MONEY ATTITUDE DAN PERILAKU BERHUTANG PADA PENGGUNA E-COMMERCE

Endika Perdana; Syahla Nur Akidah; Alia Rohani; Siska Sartika; Astie Darmayantie

doi:10.35760/eb.2024.v29i3.12573

MONEY ATTITUDE DAN PERILAKU BERHUTANG PADA PENGGUNA E-COMMERCE

Endika Perdana
Universitas Gunadarma
Indonesia

Syahla Nur Akidah
Universitas Gunadarma
Indonesia

Alia Rohani
Universitas Gunadarma
Indonesia

Siska Sartika
Universitas Gunadarma
Indonesia

Astie Darmayantie
Universitas Gunadarma
Indonesia

DOI: http://dx.doi.org/10.35760/eb.2024.v29i3.12573

Abstract

The enhancement of service quality by adding new features is considered one of the critical determinants of the growing use of e-commerce platforms today. The availability of various payment options, including installment facilities, not only facilitates transactions but also increases the potential for debt-related behavior. This phenomenon is intriguing and essential to investigate, as poorly managed debt behavior can negatively affect an individual's financial condition and stability. This study aims to analyze the influence of money attitudes on debt behavior among e-commerce users. The research involved 169 respondents aged 17 and older who had used installment payment methods more than twice in the past month. Data were collected using the money attitude and debt behavior scales and analyzed using IBM SPSS Statistics version 25. The results indicate that money attitude significantly influences debt behavior, contributing 28%. Additionally, debt behavior was more prevalent among women and Generation Z. This research provides valuable insights for designing financial education strategies and more prudent payment policies within e-commerce, particularly for groups more vulnerable to excessive debt.

Keywords

e-commerce; perilaku berhutang; pengguna e-commerce

References

Ahdiat, A. (2024). 5 E-commerce dengan Pengunjung Terbanyak Sepanjang 2023. Diakses pada tanggal 30 Juli 2024, dari https://databoks.katadata.co.id/datapublish/2024/01/10/5-e-commerce-dengan-pengunjung-terbanyak-sepanjang-2023

Allen, F., Demirgüç-Kunt, A., Klapper, L., & Martinez Peria, M. S. (2016). The foundations of financial inclusion: Understanding ownership and use of formal accounts. Journal of Financial Intermediation, 27, 1-30. https://doi.org/10.1016/j.jfi.2015.12.003

Azwar, S. (2017). Reliabilitas dan validitas. Yogyakarta: Pustaka Pelajar.

Azwar, S. (2021). Penyusunan skala psikologi. Yogyakarta: Pustaka Pelajar.

Collins H. (1994). Dictionary of Economics. Glasgow: Harper Collins Publisher.

Firman. (2021). Pakar Ilmu Konsumen dan Ekonomi Keluarga IPB University Bagikan Tips Menghentikan Kebiasaan Berhutang. Diakses pada tanggal 31 Juli 2024, dari https://dikti.kemdikbud.go.id/kabar-dikti/pakar-ilmu-konsumen-dan-ekonomi-keluarga-ipb-university-bagikan-tips-menghentikan-kebiasaan-berhutang/

French, D., & McKillop, D. (2017). Financial literacy and over-indebtedness in low-income households. International Review of Financial Analysis, 48, 1-11. https://doi.org/10.1016/j.irfa.2016.09.011

Hidayati, A., Carmenita, C., & Puspitasari, P. M. (2023). Fitur Pay Later: Kebiasaan Berhutang Dan Keimplusifan Berbelanja. Jurnal Sosial-Politika, 4(2), 95-105.

Hoeve, M., Stams, G. J. J., van der Zouwen, M., Vergeer, M., Jurrius, K., & Asscher, J. J. (2014). A systematic review of financial debt in adolescents and young adults: Prevalence, correlates and associations with crime. PloS one, 9(8), e104909.

Katona, G. (1951). Psychological Analysis of Economic Behaviour (1st ed.). USA: Mc-Graw-Hill company.

Klee, E. (2006). Families' use of payment instruments during a decade of change in the U.S. payment system. Finance and Economics Discussion Series. Federal Reserve Board. https://doi.org/10.17016/FEDS.2006.01

Latipah, E. (2014). Metode penelitian psikologi. Yogyakarta: Deepublish

Laudon, K. C. & Traver, C. G. (2023). E-commerce 2023: Business, Technology, Society. 17 ed. Hoboken: Pearson.

Le, T. T. N., Tan, L. T. T., & Nguyen, P. T. H. (2020). Debt and financial stress among Vietnamese households: The role of financial literacy. Asian Economic and Financial Review, 10(4), 421-437. https://doi.org/10.18488/journal.aefr.2020.104.421.437

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5-44. https://doi.org/10.1257/jel.52.1.5

Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics & Finance, 14(4), 332-368. https://doi.org/10.1017/S1474747215000232

Muhamad, N. (2024). E-Wallet, Metode Pembayaran Utama Konsumen Belanja Online. Diakses pada tanggal 30 Juli 2024, dari https://databoks.katadata.co.id/datapublish/2024/06/27/e-wallet-metode-pembayaran-utama-konsumen-belanja-online

Nayoan, Aldwin. (2019). Apa itu Ecommerce? Kenali Semua Jenis dan Manfaatnya. Jakarta: Niaga hoster. Diakses pada 1 Agustus 2024, dari https://www.niagahoster.co.id/blog/apa-itu-ecommerce/

OJK. (2024). BELANJA HARBOLNAS? CARI TAHU METODE PEMBAYARAN DI E-COMMERCE. Diakses pada 30 Juli 2024, dari https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/40831

Priyono. (2016). Metode Penelitian Kuantitatif. Sidoarjo: Zifatama Publishing.

Rita, M., & Kusumawati, A. (2011). Analisis perbedaan perilaku berbelanja impulsif ditinjau dari jenis kelamin dan usia. Jurnal Psikologi Universitas Diponegoro, 9(2), 61-71. https://doi.org/10.14710/jpu.9.2.61-71

Robson, J., & Farquhar, J. D. (2021). Recovering the corporate brand: Lessons from an industry crisis. European Journal of Marketing, 55(7), 1954–1978. Doi: https://doi.org/10.1108/EJM-09-2019-0698

Rosadi, D. (2021). Riset Sirclo & KIC: 74,5 % Konsumen Lebih Banyak Berbelanja Online. Diakses pada 30 Juli 2024, dari https://katadata.co.id/digital/teknologi/617251e47c94c/riset-sirclo-kic-74-5-konsumen-lebih-banyak-berbelanja-online.

Seay, M. C., Pappalardo, J. K., & Cude, B. J. (2015). The effects of employment status on financial behavior. Journal of Family and Economic Issues, 36(1), 41-54. https://doi.org/10.1007/s10834-014-9423-5

Sugiharto. (2022). Memanfaatkan E-commerce Dengan Benar. Diakses pada 1 Agustus 2024, dari https://www.djkn.kemenkeu.go.id/artikel/baca/15814/Memanfaatkan-E-commerce-Dengan-Benar.html

Udiarti, L., Hamiyati, H., & Zulfa, V. (2022). Analisis Kontrol Diri Terhadap Perilaku Berutang Pada Ibu Rumah Tangga. JKKP (Jurnal Kesejahteraan Keluarga dan Pendidikan), 9(01), 55-67.

Wibowo, K., P. (2016). Hubungan compulsive buying dengan perilaku berhutang (Dissaving). Skripsi. Fakultas Psikologi Universitas Muhammadiyah Malang.