The Effect of the Use of Fintech and Lifestyle on the Consumptive Behavior of Economic MGMP Teachers During the Covid-19 Pandemic
DOI:
https://doi.org/10.18502/kss.v9i4.15096Abstract
The study intends to measure the effect of using fintech and lifestyle on consumptive behavior. This study uses a survey method design with a quantitative technique to conduct correlation research. 78 high-school economics teachers participated in this study, and the population and the number of samples were determined using purposive sampling. The data were obtained using a questionnaire given directly. The data analysis technique uses IBM Statistics version 25 software. The T-test shows that the usage of fintech partially has a positive and significant impact on consumer behavior. Partially, lifestyle has no significant effect on consumptive behavior. Simultaneous testing explains that the use of fintech and lifestyle has a significant influence on consumptive behavior as evidenced by the F-test. The R-Square value for the F-test results was 0.128.
Keywords: use of fintech, lifestyle, consumptive behavior
References
Amelia VHI. Faktor-Faktor Yang Mempengaruhi Penggunaan Fitur Spaylater Pada Aplikasi Shopee Dan Pengaruhnya Terhadap Perilaku Konsumtif. 2021;17.
Anggraini RT, Santhoso FH. Hubungan antara Gaya Hidup Hedonis dengan Perilaku Konsumtif pada Remaja [GamaJoP]. Gadjah Mada Journal of Psychology. 2019;3(3):131. DOI: https://doi.org/10.22146/gamajop.44104
Ashari R, Parji P, Sudarmiani S. Persepsi Guru Terhadap Model Pengelolaan Keuangan Dan Perilaku Konsumtif Dalam Melaksanakan Tugas Di Madrasah Aliyah Al Fatah Temboro. EQUILIBRIUM : Jurnal Ilmiah Ekonomi Dan Pembelajarannya. 2022;10(1):1. DOI: https://doi.org/10.25273/equilibrium.v10i1.11917
Aulia S. Pola Perilaku Konsumen Digital Dalam Memanfaatkan Aplikasi Dompet Digital. Jurnal Komunikasi. 2020;12(2):311. DOI: https://doi.org/10.24912/jk.v12i2.9829
Bearing G. ??? 1, ??? 2 1. ??????;2. ??????????. 2019;4(1):245–247.
Boonsiritomachai W, Pitchayadejanant K. Determinants affecting the mobile banking adoption by generation Y on the UTAUT model modified by TAM conceot. Kasetsart J Soc Sci. 2017;40:349–358.
Burhanuddin CI, Abdi MN. Tingkat Pemahaman dan Minat Masyarakat dalam Penggunaan Fintech. Owner. 2019;3(1):21. DOI: https://doi.org/10.33395/owner.v3i1.79
Creswell WJ, Creswell JD. Research design: Qualitative, quantitative adn mixed methods approaches. Journal of Chemical Information and Modeling. 2018;53(9).
Damayanti FD, Canggih C. pengaruh Penggunaan Pembayaran Shopeepay Later Terhadap Perilaku Konsumsi Islam Generasi Milenial Di Surabaya. Jurnal Ilmiah Ekonomi Islam. 2021;7(03):1880–1888.
Sari EC, Bambang Ismanto DIL. Diterima : 19 Juni 2019 Info Artikel Disetujui : 1 Oktober 2019 Dipublikasikan : 1 Oktober 2019.
Fikri A. Pengaruh Penggunaan Shopeepay Sebagai Dompet Digital Terhadap Perilaku Konsumtif Mahasiswa FEB USU. Jurnal KomunikA. 2021;17(2):1–11. DOI: https://doi.org/10.32734/komunika.v17i2.7556
Firmansyah F, Rozi C, Prajawati MI. Economic benefit, convenience dan risk benefit dalam mempengaruhi penggunaan Fintech yang berulang. Jurnal Ekonomi Modernisasi. 2021;17(2):113–124. DOI: https://doi.org/10.21067/jem.v17i2.5578
Fitri NA, Basri H. Pengaruh Gaya Hidup Terhadap Perilaku Konsumen Pada Generasi Milenial Di Era Pandemi Covid-19 Dengan Pengetahuan Ekonomi Sebagai Variabel Moderasi. Jurnal Ilmiah Ekonomi Dan Bisnis. 2021;9(2), 183– 192. https://jurnal.unived.ac.id/index.php/er/article/view/1329
Fu J, Mishra M. Fintech in the time of COVID-19: Technological adoption during crises. J Financ Intermed. 2022;50:100945. DOI: https://doi.org/10.1016/j.jfi.2021.100945
Gomber P, Koch JA, Siering M. Digital finance and fintech: Current research and future research directions. J Bus Econ. 2017;87(5):537–580. DOI: https://doi.org/10.1007/s11573-017-0852-x
Gunawan G, Asrifan A. Penerapan Kerja Kelompok Kegiatan MGMP Guru Ekonomi dalam Menyusun RPP untuk Meningkatkan Kompetensi Pedagogik. Celebes Education Review. 2020;2(1):31–36. DOI: https://doi.org/10.37541/cer.v2i1.318
Harli FC. Pengaruh Gaya Hidup Dan Literasi Keuangan Terhadap Perilaku Menabung. Journal. 2016;6(0292):50–76.
