Pengaruh Pendapatan dan Literasi Keuangan terhadap Penggunaan E-Wallet pada Mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Universitas Sebelas Maret
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Apr 30, 2024
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Abstract
This study aims to determine the effect of income and financial literacy on the use of e-wallets on students of the Faculty of Teacher Training and Education, Sebelas Maret University. The sampling technique in this study used non-probability sampling, namely purposive sampling with a sample of 271 respondents. The validity and reliability test techniques used are Pearson Product Moment and Cronbach Alpha. The research method used is descriptive quantitative. The data analysis technique used in this research is descriptive statistical analysis and multiple linear regression analysis. The results of this study found that: (1) Income has a positive and significant influence on the use of e-wallets on FKIP UNS students with a t test value, namely, t count 6.432> 1.986 (t table) and significance 0.000 <0.05. (2) Financial literacy has a positive and significant effect on the use of e-wallets in FKIP UNS students with a t test value, namely, t count 11.467> 1.986 (t table) and a significance of 0.000 <0.05. (3) Income and financial literacy have a simultaneous influence on the use of e-wallets in FKIP UNS students with a significance of 0.000 <0.05.
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Kharisma, N. I., Totalia, S. A., & Octoria, D. (2024). Pengaruh Pendapatan dan Literasi Keuangan terhadap Penggunaan E-Wallet pada Mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Universitas Sebelas Maret. Journal on Education, 6(3), 17817-17829. https://doi.org/10.31004/joe.v6i3.5714
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References
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Awalina, M. (2019). Pengaruh Persepsi Kemanfaatan, Kemudahan dan Literasi Keuangan terhadap Minat Penggunaan Uang Elektronik Berbasis Server di Kalangan Mahasiswa Dalam Perspektif Islam.
Balasubramnian, B., & Sargent, C. S. (2020). Impact of inflated perceptions of financial literacy on financial decision making. Journal of Economic Psychology, 80, 102306. https://doi.org/10.1016/j.joep.2020.102306
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De Bassa Scheresberg, C., Hasler, A., & Lusardi, A. (2020). Millennial Mobile Payment Users: A Look Into Their Personal Finances And Financial Behavior. ADBI Working Paper Series, 1074. https://www.adb.org/publications/millennial-mobile-
Eun ju, L., & Jinkook, L. (2001). Consumer Adoption of Internet Banking: Need-Based and/or Skill Based. Marketing Management Journal, 11(1).
Farahdiba, E. S. (2019). Analisis faktor-faktor yang memengaruhi minat pengguna E-wallet (electronic wallet) sebagai alat transaksi terhadap mahasiswa di Yogyakarta (Studi Kasus : Mahasiswa Pengguna Layanan E-Wallet OVO di Yogyakarta). Universitas Islam Indonesia.
Febry, & Teofilus. (2020). SPSS: Aplikasi Pada Penelitian Manajemen Bisnis. In Suparyanto dan Rosad (2015 (Vol. 5, Issue 3).
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Hakim, S. H., Rahman, A., & Syafii, M. (2022). Analisis Faktor-Faktor yang Mempengaruhi penggunaan E-Wallet di Sumatera utara. Owner, 6(2), 1171–1183. https://doi.org/10.33395/owner.v6i2.566
Hernández, B., Jiménez, J., & Martín, M. J. (2011). Age, gender and income: Do they really moderate online shopping behaviour? Online Information Review, 35(1), 113–133. https://doi.org/10.1108/14684521111113614
Hung, A., Parker, A. M., & Yoong, J. (2011). Defining and Measuring Financial Literacy. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1498674
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Kabir, M. A., Saidin, S. Z., & Ahmi, A. (2017). Analysis of factors that influence electronic payment adoption. Journal of Engineering and Applied Sciences, 12(Specialissue3), 6560–6568. https://doi.org/10.3923/jeasci.2017.6560.6568
Kasirye, F., Mahmudul, S., Masum, H., & Mahmudul, S. M. (2021). The Effects of e-Wallet among Various Types of Users in Malaysia: A Comparative Study. Article in Asian Journal of Research in Business Economics and Management, 3(2), 26–41. http://myjms.mohe.gov.my/index.php/ajrbm
Kolodinsky, J. M., Hogarth, J. M., & Hilgert, M. A. (2004). The adoption of electronic banking technologies by US consumers. International Journal of Bank Marketing, 22(4), 238–259. https://doi.org/10.1108/02652320410542536
Krysiak, F. C., & Krysiak, D. (2003). Production, consumption, and general equilibrium with physical constraints. Journal of Environmental Economics and Management, 46(3), 513–538. https://doi.org/10.1016/S0095-0696(03)00028-7
Kusumapradana, B. S., & Aisyah, S. (2022). The Effect of Financial Literacy and Financial Attitude on the Use of Digital Wallets among Student in Surakarta City. 5(2), 193–206.
