Ventty Krisna, Merintan Berliana Simbolon, Natalia Titik Wiyani

Pengaruh Kemudahan, Keamanan, Dan Manfaat Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Pengguna E-commerce

Introduction

Pengaruh kemudahan, keamanan, dan manfaat penggunaan uang elektronik terhadap perilaku konsumtif pengguna e-commerce . Teliti pengaruh kemudahan, keamanan, dan manfaat uang elektronik pada perilaku konsumtif mahasiswa pengguna e-commerce. Kemudahan & manfaat mendorong, keamanan mengurangi.

Abstract

Tujuan penelitian ini adalah untuk menguji pengaruh kemudahan, keamanan, dan manfaat penggunaan uang elektronik terhadap perilaku konsumtif mahasiswa. Penelitian ini merupakan penelitian kuantitatif dengan populasi mahasiswa Fakultas Ekonomi dan Bisnis Universitas Panca Sakti Bekasi angkatan 2021–2024. Teknik pengambilan sampel menggunakan probability sampling dengan jumlah responden sebanyak 90 mahasiswa. Data dikumpulkan melalui kuesioner dan dianalisis dengan regresi linier berganda menggunakan program SPSS versi 22. Hasil penelitian menunjukkan bahwa secara parsial, variabel kemudahan (t hitung 7,864; sig. 0,000) dan manfaat (t hitung 7,025; sig. 0,000) berpengaruh positif signifikan terhadap perilaku konsumtif mahasiswa. Sementara itu, variabel keamanan (t hitung –6,408; sig. 0,000) berpengaruh negatif signifikan terhadap perilaku konsumtif. Secara simultan, kemudahan, keamanan, dan manfaat berpengaruh signifikan dengan nilai F hitung sebesar 211,989 > F tabel 2,71 dan sig. 0,000 < 0,05. Nilai koefisien determinasi (R² = 0,881) menunjukkan bahwa ketiga variabel mampu menjelaskan 88,1% variasi perilaku konsumtif, sedangkan sisanya 11,9% dipengaruhi faktor lain di luar penelitian. Dengan demikian, dapat disimpulkan bahwa kemudahan dan manfaat penggunaan uang elektronik mendorong mahasiswa untuk lebih sering berbelanja secara online, sedangkan rasa aman yang tinggi dalam bertransaksi justru membantu mengurangi kecenderungan perilaku konsumtif. Hasil penelitian ini diharapkan dapat menjadi masukan bagi mahasiswa untuk lebih bijak dalam menggunakan uang elektronik dan mengelola keuangan pribadi di era digital.

Review

This study investigates the influence of ease, security, and benefits associated with electronic money usage on the consumptive behavior of students from the Faculty of Economics and Business at Panca Sakti Bekasi University. Employing a quantitative approach, the researchers collected data from 90 student respondents via questionnaires and analyzed it using multiple linear regression. The findings indicate a significant positive effect of both ease and perceived benefits on consumptive behavior, suggesting these factors encourage online spending. Conversely, security was found to have a significant negative impact, implying that a heightened sense of security in transactions may actually reduce tendencies towards consumptive behavior. Collectively, these three variables account for a substantial 88.1% of the variation in student consumptive behavior. While the research addresses a timely and relevant topic, particularly given the widespread adoption of e-money among the student demographic, certain aspects warrant closer consideration. The study's focus on students from a single faculty and university, despite being an economics and business faculty, limits the generalizability of the findings to the broader e-commerce user population as suggested by the paper's title. A sample size of 90, while often deemed acceptable for regression analyses, might benefit from a larger and more diverse demographic to bolster the external validity of the results. Furthermore, the reliance on self-reported data through questionnaires inherently carries the risk of biases, such as social desirability or recall bias, which could potentially impact the accuracy of the reported consumptive behaviors and perceptions. The counter-intuitive finding regarding the negative relationship between security and consumptive behavior is particularly noteworthy and presents a compelling area for deeper exploration within the full paper. This suggests a more complex psychological dynamic where security might foster more deliberate financial decisions rather than merely facilitating transactions. The high R² value demonstrates a robust model, yet further research could aim to identify the specific "other factors" contributing to the remaining 11.9% of unexplained variance. Future studies would benefit from expanding the demographic scope beyond a single university, potentially incorporating longitudinal designs to observe behavioral changes over time, or employing qualitative methods to gain a richer understanding of the underlying motivations driving these relationships. Investigating potential mediating or moderating variables could also further refine our comprehension of these complex interactions.

Full Text

Comments

You need to be logged in to post a comment.