Analysis of the Effect of Using Electronic Money on Consumptive Behavior among Students
Abstract
The purpose of this research is to find out and analyze the influence of the use of electronic money on the consumptive behavior of students. The research method used is descriptive quantitative. The population in this study were all active students at the Bandung State Polytechnic. The data collection technique was carried out by distributing questionnaires to 108 respondents. The analytical method used is simple regression analysis and validity test, reliability test, and normality test. The results of the study show that the use of electronic money influences consumptive attitudes among Bandung State Polytechnic students. The use of electronic money contributes 10.8% to the consumptive attitude of Bandung State Polytechnic students.
References
Afiyah, Rida Nur. (2020). Pengaruh Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa. Journal of Chemical Information and Modeling, 21(1), 1–9.
Aneke et al. “Pengaruh Penggunaan Uang Elektronik terhadap Perilaku Konsumen”, Prosiding Hukum Ekonomi Syariah, Vol. 6, No. 1, 2020, h. 2.
Auliya, afifah Hasna dan Fajriati, Disya Intan. Self-Isolation Intention Analysis of Unusual Purchasing Behavior During Covid-19in the case of E-Commerce. International Journal Administration, Business and Organization, Vol. 2 (2), 2021: 48-58
Bank Indonesia. (2009). Bank Indonesia E-money. E-Finance, 11/12/PBI/. https://www.bi.go.id/elicensing/helps/PBI_111209-Emoney.pdf
Chaniago, H., & Efawati, Y. (2022). The implementation of integrated marketing communication on retail business: Moslem consumers' perceptions. International Journal of Business and Globalisation, 30(2), 187-206. https://doi.org/10.1504/IJBG.2022.122664
Dewi (2013). Pelayanan Konsumen terhadap kualitas produk Mobil LCGC (Low Cost Green Car) ; Fakultas Ilmu Sosial dan Politik Universitas Hasanuddin Makassar. Pelayanan Konsumen Terhadap Kualitas Produk Mobil LCGC (Low Cost Green Car), 1, 9–16.
Dwi Sari, A. N., Malik, Z. A., & Hidayat, Y. R. (2020). Pengaruh Penggunaan Uang Elektronik (E-Money) terhadap Perilaku Konsumen. Prosiding Hukum Ekonomi Syariah, 1. https://doi.org/10.29313/syariah.v0i0.19202
Efawati, Y., Ahman, E., & Chaniago, H. (2021, September). The effect of entrepreneurial leadership on firm innovation through innovative work behavior. In 5th Global Conference on Business, Management and Entrepreneurship (GCBME 2020) (pp. 188-194). Atlantis Press. https://doi.org/10.2991/aebmr.k.210831.037
Efawati, Y. (2020). The influence of working conditions, workability and leadership on employee performance. International Journal Administration, Business & Organization, 1(3), 8-15. https://doi.org/10.61242/ijabo.20.40
Efawati, Y., & Hermawan, N. J. (2020). Making Sense Of The “Product Attributes” Trends: A Review Of Consumers Drink Choice Behavior And Industry Implications. International Journal Administration, Business & Organization, 1(2), 28-37. https://doi.org/10.61242/ijabo.20.35
Efawati, Y., & Harmon, H. (2018). The Strategies of Small Business in Floriculture Industry. In of the 2nd Global Conference on Business, Management and Entrepreneurship (GCBME 2017)-Increasing Management Relevance and Competitiveness (pp. 118-124). https://doi.org/10.5220/0007115801180124
Efawati, Y. (2016). Faktor Penentu Keberhasilan Pasar Fashion Tradisional. Jurnal Riset Bisnis Dan Investasi, 2(1), 13-13.
Fadlillah, F., F. Sudah Saatnya Beralih ke E-money, Alat Pembayaran Zaman Now, 2018, (https://www.kemenkeu.go.id/publikasi/artikel-dan-opini/sudah-saatnya-beralih-ke-e-money-alatpembayaran-zaman-now/). Diakses pada tanggal 1 April 2023.
Indriani, Eni dan Salma, Neng Debi Husnan. The Effect of Using Information and Communication Technology On The Performance of SMEs in Bandung During The Covid-19 Pandemic. International Journal Administration, Business and Organization, 2021, Vol. 2(3), 2021:10-22
Jati, Warsisto Raharjo. “Less Cash Society: Mengakar Mode Konsumerisme Baru Kelas Menengah Indonesia”, Jurnal Sosioteknologi, Vol. 14, No. 2, 2015.
Kotler P. dan Keller. 2008. Marketing Management. Millenium Edition North Western University. New Jersey (US): Prentice Hall Inc.
Muharam, Hari., Chaniago, Harmon., Endraria, Endraria., Harun, Amran Bin.(2021). E-Service Quality, Customer Trust And Satisfaction: Market Place Consumer Loyalty Analysis. Jurnal Minds: Manajemen Ide dan InspirasiVol. 8, No.2. 2021: 237-254. DOI:10.24252/minds.v8i2.23224
Munandar, A., & Efawati, Y. (2020). Identification on Brand Loyalty (Study on Honda motorcycle namely Mega Pro). International Journal Administration, Business & Organization, 1(1), 25-31. https://doi.org/10.61242/ijabo.20.21
Risna. (2020). Perubahan Perilaku Konsumen saat PSBB Fase 2. Jurnal Entrepreneur.
Rosyid, Lina, dan Rosyid, L. (1997). P. K. B. L. of C. pada R. P. (1997). Perilaku Konsumtif Berdasar Locus of Control pada Remaja. Psikologika, 5–13.
Schiffman, L., & Kanuk,L. 2011. Perilaku Konsumen. New Jersey: Prentice Hall.
Setiaji, B. 1995. Konsumerisme, Akademika No. 1. Tahun XIII. Surakarta: Muhammadiyah University Press.
Suminar, E. dan Meiyuntari, T. Konsep Diri, Konformitas dan Perilaku Konsumtif pada Remaja, Jurnal Psikologi Indonesia, Vol. 4, No. 02, Mei 2015, loc.cit.
Syifa, Lailatu. “Pengaruh Kemudahan Penggunaan Mobile Banking terhadap Perilaku Konsumtif Mahasiswa FITK UIN Syarif Hidayatullah Jakarta”. Skripsi pada UIN Syarif Hidayatullah Jakarta. Jakarta: UIN Syarif Hidayatullah, 2019.
Triyaningsih, S. L. (2011). Dampak online marketing melalui facebook terhadap perilaku konsumtif masyarakat. Jurnal Ekonomi Dan Kewirausahaan. 11(2), 172–177.
Undang-Undang Keputusan Perindustrian dan Perdagangan Nomor 350/MPP/Kep/12/2001
Copyright (c) 2026 Ajeng Ayu Pratiwi

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish in this journal agree to the following terms:
- The authors confirm that they are the authors of the submitted article, which will be published (online) in the journal IJABO (International Journal Administration, Business & Organization) by the Asosiasi Ahli Administrasi Indonesia (A3i), Bandung, Indonesia. The author’s name will be evident in the article. The publisher makes all decisions regarding the layout and distribution of the work.
- Authors guarantee that the work is their own original creation and does not infringe any statutory or common-law copyright or any proprietary right of any third party. In case of claims by third parties, authors commit themself to defend the interests of the publisher and shall cover any potential costs.
- Authors retain copyright and grant the journal the right of first publication, with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License (CC BY-SA 4.0). This license allows the redistribution and reuse of papers provided the authorship is properly credited.
- Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., posting it to an institutional repository or publishing it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as this can lead to productive exchanges and earlier and greater citations of published work.