Lee, E. J., Lee, J., & Eastwood, D. (2003). A Two-Step Estimation of Consumer Adoption of Technology-Based Service Innovations. Journal of Consumer Affairs, 37(2), 256–282. https://doi.org/10.1111/j.1745-6606.2003.tb00453.x
Long, T. Q., Morgan, P. J., & Yoshino, N. (2023). Financial literacy, behavioral traits, and ePayment adoption and usage in Japan. Financial Innovation, 9(1). https://doi.org/10.1186/s40854-023-00504-3
Lusardi, A., & Scheresberg, C. de B. (2013). Financial lteracy and high-cost borrowing in the united states. National Bureau of Economic Research, 1–41. https://www.nber.org/papers/w18969
Muthia, F., Novriansa, A., & Andaiyani, S. (2023). Do Demographic Factors Affect Digitial Financial Literacy? Sriwijaya International Journal of Dynamic Economics and Business, 7(June), 41–50. https://doi.org/10.29259/sijdeb.v7i1.41-50
Nizam, F., Hwang, H. J., & Valaei, N. (2019). Measuring the effectiveness of E-wallet in Malaysia. In Studies in Computational Intelligence (Vol. 786). Springer International Publishing. https://doi.org/10.1007/978-3-319-96803-2_5
Okello Candiya Bongomin, G., Mpeera Ntayi, J., & Akol Malinga, C. (2020). Analyzing the relationship between financial literacy and financial inclusion by microfinance banks in developing countries: social network theoretical approach. International Journal of Sociology and Social Policy, 40(11–12), 1257–1277. https://doi.org/10.1108/IJSSP-12-2019-0262
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61(2016), 404–414. https://doi.org/10.1016/j.chb.2016.03.030
Ouma, S. A., Odongo, T. M., & Were, M. (2017). Mobile financial services and financial inclusion : is it a boon for savings mobilization? | Review of Development Finance (pp. 1–7). Elsevier B.V. https://doi.org/http://dx.doi.org/10.1016/j.rdf.2017.01.001
Porter, C. E., & Donthu, N. (2006). Using the technology acceptance model to explain how attitudes determine Internet usage: The role of perceived access barriers and demographics. Journal of Business Research, 59(9), 999–1007. https://doi.org/10.1016/j.jbusres.2006.06.003
Rakasiwi, L. S. (2021). Pengaruh Faktor Demografi dan Sosial Ekonomi terhadap Status Kesehatan Individu di Indonesia. Kajian Ekonomi Dan Keuangan, 5(2), 146–157. https://doi.org/10.31685/kek.v5i2.1008
Safitri, A. O. (2023). Pengaruh Pendapatan, Usia, Gaya Hidup dan Curahan Jam Kerja Terhadap Motivasi Bertansaksi E-Wallet (Studi Kasus: Pegawai Bank Rakyat Indonesia dan Bank Tabungan Negara Kota Jambi). Universitas Negeri Jambi.
Salloum, S. A., Al-Emran, M., Khalaf, R., Habes, M., & Shaalan, K. (2019). An innovative study of e-payment systems adoption in higher education: Theoretical constructs and empirical analysis. International Journal of Interactive Mobile Technologies, 13(6), 68–83. https://doi.org/10.3991/ijim.v13i06.9875
Shafly, N. A. (2020). Penerapan Model UTAUT2 Untuk Menjelaskan Behavioral Intention Dan Use Behavior Penggunaan Mobile Banking Di Kota Malang. Jurnal Ilmiah Mahasiswa FEB, 8(2).
Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50(May 2019), 191–205. https://doi.org/10.1016/j.ijinfomgt.2019.05.022
Sugiyono. (2015). Metode Penelitian Pendidikan (Pendekatan Kuantitatif, Kualitatif dan R&D). Alphabet.
Walgito, B. (2004). Pengantar Psikologi. Andi Offset.
