VIJ Digital library
Articles

The Effect Of Lifestyle, Conformity, and E-Money on Online Shopping Consumptive Behavior In Generation Z In The City Of Mataram

Annisa Fitrah
Mataram University, School of Economics and Business,
Taufiq Chaidir
Mataram University, School of Economics and Business,
Bio

Submission to VIJ 2024-05-27

Keywords

  • Consumptive behavior, lifestyle, conformity, e-money, generation Z.

Abstract

The purpose of this study was to determine the effect of lifestyle, conformity, and e-money on online shopping consumptive behavior in generation z in Mataram City. The type of research used is quantitative research. The population of this study is generation Z with the birth year 1997-2012 in Mataram City. The sample used in this study consisted of 120 people who were identified using purposive sampling technique. Data collection in this study used a questionnaire. The data in this study were analyzed using SEM-PLS analysis with the help of SmartPLS 4.0 software. Based on data analysis, the following results are obtained: (1) lifestyle has a positive and significant effect on online shopping consumptive behavior. (2) conformity has a positive and significant effect on online shopping consumptive behavior. Meanwhile, (3) E-Money has a positive but insignificant effect on the consumptive behavior of online shopping.

References

  1. Alfinna, F. C., Purwidianti, W., Handayani, E., & Endratno, H. (2023). Consumptive Behavior: Are Financial Literacy, Electronic Money, Lifestyle, and Self-Control Necessary? South Asian Journal of Social Studies and Economics, 20(4), 113–123. https://doi.org/10.9734/sajsse/2023/v20i4747
  2. Angelia, D., Rohmaddani, E. R., Fauzuna, F., Anggraini, P., Titis, T., & Fibrianto, A. S. (2022). Gaya Hidup Konsumtif Sebagai Dampak Adanya Online Shop Di Kalangan Mahasiswa Sosiologi Angkatan 2021. JURNAL PARADIGMA : Journal of Sociology Research and Education, 3(1), 175–180. https://doi.org/10.53682/jpjsre.v3i1.3080
  3. Arikunto. (2019). Teori Minat Konsumen. Https://Medium.Com/, 9–39. https://medium.com/@arifwicaksanaa/pengertian-use-case-a7e576e1b6bf
  4. Azizah, M., & Aryanti, S. (2023). Hubungan antara konformitas dan perilaku konsumtif trend fashion pada mahasiswa ekonomi di UKSW. Jurnal Mirai Management, 8(3), 235–254.
  5. Badawi, B., Nurudin, A., & Muafi, M. (2021). Consumer Conformity, Social Ties and EWOM in Digital Marketing. Ingenierie Des Systemes d’Information, 26(6), 569–576. https://doi.org/10.18280/isi.260607
  6. Bilal Abdillah Rasyid, M., & Fahrullah, A. (2022). Pengaruh Penggunaan Debit Card Dan E-Money Terhadap Perilaku Konsumtif. Jurnal Ilmu Manajemen Saburai (JIMS), 8(2), 111–122. https://doi.org/10.24967/jmb.v8i2.1708
  7. D’Alimonte, L., Morton, G., Loblaw, A., Chung, H., Law, N., Ciseski, T., DeAbreu, A., Mamedov, A., & Zhang, L. (2014). Does Prostate Biopsy after HDR Brachytherapy Have Any Clinical Significance? Journal of Medical Imaging and Radiation Sciences, 45(2), 176–177. https://doi.org/10.1016/j.jmir.2014.03.053
  8. Dewi, L. G. K., Herawati, N. T., & Adiputra, I. M. P. (2021). Penggunaan E-Money Terhadap Perilaku Konsumtif Mahasiswa Yang Dimediasi Kontrol Diri. EKUITAS (Jurnal Ekonomi Dan Keuangan), 5(1), 1–19. https://doi.org/10.24034/j25485024.y2021.v5.i1.4669
  9. Fadhilah, N. (2023). Pengaruh Penggunaan Aplikasi Belanja Online, Gaya Hidup dan Literasi Keuangan terhadap Perilaku Konsumtif Mahasiswa. Journal of Business & Applied Management, 16(2), 141. https://doi.org/10.30813/jbam.v16i2.4293
  10. Fauziah, N., & Nurhasanah, N. (2020). the Effect of the Perception of Electronic Money on Consumptive Behavior of Stei Sebi Students. Jurnal Ekonomi Dan Perbankan Syariah, 8(1), 63–84. https://doi.org/10.46899/jeps.v8i1.176
  11. Fitriyani, N., Widodo, P. B., & Fauziah, N. (2013). Hubungan antara konformitas dengan perilaku konsumtif pada mahasiswa di genuk indah semarang. Jurnal Psikologi Undip, 12, (1), 55–68. https://doi.org/https://doi.org/10.14710/jpu.12.1.1-14
