Determinan tingkat penggunaan aplikasi non tunai
Abstract
Changes in the payment system are developing more rapidly following technological developments, this has caused a change in lifestyle in the behavior of students who used to transact using cash now being replaced by electronic money (e-money). There are several conveniences enjoyed by Tadulako University accounting students as a cashless society, the first of which is more efficient and saves time. As a student, you often don't have much time to eat in the canteen because of the demands of assignments or other academic matters. Waiting for the payment queue is sometimes very time-consuming. With payments using QRIS, it is enough to make payments via scan with the non-cash payment application and enter the nominal payment, the payment will be automatically received by the seller. This research examine the determinant (Lifestyle, Income, and Consumptive Behavior) affecting the level of use of non-cash applications on Tadulako University accounting students. This study's population consisted of all currently enrolled Accounting students—a total of 1,026 students—with a sample size of 293 respondents. The classical assumption is tested first, and the analysis technique employs the Multiple Regression analysis method. Lifestyle has a positive and significant effect, income has a positive and significant effect, and consumption behavior has a positive and significant effect, according to the analysis in this study.
Keywords
Full Text:
PDFReferences
Ancok, D. 1995. Nuansa Psikologi Pembangunan. Yogyakarta: Pustaka Pelajar.
Abbas, A. E. (2017). Literature review of a cashless society in Indonesia: evaluating the progress. International Journal of Innovation, Management and Technology, 8(3), 193-196.
Akinola, O,. S. (2012). Cashless Society, Problems and Prospects, Data Mining Research Potentials. International Journal of Computer Science and Telecommunications 3 (8)
Bank Indonesia. 2006. Persepsi, Preferensi dan Perilaku Masyarakat dan Lembaga Penyedia Jasa Terhadap Pembayaran Sistem Pembayaran Non Tunai. Bank Indonesia.gis
Ghozali, I. (2013). Aplikasi Analisis Multivariate dengan Program IBM SPSS. Semarang: Badan Penerbit Universitas Diponegoro.)
KBBI, 2022. Kamus Besar Bahasa Indonesia (KBBI). [Online, diakses tanggal 16 mei 2022]
Mangkunegara, Prabu A. 2009.Perilaku Konsumen. Bandung: Refika Aditama.
Maulana, A., Barnadi, D., & Hardani, W (2009). Jakarta (ID): Erlangga. Terjemahan dari: Principles Of Marketing, Twelfth Edition. Ed ke-12.
Maulana, A. (2018). Analisis pendapatan dan beban operasional dalam meningkatkan laba operasional pada pt. Kharisma pemasaran bersama nusantara (pt. Kpb nusantara) (Doctoral dissertation, Fakultas Ekonomi dan Bisnis Islam).
Nawawi, H. H. (2020). Penggunaan E-wallet di Kalangan Mahasiswa. Emik, 3(2), 189–205. https://doi.org/10.46918/emik.v3i2.697
Rahadi, R., Putri, N., Soekarno, S., Damayanti, S., Murtaqi, I., & Saputra, J. (2021). Analyzing cashless behavior among generation Z in Indonesia. International Journal of Data and Network Science, 5(4), 601-612.
Ramadanti, H., & Nawir, J. (2021). Analisis Perilaku Keuangan Generasi Z Pada Cashless Society: Gaya Hidup, Gaya Hidup, Perilaku Keuangan, Cashless Society. Jurnal Visionida, 7(2), 96-109.
Ramadhani, R. H. 2019. Pengaruh Gaya Hidup, Electronic Money, Gaya Hidup, dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa. Skripsi. Univsersitas Sumatera Utara. Medan.
Sadono, Sukirno. 2011. Makro Ekonomi Teori Pengantar. PT.Raja Grafindo Persada. Jakarta
Setiadi, J. N. 2010. Perilaku Konsumen. Jakarta: Kencana Prenada Media Group.
Sugihartati, R. (2010). Membaca, Gaya Hidup dan Kapitalisme (p. 159).
Triyaningsih, S. L. (2011). Dampak online marketing melalui facebook terhadap perilaku konsumtif masyarakat. Jurnal Ekonomi Dan Kewirausahaan, 11(2), 172–177.
Tumpal Manik. (2019). Analisis Pengaruh Transaksi Digitalisasi Uang Elektronik Terhadap Cashless Society Dan Infrastruktur Uang Elektronik Sebagai Variable Pemodarasi. Jurnal Ilmiah Akuntansi Dan Finansial Indonesia, 2(2), 27–40. https://doi.org/10.31629/jiafi.v2i2.1714
Ulima, Z. N. (2017). Pengaruh Pendapatan dan Penggunaan Alat Pembayaran Non Tunai Terhadap Tingkat Konsumsi. Studi Kasus: Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya. Jurnal Fakultas Ekonomi Dan Bisnis Universitas Brawijaya, Vol. 1(No. 1).
VISA. (2017). Rise of Digitally Engaged Customer .
Wahyuhana, A., & P, I. P. (2019). Pengaruh Gaya Hidup Cashless Terhadap Proses Keputusan Penggunaan Jenius Di Bandung Tahun 2018. 6(1), 1609–1617.
Yasmiartha, M. A. W. V. (2019). Pengaruh Fenomena Cashless Society Terhadap Gaya Hidup Masyarakat di Jakarta. Edukasi IPS, 3(2), 10-15.
Yasmiartha, M. A. W. V. (2020). Pengaruh Fenomena Cashless Society Terhadap Gaya Hidup Masyarakat di Jakarta. Edukasi IPS, 3(2), 10-15. https://doi.org/10.21009/EIPS.003.2.02
Haryati, D. (2021). Fenomena Cashless Society pada Generasi Milenial dalam Menghadapi Covid-19. Business Innovation & Entrepreneurship Journal
Hana, C., Kusumawati, Y. (2020). Pengaruh Kemampuan Financial dan Kemudahan Terhadap Penggunaan Cash Less Transaction. Akuntabilitas: Jurnal Ilmu-Ilmu Ekonomi, Volume 13 Nomor 2 Tahun 2020 ISSN 1978-6255 (Print)
Novitasani, L. (2014) Paradigma: perubahan gaya hidup konsumtif pada mahasiswa urban di unesa. paradigma. Jurnal Paradigma Volume 02 Nomer 03 Tahun 2014
Karbozova, A., Yestimessova, D., Kadyr, N., Kylyshbek, M., & Nazarov, A. 2021. How cashless operations integrated into Consumer lifestyle in Kazakhstan as a new habit. Higher School Economics, Kazakhztan.
Jakubowska, M. 2020. Potential for the use of cashless payment methods among sports-active Europeans. Faculty of Economic Sciences and Management, Nicolaus Copernicus University in Toruń, Poland
Rivera, J. W. 2019. Potential negative effects of a cashless society: Turning citizens into criminals and other economic dangers. Journal of Money Laundering Control
DOI: https://doi.org/10.26905/j.bijak.v5i2.9358
Refbacks
- There are currently no refbacks.
JURNAL BISNIS DAN PERPAJAKAN (BIJAK) D3 Akuntansi - Fakultas Ekonomi dan Bisnis Fakultas Ekonomi dan Bisnis Building, Terusan Dieng Street 62-64 | Other Link | Follow Us | |||||
|
@2022 JURNAL BISNIS DAN PERPAJAKAN (BIJAK) |