Wang, S., & Chen, Y. (2022). Consumption Coupons, Consumption Probability and Inventory Optimization: An Improved Minimum-Cost Maximum-Flow Approach. Sustainability (Switzerland), 14(13). https://doi.org/10.3390/su14137759
Wibowo, A. (2022). Pengaruh literasi keuangan, kualitas platform pinjaman online terhadap minat penggunaan pinjaman online dengan inklusi keuangan sebagai variabel pemoderasi. Stie malangkucecwara.
Widiyanti, W. (2020). Pengaruh Kemanfaatan, Kemudahan Penggunaan dan Promosi terhadap Keputusan Penggunaan E-Wallet OVO di Depok. Moneter - Jurnal Akuntansi Dan Keuangan, 7(1), 54–68. https://doi.org/10.31294/moneter.v7i1.7567
Widyasanti, I. A. H., & Suarmanayasa, I. N. (2023). Pengaruh Literasi Keuangan dan Persepsi Manfaat Terhadap Minat Penggunaan E-Wallet Mahasiswa Prodi S1 Manajemen Universitas Pendidikan Ganesha. Bisma: Jurnal Manajemen, 9(2), 145–154. https://doi.org/10.23887/bjm.v9i2.64250
Wiwik, V., Achmadi, A., & Syahrudin, H. (2023). Pengaruh Literasi Keuangan terhadap Penggunaan E-Wallet Serta Dampaknya terhadap Perilaku Keuangan Mahasiswa Pendidikan Ekonomi FKIP Untan Pontianak. Jurnal Sinestesia, 13(2), 1374–1381. https://sinestesia.pustaka.my.id/journal/article/view/514%0Ahttps://sinestesia.pustaka.my.id/journal/article/download/514/248
Yennisa, Y., & Putri, H. R. N. (2023). Faktor-Faktor yang Berpengaruh Pada Keputusan Penggunaan e-wallet dalam Transaksi Pembayaran (Studi di Pasar Tradisional Daerah Istimewa Yogyakarta). UPY Business and Management Journal (UMBJ), 2(2), 30–39. https://doi.org/10.31316/ubmj.v2i2.5075
Aditya, T., & Mahyuni, L. P. (2022). Pengaruh literasi keuangan, persepsi kemudahan, manfaat, keamanan dan pengaruh sosial terhadap minat penggunaan fintech. FORUM EKONOMI: Jurnal Ekonomi, Manajemen Dan Akuntansi, 2(2), 245–258. https://doi.org/10.29264/jfor.v24i2.10330
Adiyanti, A. I. (2015). Pengaruh Pendapatan, Manfaat, Kemudahan Penggunaan, Daya Tarik Promosi, dan Kepercayaan terhadap Minat Menggunakan Layanan E-Money (Studi Kasus: Mahasiswa Universitas Brawijaya). Jurnal Ilmiah Mahasiswa FEB, 3(1), 1–13. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/1590/1456
Akinci, S., Aksoy, Ş., & Atilgan, E. (2004). Adoption of Internet banking among sophisticated consumer segments in an advanced developing country. International Journal of Bank Marketing, 22(3), 212–232. https://doi.org/10.1108/02652320410530322
Apriliana, R. marisa. (2020). The Roles of Financial Literacy in Interest To Use Go-Pay. Fakultas Ilmu Agama Islam Universitas Islam Indonesia.
Awalina, M. (2019). Pengaruh Persepsi Kemanfaatan, Kemudahan dan Literasi Keuangan terhadap Minat Penggunaan Uang Elektronik Berbasis Server di Kalangan Mahasiswa Dalam Perspektif Islam.
Balasubramnian, B., & Sargent, C. S. (2020). Impact of inflated perceptions of financial literacy on financial decision making. Journal of Economic Psychology, 80, 102306. https://doi.org/10.1016/j.joep.2020.102306
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). Davis1989 (1).Pdf. July 2018.
De Bassa Scheresberg, C., Hasler, A., & Lusardi, A. (2020). Millennial Mobile Payment Users: A Look Into Their Personal Finances And Financial Behavior. ADBI Working Paper Series, 1074. https://www.adb.org/publications/millennial-mobile-
Eun ju, L., & Jinkook, L. (2001). Consumer Adoption of Internet Banking: Need-Based and/or Skill Based. Marketing Management Journal, 11(1).
Farahdiba, E. S. (2019). Analisis faktor-faktor yang memengaruhi minat pengguna E-wallet (electronic wallet) sebagai alat transaksi terhadap mahasiswa di Yogyakarta (Studi Kasus : Mahasiswa Pengguna Layanan E-Wallet OVO di Yogyakarta). Universitas Islam Indonesia.