Haryono P. Hubungan gaya hidup dan konformitas dengan perilaku konsumtif pada remaja siswa Sekolah Menengah Atas Negeri 5. Psikoborneo. 2014;2(4):268– 273. http://e-journals.unmul.ac.id/index.php/psikoneo/article/view/3674/2390 DOI: https://doi.org/10.30872/psikoborneo.v2i4.3674
Ilman AH, Noviskandariani G, Nurjihadi M. The role of fintech on the economy of developing countries. Jurnal Ekonomi Dan Bisnis Indonesia. 2019;4(1): https://doi.org/10.37673/jebi.v4i1.260 DOI: https://doi.org/10.37673/jebi.v4i1.260
Insana DR, Johan RS. Analisis Pengaruh Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Universitas Indraprasta Pgri [ Journal of Applied Business and Economic]. JABE. 2021;7(2):209. DOI: https://doi.org/10.30998/jabe.v7i2.7822
Irawan D, Affan MW. Pengaruh Privasi dan Keamanan Terhadap Niat Menggunakan Payment Fintech. Jurnal Kajian Akuntansi. 2020;4(1):52. DOI: https://doi.org/10.33603/jka.v4i1.3322
Jain N, Raman TV. A partial least squares approach to digital finance adoption. J Financ Serv Mark. 2021;0123456789. https://doi.org/10.1057/s41264-021-00127-8 DOI: https://doi.org/10.1057/s41264-021-00127-8
Khairat M, Yusri NA, Yuliana S. Hubungan Gaya Hidup Hedonis Dengan Perilaku Konsumtif Pada Mahasiswi. Al-Qalb : Jurnal Psikologi Islam. 2019;9(2):130–139. DOI: https://doi.org/10.15548/alqalb.v9i2.861
Kurniasari I, Fisabilillah LW. Fenomena Perilaku Berbelanja Menggunakan Spaylater Serta Dampaknya Terhadap Gaya Hidup Mahasiswa Ilmu Ekonomi. INDEPENDENT : Journal Of Economics. 2021;1(3):207–218. DOI: https://doi.org/10.26740/independent.v1i3.43637
Kusumaningtyas I, Canda Sakti N. Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Siswa Kelas Xi Ips Di Sma Negeri 1 Taman Sidoarjo. Jurnal Pendidikan Ekonomi ( JUPE). 2017;5(3).
Lai KP, Samers M. Towards an economic geography of FinTech. Prog Hum Geogr. 2021;45(4):720–739. DOI: https://doi.org/10.1177/0309132520938461
Le MT. Examining factors that boost intention and loyalty to use Fintech post-COVID- 19 lockdown as a new normal behavior. Heliyon. 2021 Aug;7(8):e07821. DOI: https://doi.org/10.1016/j.heliyon.2021.e07821
Li K, Kim DJ, Lang KR, Kauffman RJ, Naldi M. How should we understand the digital economy in Asia? Critical assessment and research agenda. Electron Commerce Res Appl. 2020;44:101004. DOI: https://doi.org/10.1016/j.elerap.2020.101004
Lubowiecki-Vikuk A, Dabrowska A, Machnik A. Responsible consumer and lifestyle: sustainability insights. Sustain Prod Consum. 2021 Jan;25:91–101. DOI: https://doi.org/10.1016/j.spc.2020.08.007
Marginingsih R. Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Moneter - Jurnal Akuntansi Dan Keuangan. 2021;8(1):56– 64. https://doi.org/10.31294/moneter.v8i1.9903 DOI: https://doi.org/10.31294/moneter.v8i1.9903
Melina A, Wulandari S. Pengaruh Literasi Ekonomi dan Gaya Hidup terhadap Perilaku Konsumtif Mahasiswi Pendidikan Ekonomi STKIP YPM Bangko. Scientific Journals of Economic Education. 2018;2(1):143.
