Analisis Faktor-Faktor yang Memengaruhi Financial Satisfaction Pengguna E-Wallet

Amelia, May; Isbanah, Yuyun

doi:10.26740/jim.v9n2.p426-437

Cited by 19 publications

(41 citation statements)

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“…Seseorang yang bergaya hidup konsumtif cenderung memiliki pengeluaran lebih besar dibanding pendapatan yang diterima. Pendapatan merupakan total dari pendapatan rill seluruh anggota keluarga untuk memenuhi kebutuhan bersama maupun individu dalam keluarga (Amelia & Isbanah, 2021). Dan sikap hidup konsumtif pun sepertinya sudah menjadi budaya di Indonesia.…”

Section: Pendahuluanunclassified

Pengaruh Literasi Keuangan, Lifestyle Hedonis dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa

Wahyuni

Radiman²,

Kinanti³

2023

Owner

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Financial behavior is a person's ability to manage planning, budgeting, checking, managing, controlling, finding and storing daily financial funds. One of the factors that influence financial behavior is knowledge about financial literacy. The author's purpose is to determine the effect of financial literacy, hedonic lifestyle and personal financial attitudes on financial behavior in students of the economics faculty of management study program class l2018. The numberl of samplesl in thisl study werel 84 students usingl the slovinl formula. Thel analysis technique inl this studyl uses multiplel linear lregression, multiple correlationl determination, t testl and F ltest. Thel results ofl this studyl indicate thatl financial literacyl (X1) hasl a positivel and significantl effect onl financial behavior (Y). Hedonic Lifestyle (X2) hasl no effectl on financial behavior (Y). Personal financial attitude (X3) hasl no effectl on financial behavior (Y). Financiall literacy, hedonic lifestyle and personal financial attitudes simultaneously have a significant effect on financial behavior (studentsll of the 2018 classl of managementl study programl at Universitas Muhammadiyahl Sumatera Utara).

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Section: Pendahuluanunclassified

Pengaruh Literasi Keuangan, Lifestyle Hedonis dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa

Wahyuni

Radiman²,

Kinanti³

2023

Owner

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“…Alat pembayaran non-tunai ini dapat pula mengurangi pencetakan uang kartal yang masuk dalam anggaran pemerintah, sehingga mempermudah pula Bank Indonesia dalam melihat transaksi gelap dan pencucian uang. Katadata Insight Center telah melakukan riset mengenai jumlah pengguna dari e-wallet (dompet digital) yang menunjukkan angka 9,1% (Amelia and Isbanah 2021). Layanan e-wallet di Indonesia melalui riset yang dilakukan oleh Ipsos mengemukakan bahwa ShopeePay menjadi favorit masyarakat karena pelayanannya di angka 82%, lalu disusul OVO dengan tingkat kepuasan 77%, Gopay 71%, Dana 69%, dan terakhir Link Aja 67% (Valencia and Layman 2021).…”

Section: Pendahuluanunclassified

“…Pada dasarnya, kondisi keuangan yang sehat secara finansial termasuk ke dalam aspek kepuasan keuangan, karena seseorang merasakan kebahagiaan dan terbebas dari rasa khawatir terhadap kondisi keuangannya. Joo & Grable mengungkapkan bahwa financial satisfaction yang dirasakan oleh seorang individu disebabkan oleh beberapa faktor yang terdiri dari financial knowledge, financial behavior, financial stressors, financial solvency, serta risk tolerance (Armilia and isbanah 2020). Sejalan dengan hal tersebut, Hayhoe dkk juga menunjukkan bahwa terdapat hubungan antara sikap keuangan dengan tingkat masalah keuangan.…”