  12. Fungky, T., Sari, T. P., & Sanjaya, V. F. (2021). Pengaruh Gaya Hidup Serta Literasi Keuangan Terhadap Perilaku Konsumtif Generasi Z pada Masa Pandemi (Studi Kasus Mahasiswa/I Manajemen Bisnis Syariah, Uin Raden Intan Lampung Angkatan 2019). Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen Dan Kewirausahaan, 1(1), 82–98.
  13. Giglio, F. (2021). Fintech : A Literature Review. XXIV(2), 600–627.
  14. Hayati, A., Yusuf, A. M., & Asnah, M. B. (2020). Contribution of Self Control and Peer Conformity to Consumptive Behavior. International Journal of Applied Counseling and Social Sciences, 1(2), 16–24. https://doi.org/10.24036/005344ijaccs
  15. Insana, D. R. M., & Johan, R. S. (2021a). Analisis Pengaruh Penggunaan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa Pendidikan Ekonomi Universitas Indraprasta Pgri. JABE (Journal of Applied Business and Economic), 7(2), 209. https://doi.org/10.30998/jabe.v7i2.7822
  16. Insana, D. R. M., & Johan, R. S. (2021b). Analisis Pengaruh Penggunan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa. Relasi : Jurnal Ekonomi, 17(2), 413–434. https://doi.org/10.31967/relasi.v17i2.494
  17. Ittaqullah, N., Madjid, R., & Suleman, N. R. (2020). The effects of mobile marketing, discount, and lifestyle on consumers’ impulse buying behavior in online marketplace. International Journal of Scientific and Technology Research, 9(3), 1569–1577.
  18. Khrishananto, R., & Adriansyah, M. A. (2021). Pengaruh Intensitas Penggunaan Media Sosial Instagram dan Konformitas Terhadap Perilaku Konsumtif di Kalangan Generasi Z. Psikoborneo: Jurnal Ilmiah Psikologi, 9(2), 323. https://doi.org/10.30872/psikoborneo.v9i2.5973
  19. Lorenza, R. Y., & Lestari, S. (2023). Kontrol Diri Dan Konformitas Sebagai Prediktor Perilaku Konsumtif Mahasiswa Yang Berbelanja Di E-Commerce. Psycho Idea, 21(1), 1. https://doi.org/10.30595/psychoidea.v21i1.15752
  20. Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Moneter - Jurnal Akuntansi Dan Keuangan, 8(1), 56–64. https://doi.org/10.31294/moneter.v8i1.9903
  21. Melina, A., & Wulandari, S. (2018). Pengaruh Literasi Ekonomi dan Gaya Hidup terhadap Perilaku Konsumtif Mahasiswi Pendidikan Ekonomi STKIP YPM Bangko. Scientific Journals of Economic Education, 2(1), 141–152.
  22. Mujahidin, A. (2020). Pengaruh Fintech e-wallet Terhadap Perilaku Konsumtif Pada Generasi Millennial. Inovbiz: Jurnal Inovasi Bisnis, 8(2), 143. https://doi.org/10.35314/inovbiz.v8i2.1513
  23. Oktarina, H., & Iskandar, A. A. (2023). Pengaruh Penggunaan E-Money Terhadap Perilaku Konsumtif. Jurnal Ilmiah Pena, 14(01), 75–78.
  24. Ou, C. C., Chen, K. L., Tseng, W. K., & Lin, Y. Y. (2022). A Study on the Influence of Conformity Behaviors, Perceived Risks, and Customer Engagement on Group Buying Intention: A Case Study of Community E-Commerce Platforms. Sustainability (Switzerland), 14(4). https://doi.org/10.3390/su14041941
  25. Parmini*, P., & Hernowo, B. (2023). Pengaruh Gaya Hidup, Uang Saku, dan Tren terhadap Perilaku Belanja Online Mahasiswa. JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah, 8(2), 634–639. https://doi.org/10.24815/jimps.v8i2.24753
  26. Perdana Oskar, D., Wenda Prinoya, R., Novita, W., & Johan, H. (2022). E-Commerce, Literasi Keuangan dan Gaya Hidup terhadap Perilaku Konsumtif Berbelanja Online melalui Platform TikTok. Jurnal Ekobistek, 11, 442–447. https://doi.org/10.35134/ekobistek.v11i4.434
  27. Pulungan, D. R., & Febriaty, H. (2018). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa. Jurnal Riset Sains Manajemen, 2(3), 1–8. https://doi.org/10.5281/zenodo.1410873
  28. Putri, R. E., Goso, G., Hamid, R. S., & Ukkas, I. (2022). Pengaruh Literasi Keuangan, Financial Technology dan Inklusi Keuangan terhadap Kinerja Keuangan Pengusaha Muda. Owner, 6(2), 1664–1676. https://doi.org/10.33395/owner.v6i2.790
  29. Richter, L. E., Carlos, A., & Beber, D. M. (n.d.). No 主観的健康感を中心とした在宅高齢者における 健康関連指標に関する共分散構造分析Title.
  30. Rini, D. P., & Sukanti. (2016). the Influence of Z Generation’S Character and Teacher’S Role During Learning Process. Jurnal, 5, 1–16.
