Pengaruh Penggunaan E-Wallet, Literasi Keuangan dan Kemudahan Bertransaksi Terhadap Perilaku Konsumtif Pelaku UMKM di Kabupaten Bondowoso
DOI:
https://doi.org/10.71154/g5bx3174Kata Kunci:
e-wallet, financial literacy, kemudahan bertransaksiAbstrak
Perkembangan dan kemajuan yang semakin pesat telah membawa perubahan signifikan dalam berbagai aspek kehidupan, termasuk dalam pola konsumsi masyarakat. Kemajuan teknologi dan digitalisasi yang terjadi di era industri 4.0 telah memberikan kemudahan bagi individu dalam mengakses berbagai produk dan layanan secara online. Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan e-wallet, financial literacy, dan kemudahan bertransaksi terhadap perilaku konsumtif pelaku UMKM di Kabupaten Bondowoso. Objek pada penelitian ini adalah pelaku UMKM di Kabupaten Bondowoso. Dalam penelitian ini menggunakan metode kuantitatif dan jumlah sampel yang digunakan sebanyak 100 responden. Teknik pengambilan sampel menggunakan metode propotional sampling dan purposive sampling. Dengan Teknik pengumpulan data menggunakan Kuesioner yang disebarkan kepada responden. Analis data yang digunakan dalam penelitian ini adalah uji instrument, uji asumsi klasik, uji analisis regresi linier berganda, uji hipotesis t (parsial), dan uji koefisien determinasi (R2 ) dengan bantuan program SPSS (Statistical Package for Social Science). Hasil penelitian menunjukkan bahwa penggunaan e-wallet dan kemudahan bertransaksi tidak berpengaruh signifikan terhadap perilaku konsumtif pelaku UMKM, sedangkan financial literacy berpengaruh signifikan terhadap perilaku konsumtif pelaku UMKM. Berdasarkan pada uji koefisien determinasi memberikan kontribusi yang diperoleh adalah sebesar 28%.
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