Febry, & Teofilus. (2020). SPSS: Aplikasi Pada Penelitian Manajemen Bisnis. In Suparyanto dan Rosad (2015 (Vol. 5, Issue 3).
Geetha R, & Veena. (2017). Financial Literacy And Usage Pattern Of Mobile Wallets Across Gender Categories In India. 12. https://ssrn.com/abstract=3063108www.theinternationaljournal.org
Hakim, S. H., Rahman, A., & Syafii, M. (2022). Analisis Faktor-Faktor yang Mempengaruhi penggunaan E-Wallet di Sumatera utara. Owner, 6(2), 1171–1183. https://doi.org/10.33395/owner.v6i2.566
Hernández, B., Jiménez, J., & Martín, M. J. (2011). Age, gender and income: Do they really moderate online shopping behaviour? Online Information Review, 35(1), 113–133. https://doi.org/10.1108/14684521111113614
Hung, A., Parker, A. M., & Yoong, J. (2011). Defining and Measuring Financial Literacy. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1498674
Ismanto, H., Widiastuti, A., Muharam, H., Pangestuti, I. R. ., & Rofiq, F. (2019). Perbankan dan Literasi Keuangan (Pertama). CV Budi Utama.
Johan, S. (2022). The Demography Impact On Financial Literacy An Empirical Studies in Indonesia. Economica, 10(2), 145–160. https://doi.org/10.22202/economica.2022.v10.i2.4989
Kabir, M. A., Saidin, S. Z., & Ahmi, A. (2017). Analysis of factors that influence electronic payment adoption. Journal of Engineering and Applied Sciences, 12(Specialissue3), 6560–6568. https://doi.org/10.3923/jeasci.2017.6560.6568
Kasirye, F., Mahmudul, S., Masum, H., & Mahmudul, S. M. (2021). The Effects of e-Wallet among Various Types of Users in Malaysia: A Comparative Study. Article in Asian Journal of Research in Business Economics and Management, 3(2), 26–41. http://myjms.mohe.gov.my/index.php/ajrbm
Kolodinsky, J. M., Hogarth, J. M., & Hilgert, M. A. (2004). The adoption of electronic banking technologies by US consumers. International Journal of Bank Marketing, 22(4), 238–259. https://doi.org/10.1108/02652320410542536
Krysiak, F. C., & Krysiak, D. (2003). Production, consumption, and general equilibrium with physical constraints. Journal of Environmental Economics and Management, 46(3), 513–538. https://doi.org/10.1016/S0095-0696(03)00028-7
Kusumapradana, B. S., & Aisyah, S. (2022). The Effect of Financial Literacy and Financial Attitude on the Use of Digital Wallets among Student in Surakarta City. 5(2), 193–206.
Lee, E. J., Lee, J., & Eastwood, D. (2003). A Two-Step Estimation of Consumer Adoption of Technology-Based Service Innovations. Journal of Consumer Affairs, 37(2), 256–282. https://doi.org/10.1111/j.1745-6606.2003.tb00453.x
Long, T. Q., Morgan, P. J., & Yoshino, N. (2023). Financial literacy, behavioral traits, and ePayment adoption and usage in Japan. Financial Innovation, 9(1). https://doi.org/10.1186/s40854-023-00504-3
Lusardi, A., & Scheresberg, C. de B. (2013). Financial lteracy and high-cost borrowing in the united states. National Bureau of Economic Research, 1–41. https://www.nber.org/papers/w18969
Muthia, F., Novriansa, A., & Andaiyani, S. (2023). Do Demographic Factors Affect Digitial Financial Literacy? Sriwijaya International Journal of Dynamic Economics and Business, 7(June), 41–50. https://doi.org/10.29259/sijdeb.v7i1.41-50
Nizam, F., Hwang, H. J., & Valaei, N. (2019). Measuring the effectiveness of E-wallet in Malaysia. In Studies in Computational Intelligence (Vol. 786). Springer International Publishing. https://doi.org/10.1007/978-3-319-96803-2_5
Okello Candiya Bongomin, G., Mpeera Ntayi, J., & Akol Malinga, C. (2020). Analyzing the relationship between financial literacy and financial inclusion by microfinance banks in developing countries: social network theoretical approach. International Journal of Sociology and Social Policy, 40(11–12), 1257–1277. https://doi.org/10.1108/IJSSP-12-2019-0262