Munawar AH, Rosyadi A, Rahmani DA. Financial technology (fintech) dalam inklusi keuangan umkm kota Banjar di masa pandemi covid-19 Financial technolo. INOVASI : Jurnal Ekonomi, Keuangan dan Manajemen. 2022;18(1):39–49. ISSN : 0216-7786 (Print) 2528-1097 (Online). https://doi.org/https://doi.org/10.29264/jinv.v18i1.10454 DOI: https://doi.org/10.30872/jinv.v18i1.10454
Naution DA, Hasibuan RR, Prayoga R. Tingkat Perkembangan Fintech (Financial Technology), Pemahaman Fintech (Financial Technology) dan Minat Mahasiswa UIN Sumatera Utara. Jurnal Pendidikan Tambusai. 2021;5(3):9080–9090.
Nizar NI, Sholeh AN. Peran Ekonomi Digital Terhadap Ketahanan dan Pertumbuhan Ekonomi Selama Pandemi COVID-19. Jurnal Madani: Ilmu Pengetahuan, Teknologi. Dan Humaniora. 2021;4(1):87–99. DOI: https://doi.org/10.33753/madani.v4i1.163
Ozili PK. Impact of digital finance on financial inclusion and stability. Borsa Istanbul Review. 2018;18(4):329–340. DOI: https://doi.org/10.1016/j.bir.2017.12.003
Palinggi S, Allolinggi LR. Analisa Deskriptif Industri Fintech di Indonesia: Regulasi dan Keamanan Jaringan dalam Perspektif Teknologi Digital. Ekonomi Dan Bisnis. 2020;6(2):177–192. DOI: https://doi.org/10.35590/jeb.v6i2.1327
Persaulian B. Indonesia regulation of financial technology (Fintech) in Indonesia. 2021;10:167–178. DOI: https://doi.org/10.34304/jf.v10i2.55
Pulungan DR, Koto M, Syahfitri L. Pengaruh Gaya Hidup Hedonis Dan Kecerdasan Emosional Terhadap Perilaku Keuangan Mahasiswa [SENAR]. Seminar Nasional Royal. 2018;9986(September):401–406.
Puryasari R. PENGARUH LITERASI EKONOMI DAN GAYA HIDUP TERHADAP PERILAKU KONSUMTIF MAHASISWA PENDIDIKAN EKONOMI STKIP PGRI TULUNGAGUNG. UTILITY: Jurnal Ilmiah Pendidikan Dan Ekonomi. 2019;3(1):1–14. DOI: https://doi.org/10.30599/utility.v3i1.520
Putritama A. The mobile payment fintech continuance usage intention in Indonesia. J Econ. 2019;15(2):243–258. DOI: https://doi.org/10.21831/economia.v15i2.26403
Rahman M, Ismail I, Bahri S. Analysing consumer adoption of cashless payment in Malaysia. Digital Business. 2020;1(1):100004. DOI: https://doi.org/10.1016/j.digbus.2021.100004
Siswanti T. Jurnal Bisnis dan Akuntansi Unsurya Tutik Siswanti Prodi Akuntansi Fakultas Ekonomi Universitas Dirgantara Marsekal Suryadarma Jurnal Bisnis dan Akuntansi Unsurya. 2022;7(1):44–61.
Syaidah U, Suyadi B, Ani HM. Pengaruh Kompetensi Guru Terhadap Hasil Belajar Ekonomi Di Sma Negeri Rambipuji Tahun Ajaran 2017/2018. JURNAL PENDIDIKAN EKONOMI: Jurnal Ilmiah Ilmu Pendidikan. Ilmu Ekonomi Dan Ilmu Sosial. 2018;12(2):185. DOI: https://doi.org/10.19184/jpe.v12i2.8316
Wahyuni R, Irfani H, Syahrina IA, Mariana R. Pengaruh Gaya Hidup Dan Literasi Keuangan Terhadap Perilaku Konsumtif Berbelanja Online Pada Ibu Rumah Tangga Di Kecamatan Lubuk Begalung Kota Padang. Jurnal Benefita. 2019;4(3):548. DOI: https://doi.org/10.22216/jbe.v4i3.4194
Wulandari PA. ANALISIS SWOT PERKEMBANGAN FINANSIAL TEKNOLOGI DI INDONESIA | Proceeding of National Conference on Asbis. Proceeding of National Conference on Asbis. 2017;376–383. http://eprosiding. poliban.ac.id/index.php/asbis/article/view/194
Zahra DR, Anoraga P. The influence of lifestyle, financial literacy, and social demographics on consumptive behavior. Journal of Asian Finance. Economics and Business. 2021;8(2):1033–1041. DOI
