Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Cashless Transaction Behavior

Authors

  • Rina Ridarana Sari Universitas Nahdlatul Ulama Yogyakarta
  • Zulfatun Ruscitasari Universitas Nahdlatul Ulama Yogyakarta
  • Suhada Suhada Universitas Nahdlatul Ulama Yogyakarta

DOI:

https://doi.org/10.53512/valid.v20i1.264

Keywords:

financial literacy, lifestyle, cashless transaction behavior, non cash transaction

Abstract

The aim of this study is to determine the impact of financial literacy and lifestyle non-cash transaction behavior among Acehnese students in Yogyakarta. This study used quantitative data and the data sources used were distribution of questionnaires (questionnaires) that have been conducted in July 2022. The population and sample for this study were to 100 Acehnese students in Yogyakarta. The analysis technique used is data analysis technique using descriptive research methods and data analysis with Structural Equation Model (PLS). The results obtained partially indicate that mainly based entirely on results of statistical tests it can be seen that financial literacy affects student behavior in non-cash transaction behavior. From the results of the analysis, known to have a positive effect on Financial Literacy on Non-Cash Transaction Behavior with a positive sign of 0.528 and significant at 5% level or it can be said 1 ,96. From i know the results of the analysis a positive effect on Lifestyle on Non-Cash Transaction Behavior with a positive sign of 0.349 and significant at 5% level or it can be said 1 ,96.

References

Akinola, O. S. (2012). Cashless society, problems and prospects, data mining research potentials. International Journal of Computer Science and Telecommunications, 3(8), 49–55.
Anggraini, A. (2020). Pengaruh promosi dan efisiensi dalam bertransaksi terhadap minat penggunaan aplikasi ovo di kartasura.
Baetens, J. (2015). Paper Knowledge: Toward a Media History of Documents. Leonardo, 48(1), 96–97.
Eka Muttasari, W. F., & Lukiastuti, F. (2020). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Cashless Transaction Behavior (Studi Pada Karyawan Sekretariat Daerah Kabupaten Blora). Magisma: Jurnal Ilmiah Ekonomi Dan Bisnis, 8(2), 25–31.
Giriani, A. P., & Susanti. (2021). Pengaruh Literasi Keuangan, Fitur Layanan, dan Kemudahan Penggunaan terhadap Penggunaan e-Money. JAE: Jurnal Akuntansi Dan Ekonomi, 6(2), 27–37.
Hasbia Rizqi Annisa Sita Ramadanti. (2021). Perilaku, Analisis Generasi, Keuangan Cashless, Z Pada Manajemenupn, Jurusan Jakarta, Veteran. 51–52.
Kim, C., Tao, W., Shin, N., & Kim, K. S. (2010). An empirical study of customers’ perceptions of security and trust in e-payment systems. Electronic Commerce Research and Applications, 9(1), 84–95.
Krishna, O. A., Sos, S., & Sari, M. (2007). Analisis Tingkat Literasi Keuangan Di Kalangan Mahasiswa dan Faktor-Faktor yang Mempengaruhinya ( Survey Pada Mahasiswa Universitas Pendidikan Indonesia ). 1–6.
Listfield, R., & Montes-Negret, F. (1994). Modernizing payment systems in emerging economies. World Bank Publications, 1336.
Moelgini, Y., Pembayaran, P., Tunai, N., Jumlah, T., & Yang, U. (2019). JEP-Vol. 8, N0 3, Nopember 2019 | 285. 8, 285–306.
Muliati, M., Busari, A., & Noor, A. (2021). Dampak pembayaran non tunai terhadap perekonomian indonesia. Inovasi, 17(January 2010), 466–475.
Munawar, A., Suryana, S., & Nugraha, N. (2020). Pengaruh Literasi Keuangan Dan Faktor Demografi Terhadap Pengambilan Keputusan Berinvestasi. Akuntabilitas, 14(2), 253–268.
Nababan, D., & Sadalia, I. (2012). Analisis Personal Financial Liteacy Dan Financial Behavior Mahasiswa Strata I Fakultas Ekonomi Universitas Sumatera Utara (Personal Financial literacy Analysis And The Financial Behavior Of Undergraduate Students Of The University Of North Sumatra’s Econo. Media Informasi Manajemen, 1, 1–16.
Nirmala, Miftah, M., & Sri, M. (2020). Analisis Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Mahasiswa dalam Cashless Society.
Pramono, B., Yanuarti, T., Purusitawati, P. D. ., & dan Emmy, Y. T. (2006). Dampak Pembayaran Non Tunai terhadap Perekonomian dan Kebijakan Moneter.
Rahmayanti, D. (2017). Pengaruh Karakteristik Demografi Terhadap Literasi Keuangan Masyarakat Kota Bengkulu. MOTIVASI: Jurnal Manajemen Dan Bisnis Universitas Muhamadiyah Palembang, 2(2), 311–331.
Suleiman, A., Dewaranu, T., & Anjani, N. H. (2022). Menciptakan konsumen yang terinformasi: melacak program-program literasi keuangan di Indonesia. Center for Indonesian Policy Studies, 49, 01–52.
Susilawati, S., & Putri, D. Z. (2019). Analisis Pengaruh Transaksi Non Tunai Dan Suku Bunga Bi Terhadap Pertumbuhan Ekonomi Di Indonesia. Jurnal Kajian Ekonomi Dan Pembangunan, 1(2), 667.
Theodora, B. D., & Marti, S. (2016). The Effect of Family Economic Education towards Lifestyle Mediated By Financial Literacy. Dinamika Pendidikan Unnes, 11(1), 18–25.

Downloads

Published

2022-12-30

How to Cite

Sari, R. R., Ruscitasari, Z., & Suhada, S. (2022). Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Cashless Transaction Behavior. Valid: Jurnal Ilmiah, 20(1), 78–87. https://doi.org/10.53512/valid.v20i1.264

Issue

Section

Articles

Most read articles by the same author(s)