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61(2016), 404–414. https://doi.org/10.1016/j.chb.2016.03.030
Ouma, S. A., Odongo, T. M., & Were, M. (2017). Mobile financial services and financial inclusion : is it a boon for savings mobilization? | Review of Development Finance (pp. 1–7). Elsevier B.V. https://doi.org/http://dx.doi.org/10.1016/j.rdf.2017.01.001
Porter, C. E., & Donthu, N. (2006). Using the technology acceptance model to explain how attitudes determine Internet usage: The role of perceived access barriers and demographics. Journal of Business Research, 59(9), 999–1007. https://doi.org/10.1016/j.jbusres.2006.06.003
Rakasiwi, L. S. (2021). Pengaruh Faktor Demografi dan Sosial Ekonomi terhadap Status Kesehatan Individu di Indonesia. Kajian Ekonomi Dan Keuangan, 5(2), 146–157. https://doi.org/10.31685/kek.v5i2.1008
Safitri, A. O. (2023). Pengaruh Pendapatan, Usia, Gaya Hidup dan Curahan Jam Kerja Terhadap Motivasi Bertansaksi E-Wallet (Studi Kasus: Pegawai Bank Rakyat Indonesia dan Bank Tabungan Negara Kota Jambi). Universitas Negeri Jambi.
Salloum, S. A., Al-Emran, M., Khalaf, R., Habes, M., & Shaalan, K. (2019). An innovative study of e-payment systems adoption in higher education: Theoretical constructs and empirical analysis. International Journal of Interactive Mobile Technologies, 13(6), 68–83. https://doi.org/10.3991/ijim.v13i06.9875
Shafly, N. A. (2020). Penerapan Model UTAUT2 Untuk Menjelaskan Behavioral Intention Dan Use Behavior Penggunaan Mobile Banking Di Kota Malang. Jurnal Ilmiah Mahasiswa FEB, 8(2).
Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50(May 2019), 191–205. https://doi.org/10.1016/j.ijinfomgt.2019.05.022
Sugiyono. (2015). Metode Penelitian Pendidikan (Pendekatan Kuantitatif, Kualitatif dan R&D). Alphabet.
Walgito, B. (2004). Pengantar Psikologi. Andi Offset.
Wang, S., & Chen, Y. (2022). Consumption Coupons, Consumption Probability and Inventory Optimization: An Improved Minimum-Cost Maximum-Flow Approach. Sustainability (Switzerland), 14(13). https://doi.org/10.3390/su14137759
Wibowo, A. (2022). Pengaruh literasi keuangan, kualitas platform pinjaman online terhadap minat penggunaan pinjaman online dengan inklusi keuangan sebagai variabel pemoderasi. Stie malangkucecwara.
Widiyanti, W. (2020). Pengaruh Kemanfaatan, Kemudahan Penggunaan dan Promosi terhadap Keputusan Penggunaan E-Wallet OVO di Depok. Moneter - Jurnal Akuntansi Dan Keuangan, 7(1), 54–68. https://doi.org/10.31294/moneter.v7i1.7567
Widyasanti, I. A. H., & Suarmanayasa, I. N. (2023). Pengaruh Literasi Keuangan dan Persepsi Manfaat Terhadap Minat Penggunaan E-Wallet Mahasiswa Prodi S1 Manajemen Universitas Pendidikan Ganesha. Bisma: Jurnal Manajemen, 9(2), 145–154. https://doi.org/10.23887/bjm.v9i2.64250
Wiwik, V., Achmadi, A., & Syahrudin, H. (2023). Pengaruh Literasi Keuangan terhadap Penggunaan E-Wallet Serta Dampaknya terhadap Perilaku Keuangan Mahasiswa Pendidikan Ekonomi FKIP Untan Pontianak. Jurnal Sinestesia, 13(2), 1374–1381. https://sinestesia.pustaka.my.id/journal/article/view/514%0Ahttps://sinestesia.pustaka.my.id/journal/article/download/514/248
Yennisa, Y., & Putri, H. R. N. (2023). Faktor-Faktor yang Berpengaruh Pada Keputusan Penggunaan e-wallet dalam Transaksi Pembayaran (Studi di Pasar Tradisional Daerah Istimewa Yogyakarta). UPY Business and Management Journal (UMBJ), 2(2), 30–39. https://doi.org/10.31316/ubmj.v2i2.5075