| Issue |
E3S Web Conf.
Volume 125, 2019
The 4th International Conference on Energy, Environment, Epidemiology and Information System (ICENIS 2019)
|
|
|---|---|---|
| Article Number | 03013 | |
| Number of page(s) | 4 | |
| Section | Environmental Technology | |
| DOI | https://doi.org/10.1051/e3sconf/201912503013 | |
| Published online | 28 October 2019 | |
Use of E-Money and Debit Cards in Student Consumption Behavior
1 Student at Department of Economics, Faculty of Economics and Business, Universitas Diponegoro, Indonesia
2 Department of Economics, Faculty of Economics and Business, Universitas Diponegoro, Indonesia
3 Department of Syariah Banking, Faculty of Sharia and Islamic Economics, IAIN Syekh Nurjati Cirebon, Indonesia
* Corresponding author: dewifatmasari73@gmail.com
IAIN Sharia Banking Student Sheikh Nurjati consumes high students, but in conducting transactions students are less in utilizing electronic money and debit card facilities in daily activities so that the problem is how the e-money and e-money are used. the use of debit cards against student consumption expenses. This system of payment transactions using electronic money and debit cards will affect a person's behavior in spending or consumption behavior. This study aims to investigate the use of e-money and debit cards in consumption expenditures and how it affects the consumption expenditure. This research applied a quantitative method by using a questionnaire as an instrument to collect the data. Further, the data were then analyzed by applying multiple linear regression models. As result, it was revealed that partially using e-money in students’ consumption behavior had a negative and an insignificant influence, while using debit cards had a positive and significant influence on students’ consumption behavior. Thus, based on the F test results, it is proved that using e-money and debit cards together have a significant impact on students’ consumption behavior.
Key words: electronic money (e-money) / debit cards / consumption behavior
© The Authors, published by EDP Sciences, 2019
This is an Open Access article distributed under the terms of the Creative Commons Attribution License 4.0, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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