Article Sidebar

Download
PDF
Statistic
Read Counter : 16 Download : 12

Downloads

Download data is not yet available.

Main Article Content

Abstract

This study aims to determine the effect of social environment, financial education, and e-commerce supporting features on m-banking on impulsive buying behavior. This quantitative research uses a population of students from the Faculty of Islamic Economics and Business at UIN Sumatera Utara, employing multiple linear regression analysis with SPSS v.26.  The sampling method used was purposive sampling technique using the slovin formula. The results of this study can highlight the importance of more integrated and practical financial education programs in universities. If it is proven that lack of financial literacy increases impulse buying behavior, educational institutions can develop curricula that focus more on money management and the impact of impulse spending. If m-banking features are proven to contribute to impulse buying behavior, then app developers can introduce features that encourage users to be more conscious about their spending. If peer influence is shown to have a significant impact on impulse buying behavior, then there needs to be a social intervention that educates students about social influences on their spending. Thus, collaboration between universities and m-banking service providers can strengthen financial education and impulse spending control efforts.

Keywords

E-Commerce Supporting Features Financial Education Impulsive Buying Social Environment

Article Details

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite
Fadhilah, G., Syafina, L., & Anggraini, T. (2024). Impact of Social Environment, Financial Education, and M-Banking Features on Impulsive Buying Behavior Among Indonesian University Students. Ilomata International Journal of Management, 5(4), 1210-1227. https://doi.org/10.61194/ijjm.v5i4.1321

