towards clothing. Indigenous Psychology Seminar, 103–114. http://eprints.mercubuana-yogya.ac.id/id/eprint/1582
Siswanti, I. (2020). Financial Knowledge, Financial Attitude, and Financial Management Behavior: Self–Control As Mediating. The International Journal of Accounting and Business Society, 28(1), 105–132. https://doi.org/10.21776/ub.ijabs.2020.28.1.5
Sudaryo, Y., Sofiati, N. A., Yosep, M. A., & Nurdiansyah, B. (2020). Digital Marketing dan Fintech di Indonesia. Penerbit Andi. https://www.google.co.id/books/edition/Digital_Marketing_dan_Fintech_di_Indones/kpD5DwAAQBAJ?hl=id&gbpv=1
Sugiyono. (2016). Metode Penelitian Kuantitatif Kualitatif dan R&D (Cetakan ke). ALFABETA, cv.
Suryani, M., & Achira, S. (2019). Gaya Hidup Hedonisme dalam Konsumsi Ditinjau dari Perspektif Ekonomi Islam (Studi Pada Mahasiswi Jurusan Ekonomi Islam IAIN Kota Bengkulu). AL-INTAJ, 5(2), 238–250. https://doi.org/http://dx.doi.org/10.29300/aij.v5i2.2092
Tejada, J. J., Raymond, J., & Punzalan, B. (2012). On the Misuse of Slovin’s Formula. The Philippine Statistician, 61(1), 8.
Usmadi, U. (2020). Pengujian Persyaratan Analisis (Uji Homogenitas Dan Uji Normalitas). Inovasi Pendidikan, 7(1), 50–62. https://doi.org/10.31869/ip.v7i1.2281
Vhalery, R. (2021). Kontribusi Informasi, Fasilitas, dan Loyalitas User Dalam Menggunakan Aplikasi Fintech di Masa Pandemi Covid-19. Sosio E-Kons, 13(2), 99–108. https://journal.lppmunindra.ac.id/index.php/sosio_ekons/article/view/9743
Wardani, L. M. I., & Anggadita, R. (2021). Konsep Diri dan Konformitas pada Perilaku Konsumtif Remaja. Nem. https://www.google.co.id/books/edition/KONSEP_DIRI_DAN_KONFORMITAS_PADA_PERILAK/mFY1EAAAQBAJ?hl=id&gbpv=1&dq=Konsep+Diri+Dan+Konformitas+Pada+Perilaku+Konsumtif+Remaja&printsec=frontcover
Widiawati, M. (2020). Pengaruh Literasi Keuangan, Locus of Control, Financial Self-Efficacy, dan Love Of Money Terhadap Manajemen Keuangan Pribadi. Prisma (Platform Riset Mahasiswa Akuntansi), 01(01), 97–108. https://ojs.stiesa.ac.id/index.php/prisma
Wilcox, R. R. (2019). Multicolinearity and ridge regression: results on type I errors, power and heteroscedasticity. Journal of Applied Statistics, 46(5), 946–957. https://doi.org/10.1080/02664763.2018.1526891
Published
2024-05-01
How to Cite
Kuswanto, K., Aryanti, S., & Arief, H. (2024). Pengaruh Financial Technology dan Manajemen Keuangan Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Pendidikan Ekonomi (JUPE), 12(2), 268-276. https://doi.org/10.26740/jupe.v12n2.p268-276
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