Section: Pendahuluanunclassified

“…Sejalan dengan penelitian tersebut, menunjukkan bahwa kondisi keuangan yang dimiliki seseorang, dapat diimplikasikan dalam sikap sehingga mampu mempertahankan nilai dalam mengambil keputusan dan pengelolaan keuangan yang baik. Meskipun demikian, terdapat perbedaan hasil penelitian yang ditunjukkan oleh Nadhia Armilia dan Yuyun Isbanah yang menyatakan bahwa financial attitude tidak berpengaruh terhadap financial satisfaction (Armilia and isbanah 2020). Terjadinya perbedaan dengan penelitian ini dikarenakan populasi penelitian yang berbeda.…”

Section: Tabel 3 Hasil T-testunclassified

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Signifikansi Literasi Keuangan terhadap Pengguna Aktual Dompet Digital

Karsono

Salma²

2022

BISNIS

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The emergence of many conveniences in using digital wallets are the goal in this study, namely to determine the effect of the three components of financial literacy on the financial satisfaction of digital wallet users in Generation Z. The three components of financial literacy consist of financial behaviour, financial attitude and financial knowledge. This study uses a quantitative descriptive analysis method, with purposive sampling method for determining the population that consist of 40,000 ShopeePay Indonesia Twitter account followers and a sample of 380 ShopeePay Indonesia Twitter account followers. Data collection techniques use literature and questionnaires with Likert scale techniques. The analysis technique in this study uses multiple linear regression analysis with SPSS 24 software tools for windows. The results showed that the financial behaviour variable (X1) had no partial effect on financial satisfaction. While the variables of financial attitude (X2) and financial knowledge (X3) have partial effect on financial satisfaction. The variables of financial behaviour, financial attitude, and financial knowledge simultaneously affect the financial satisfaction of Shopeepay digital wallet users in Generation Z. Therefore, there are need a development in this research and can be used as theoretical support, especially in the financial literacy component.

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“…This shows that consumer perceptions have a significant positive impact on the intention to use fintech (Sijabat et al, 2019). Research's Armilia & Isbanah (2019) showed that financial behavior has a significant positive impact on financial satisfaction within fintech. This is reinforced by the benefits effect of using fintech, and perceptions of trust have a significant positive effect on the intention to use fintech payments (Purwantini & Amalia, 2021).…”

Section: Introductionmentioning

confidence: 99%

Behavioral Financial Aspects Analysis on MSMEs Business Development of Culinary Sector in Semarang City

Tyoso¹,

Soegiastuti²

2023

JPEB

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This study was proposed to study and analyze behavioral financial technologies for the development of MSMEs in the culinary field in the city of Semarang. There has been a lot of research related to fintech (fintech) or fintech topics or issues, but not much research has been found on behavioral fintech, especially related to MSME business development. The sample of the study is 125 culinary MSMEs in the city of Semarang. The data collected through the questionnaires was then analyzed using smartpls. This study found that financial satisfaction, owner characteristics, social impact, and risk reduction had a positive (significant) impact on behavioral finance, while financial literacy had a significant negative impact on behavioral finance. Behavioral financial factors have a significant positive impact on MSME business development. This means that Behavioral Finance as a mediation variable between Financial Satisfaction, Owner Characteristics, Financial Literacy, Risk Mitigation, Social Influence variables affecting on business development. Many of them (MSMEs) claimed that they have no experience of using digital technologies themselves, in this case, online transaction applications, and they still did not understand financial literacy. Future research on other variables that do have a positive and significant impact on MSME business development. The sample size also needs to be increased in size and diversity of the MSME sector by at least 60-70% in order for the study to better describe the situation and the state of the MSME.Keywords:behavioral finance, financial satisfaction, financial literacy, risk reduction, social impact business development

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Analisis Faktor-Faktor yang Memengaruhi Financial Satisfaction Pengguna E-Wallet

Cited by 19 publications

References 0 publications

Pengaruh Literasi Keuangan, Lifestyle Hedonis dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa

Pengaruh Literasi Keuangan, Lifestyle Hedonis dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa

Signifikansi Literasi Keuangan terhadap Pengguna Aktual Dompet Digital

Behavioral Financial Aspects Analysis on MSMEs Business Development of Culinary Sector in Semarang City

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