References

  1. Achmad. (2018). Pengaruh Pengguna E-commerce terhadap Transaksi Online Menggunakan Konfirmasi faktor Analisis. Faktor Exacta, 11(1), 7. https://doi.org/10.30998/faktorexacta.v11i1.2306
  2. Adiputra, I. M. S., Trisnadewi, N. W., Oktaviani, N. P. W., Munthe, S. A., & Hulu, V. T. (2021). Metodologi Penelitian Kesehatan.
  3. Ahmadi. (2020). PENGARUH E-COMMERCE, PROMOSI PENJUALAN, DAN GAYA HIDUP TERHADAP PERILAKU PEMBELIAN IMPULSIF.
  4. Andriany, D., & Arda, M. (2019). Pengaruh Media Sosial Terhadap Impulse Buying Pada Generasi Millenial. Prosiding FRIMA (Festival Riset Ilmiah Manajemen dan Akuntansi), 2, 428–433. https://doi.org/10.55916/frima.v0i2.65
  5. Ariyani, D. (2018). Pendidikan Literasi Keuangan pada Anak Usia Dini di TK Khalifah Purwokerto. Yinyang: Jurnal Studi Islam Gender dan Anak, 13(2), 175–190. https://doi.org/10.24090/yinyang.v13i2.2100
  6. Asmuni, H. (2019). Peran Lingkungan Sosial Terhadap Kontrol Diri Kaum Milenial. Al-Fikrah, 2(2), 119–134.
  7. Atkinson, A., & Messy, F. A. (2012). Measuring Financial Literacy: Results of the OECD. OECD Working Papers on Finance, Insurance and Private Pensions, 44(2), 296–316.
  8. Azrin, U., Ziad, I., & Suroso. (2022). Rancang Bangun Smart Box Penerima Paket Berbasis IoT Menggunakan Raspberry Pi. Emitor: Jurnal Teknik Elektro, 22(2), 118–125. https://doi.org/10.23917/emitor.v22i2.19405
  9. Devy Kusuma Dian Andani, Fadillah Sauma Ramadani, & Muhammad Davin Dwi Prastiyo. (2023). Pengaruh Revolusi Industri 4.0 Terhadap Konsumerisme Warga Lokal Desa Sumbersari, Kecamatan Sumbersari, Kabupaten Jember. Jurnal Insan Pendidikan dan Sosial Humaniora, 1(2), 288–300. https://doi.org/10.59581/jipsoshum-widyakarya.v1i2.420
  10. Dian Anggraini Wikamorys, T. N. R. (2017). APLIKASI THEORY OF PLANNED BEHAVIOR DALAM MEMBANGKITKAN NIAT PASIEN UNTUK MELAKUKAN OPERASI KATARAK. 5, 2–4.
  11. Gaille, B. (2017). 19 Dramatic Impulsive Buying Statistics. https://brandongaille.com/18-dramatic-impulse-buying-statistics/
  12. Hermanto, E. Y. (2016). Pengaruh Fashion Involvement Terhadap Impulse Buying Behaviour Masyarakat Surabaya Dengan Hedonic Shopping Motivation Dan Positive Emotion Sebagai Variabel Intervening Pada Merek Zara. Jurnal Manajemen Pemasaran, 10(1), 11–19. https://doi.org/10.9744/pemasaran.10.1.11-19
  13. Kurniawan, T., Farizhi, M. R., & Setiawan, A. (2023). The impact of financial literacy, quality of life, socioeconomic status on the consumption behavior of pre service teacher students. Soedirman Economics Education Journal, 05(Volume 5 No.1), 1–16. https://doi.org/10.32424/seej.v5i1.8317
  14. Kusmaharani, A. S., & Halim, R. E. (2020). Social Influence and Online Impulse Buying of Indonesian Indie Cosmetic Products. Mix: Jurnal Ilmiah Manajemen, 10(2), 237. https://doi.org/10.22441/mix.2020.v10i2.007
  15. Lusardi, A. (2008). The Role of Financial Literacy, Information, and Financial Education Programs. Household Saving Behavior:, 13824(NATIONAL BUREAU OF ECONOMIC RESEARCH), 41.
  16. Madichie, N. 0. (2009). Consumer Behavior: Buying, Having, and Being (8th ed.). Management Decision, 47(5), 845–848. https://doi.org/10.1108/00251740910960169
  17. Mertaningrum, N. L. P. E., Giantari, I. G. A. K., Ekawati, N. W., & Setiawan, P. Y. (2023). Perilaku belanja impulsif secara online. Jurnal Ilmu Sosial dan Humaniora, 12(3), 605–616. https://doi.org/10.23887/jish.v12i3.70463
  18. Mukaromah, M., Zulva, T. N. I., Malida, O. N., & Oktafia, Y. (2021). “Analisis psikopatologi kecenderungan impulsive buying pada salah satu mahasiswa Universitas Negeri Semarang (psychopathological analysis of the tendency of impulsive buying to one of Universitas Negeri Semarang students).” Jurnal Anak Usia Dini Holistik Integratif (AUDHI), 3(1), 31.
  19. Mulia, C. A., & K, A. G. A. A. (2020). Fashion Involvement Mempengaruhi Emosi Positif Dan Hedonisme Terhadap Impulsive Buying Di Gerai Zara Bali. E-Jurnal Manajemen Universitas Udayana, 9(10), 3443. https://doi.org/10.24843/ejmunud.2020.v09.i10.p02
  20. Ningtyas, M. N., & Vania, A. (2022). Materialism, Financial Literacy, and Online Impulsive Buying: A Study on the Post Millennial Generation in a Pandemic Period.
