Analisis Penggunaan E-wallet dan Dampaknya Terhadap Perilaku Konsumtif Mahasiswa Universitas Wahid Hasyim Semarang

Abstrak

ABSTRAK
Penelitian ini dilakukan untuk menganalisis penggunaan e-wallet dan impaknya pada perilaku
konsumtif mahasiswa Universitas Wahid Hasyim Semarang. Sample penelitian adalah mahasiswa
aktif yang melalui aktivitas sehari-hari menggunakan e-wallet. Penelitian ini menggunakan metode
pendekatan kualitatif deskriptif melalui wawancara mendalam, dilengkapi tinjauan pustaka
penggunaan e-wallet dan perilaku konsumtif pada berbagai penelitian. Berdasarkan hasil
penelitian, diketahui bahwa e-wallet dapat memberi kemudahan, efisiensi, dan kecepatan pada segi
transaksi, tetapi dapat pula memicu tingkat aktivitas konsumtif erkek mahasiswa, terutama melalui
pembelian impulsif terhadap promo.

ABSTR
ACT
This study aims to study the use of e-wallets and its impact on consumptive behavior of students
of Universitas Wahid Hasyim Semarang. The participants of this study are active students who are
currently using e-wallets actively in daily life. This study employed a qualitative descriptive
method in the form of depth interview helped with a study of literature of previous studies on the
use of e-wallets and consumptive behavior. The findings indicate that the use of e-wallets provides
enormous benefits of convenience, rapidity, and transaction effectiveness, but also facilitates the
emergence of consumptive behavior of students, particularly through impulsive buys fostered by
promotions, cashbacks, and discounts. Besides, the study proves to show that the impact of the use
of e-wallets is not definitive, as students showing higher self-control are found to use them
rationally and for necessary needs, and students with poor self-control are easily prone to
consumptive behavior excessively. Therefore, the use of e-wallets should not be made a scapegoat
for consumptive behavior, but rather as financial technology tools whose impact is mostly
dependent on the person concerned's self-control, and it becomes essential to foster awareness and
financial discipline among students to provide maximum benefit from using e-wallets without
causing any negative effect on personal financial management.