  31. Risnawati, Mintarti, W., & Ardoyo. (2018). Pengaruh pendidikan ekonomi keluarga, gaya hidup, modernitas individu, dan literasi ekonomi terhadap perilaku konsumtif siswa. Jurnal Pendidikan, 3(4), 430–436.
  32. Saputra, M., Santosa, P. I., & Permanasari, A. E. (2023). Consumer Behaviour and Acceptance in Fintech Adoption: A Systematic Literature Review. Acta Informatica Pragensia, 12(2), 468–489. https://doi.org/10.18267/j.aip.222
  33. Sari, M. M., Nengsih, T. A., & Syahrizal, A. (2023). Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Konsumtif Mahasiswa Manajemen Keuangan Syariah Angkatan 2018-2019. Journal of Creative Student Research (JCSR), 1(2), 137–151.
  34. Shobri, H., Silalahi, P. R., & Tambunan, K. (2022). Pengaruh e-payment terhadap keputusan Konsumtif studi kasus Mahasiswa Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatra Utara Medan. Jurnal Ilmu Komputer, Ekonomi Dan Manajemen (JIKEM), 1(1), 129–138.
  35. Sholiha, E. U. N., & Salamah, M. (2015). Structural Equation Modeling-Partial Least Square for Modeling District/City Health Degrees in East Java. Jurnal Sains Dan Seni Its, 4(2), 169–174. http://id.portalgaruda.org/index.php?ref=browse&mod=viewarticle&article=415116
  36. Situngkir, R. (2018). Penggunaan E-Money Berdasarkan Undang-Undang Nomor 7 Tahun 2011 Tentang Mata Uang. DE LEGA LATA: Jurnal Ilmu Hukum, 3(1), 52–59. https://doi.org/10.30596/dll.v3i1.3150
  37. Sudiro, P. I., & Asandimitra, N. (2022). Pengaruh Financial Literacy, Uang Elektronik, Demografi, Gaya Hidup, Dan Kontrol Diri Terhadap Perilaku Konsumtif Generasi Milenial. Jurnal Ilmu Manajemen, 10(1), 160–172.
  38. Suminar, E. T. M. (2013). Konsep Diri, Konformitas dan Perilaku Konsumtif pada Remaja. Persona, Jurnal Psikologi Indonesia, 4(9), 145–152.
  39. Suntara, A. A., Widagdo, P. P., & Kamila, V. Z. (2023). Analisis Penerapan Model Unified Theory Of Acceptance And Use Of Technology (UTAUT) Terhadap Perilaku Pengguna Sistem Informasi Uang Kuliah Tunggal Universitas Mulawarman. Kreatif Teknologi Dan Sistem Informasi (KRETISI), 1(1), 1–8. https://doi.org/10.30872/kretisi.v1i1.275
  40. Tinggi, S., Ekonomi, I., Maju, M., Indonesia, C., & Indonesia, J. C. (2022). YUME : Journal of Management Pengaruh Kualitas Layanan terhadap Kepercayaan dimediasi Tingkat Kepuasan Konsumen pada PT . Japfa Comfeed Indonesia , TBK Cabang Makassar. 5(2), 385–405. https://doi.org/10.37531/yume.vxix.345
  41. Vera Intanie, D. (2006). Perkembangan Sistem Pembayaran Di Indonesia. Bina Ekonomi, 10(2), 60–77.
  42. Wahyuni, R., Irfani, H., & Syahrina, I. A. (2019). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Konsumtif Berbelanja Online Pada. Jurnal Benefita, 4(3), 548–559. https://core.ac.uk/download/pdf/296591597.pdf
  43. Wardhani, S. L., & Wibowo, B. S. (2018). Pengaruh Konformitas dan Konsep Diri (Prestige) terhadap Minat Beli Online Mahasiswa dengan Perilaku Konsumtif Mahasiswa sebagai Variabel Pemediasi. Jurnal Manajemen Dan Bisnis Indonesia, 5(3), 346–363. https://doi.org/10.31843/jmbi.v5i3.172
  44. Wu, W., & Huan, T. (2010). The effect of purchasing situation and conformity behavior on young students ’ impulse buying. African Journal of Business Management, 4(16), 3530–3540. http://www.scopus.com/inward/record.url?eid=2-s2.0-78650967718&partnerID=40&md5=98a79f729b394f0d8b1271956eecc17e
  45. Yahya, A. (2021). Determinan Perilaku Konsumtif Mahasiswa. Jurnal Pengembangan Wiraswasta, 23(1), 37. https://doi.org/10.33370/jpw.v23i1.506
  46. Yang, Y.-L., Hsueh, H.-W., Huang, M.-H., Cho, T.-Y., & Kishi, Y. (2017). Effect of Fintech on the Productivity in the Taiwan Banking Industry. International Journal of E-Education, e-Business, e-Management and e-Learning, 7(4), 255–263. https://doi.org/10.17706/ijeeee.2017.7.4.255-263
  47. Yuliantari, M. I., & Herdiyanto, Y. K. (2015). Hubungan Konformitas Dan Harga Diri Dengan Perilaku Konsumtif Pada Remaja Putri Di Kota Denpasar. Jurnal Psikologi Udayana, 2(1), 89–99. https://doi.org/10.24843/jpu.2015.v02.i01.p09