  21. Noneng, Supatminingsih, T., Inanna, Hasan, M., & Dinar, M. (2020). Pengaruh Literasi Ekonomi dan Lingkungan Sosial terhadap Perilaku Pembelian Impulsif Melalui Online Shop pada Peserta Didik Kelas X Jurusan IPS di SMA Negeri 8 Makassar. Intelektiva: Jurnal Ekonomi, Sosial, & Humaniora, 2(2), 94–104. https://www.jurnalintelektiva.com/index.php/jurnal/article/view/294%0Ahttps://www.jurnalintelektiva.com/index.php/jurnal/article/download/294/205
  22. Nuryadi, Astuti, T. D., Utami, E. S., & Budiantara, M. (2017). Buku Ajar Dasar-dasar Statistik Penelitian. In Sibuku Media.
  23. Pangestu, S., & Karnadi, E. B. (2020). The effects of financial literacy and materialism on the savings decision of generation Z Indonesians. Cogent Business and Management, 7(1). https://doi.org/10.1080/23311975.2020.1743618
  24. Pratiwi, E., & Krishernawan, I. (2020). Mengelola Customer Impulsive Buying Pada Bisnis Retail Fashion Modern. damar Wiyata Press.
  25. Pratiwi, J., & Julianty, Y. S. (2023). Analisis Efek Financial Education dan Self-Management terhadap Perilaku Impulsive Buying Mahasiswa (Studi Kasus Mahasiswa Perbankan Syariah di Universitas Islam Negeri Sumatera Utara). 4, 283–292. http://jurnaledukasia.org
  26. Pujiastuti, N., Reza, & Astuti, R. F. (2022). Pengaruh literasi ekonomi dan lingkungan sosial terhadap perilaku pembelian impulsif pada mahasiswa. Jurnal Riset Pendidikan …. https://ejournal.unikama.ac.id/index.php/jrpe/article/view/6710
  27. Rabbani, A. A., Tubastuvi, N., Rahmawati, I. Y., & Widyaningtyas, D. (2024). JIMEA | Jurnal Ilmiah MEA ( Manajemen , Ekonomi , dan Akuntansi ) PENGARUH LITERASI KEUANGAN , STATUS SOSIAL EKONOMI , LINGKUNGAN SOSIAL , LOCUS OF CONTROL DAN GAYA HIDUP TERHADAP PENGELOLAAN KEUANGAN JIMEA | Jurnal Ilmiah MEA ( Manajemen , Ekonomi , dan. Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi), 8(1), 456–475.
  28. Replita. (2016). Pengaruh Lingkungan Sosial Dan Keadaan Ekonomi Keluarga Terhadap Kesehatan Mental Remaja Di Kelurahan Aek Tampang. TAZKIR: Jurnal Penelitian Ilmu-ilmu Sosial dan Keislaman, 2(2), 1. https://doi.org/10.24952/tazkir.v2i2.507
  29. RESWARI, A. D., SUDARTO, S., & WIDYASTUTI, E. (2018). The Influence Of Financial Literacy Towards Financial Behavior. Journal of Research in Management, 1(2), 11–17. https://doi.org/10.32424/jorim.v1i2.28
  30. Safitri, M., & Sari, R. C. (2021). the Effect of Financial Knowledge and the Use of E-Money Toward Financial Behavior of Undergraduate Students Faculty of Economics Yogyakarta State University Penggunaan E-Money Terhadap Perilaku Keuangan Mahasiswa S1 Fakultas Ekonomi Universitas Negeri Yo.
  31. Sari, R. K., Utama, S. P., & Zairina, A. (2021). The Effect of Online Shopping and E-Wallet on Consumer Impulse Buying. Asia Pacific Management and Business Application, 009(03), 231–242. https://doi.org/10.21776/ub.apmba.2021.009.03.3
  32. Sopanah, A., Zulkifli, Bahri, S., Hermawati, A., & Candra, D. (2021). Isu Konteporer Ekonomi & Bisnis.
  33. Subawa, N. S., & Widhiasthini, N. W. (2018). Transformasi Perilaku Konsumen Era Revolusi Industri 4.0. Jurnal Universitas Tarumanegara, 131–139. https://cdn.undiknas.ac.id/repository/REPO-15909293008314158.pdf
  34. Sugiyono. (2017). Metode penelitian kuantitatif, Kualitatif dan R&D. Alfabeta.
  35. Sugiyono. (2019). Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif, dan R&D. Alfabeta.
  36. Suryani, D., & Armiati. (2022). Pengaruh Lingkungan Sosial dan Potensi Diri Terhadap Minat Melanjutkan Studi Ke Perguruan Tinggi Pada Siswa Kelas XII SMA Pembangunan Laboratorium UNP. Jurnal Salingka Nagari, 1(2), 256–267.
  37. Suwardana, H. (2018). Revolusi Industri 4. 0 Berbasis Revolusi Mental. JATI UNIK : Jurnal Ilmiah Teknik dan Manajemen Industri, 1(2), 109–118. https://doi.org/10.30737/jatiunik.v1i2.117
  38. Tinarbuko, S. (2006). Pola Hidup Konsumtif Masyarakat Yogya. Erlangga.
  39. Ulhaq, A. A. (2022). PENGARUH FITUR-FITUR PENDUKUNG E-COMMERCE PADA MOBILE BANKING TERHADAP PERILAKU PEMBELIAN IMPULSIF (Studi Pada Mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh).
  40. Wiranti, Y., Goso, G., & Halim, M. (2023). the Influence of Financial Literacy, Lifestyle, and Social Environment on Student Financial Behavior. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, 6(4), 898–909. https://doi.org/10.37481/sjr.v6i4.751