Hubungan Perilaku Konsumtif dan Minat Mahasiswa Menggunakan Jasa Pinjaman Online
Abstract views: 3686
,
PDF (Bahasa Indonesia) downloads: 4517
Abstract
In the current digital era, the presence of financial technology (fintech) has changed people's lives, including students. The existence of fintech that has been regulated in such a way allows students to easily access it. The perceived convenience is actually the cause of the emergence of consumptive behavior. Therefore, this study was conducted with the aim of finding out whether there is a relationship between consumptive behavior and student interest in using online loan services. The researcher targets that there will be 100 students selected to be respondents. The results of the study provide evidence that there is indeed a relationship between consumptive behavior and student interest in using online loan services.
Downloads
References
Abu, A. (2007). Social Psychology. Rineka Cipta: Jakarta.
Al Hakim, Y.R., M. Hariani, D. Darmawan, R. Mardikaningsih, & Moch. Irfan. (2014). Pembelajaran Mahasiswa Melalui Media Jejaring Sosial, Jurnal Ilmiah Manajemen Pendidikan Indonesia, 1(2), 109-124.
Azizah, N., Saraswati, M. Hariani, R. Mardikaningsih, & T. Wijayanti. (2015). Keterlibatan Pemasaran Online Untuk Meningkatkan Minat Mendaftar Mahasiswa di Perguruan Tinggi, Jurnal Ilmiah Manajemen Pendidikan Indonesia, 1(4), 257-270.
Belk, R. W. (1985). Materialism: trait aspects of living in the material world. Journal Consumer, 12, 265–280.
Blackwell, R ., P. Miniard, & J. Engel. (2001). Consumer Behavior. Ohio: South- Western.
Bøe, T., M. Hysing, K.J. Lønning, & B. Sivertsen. (2012). Financial Difficulties and Student Health: results from a National Cross-Sectional Survey of Norwegian college and university students. Mental Health Prevent, 21, 200196.
Chen, R., F. D. Delli, O. R. Isma, D. Darmawan & F. Delinger. (2015). Consequences of Word of Mouth from the Perspective of WOM Senders, Journal of Marketing Management, 31(9), 1018-1039.
D’Astous, A. (1990). An Inquiry Into the Compulsive Side of “Normal” Consumers. Journal of Consumer Policy, 13(1), 15─31.
Darmawan, D. & M. Hariani. (2020). Pengantar Kewirausahaan, Metromedia, Surabaya.
Darmawan, D. (2002). Model perilaku konsumen individu, Jurnal Ekonomi-Manajemen, 2(1), 1-10.
Darmawan, D. (2013). Pengaruh Konsep Diri dan Kecerdasan Adversitas terhadap Motivasi Berprestasi dan Intensi Berwirausaha, Metromedia, Surabaya.
Darmawan, D. (2016). Pengaruh Pembelajaran dan Kendali Diri terhadap Perilaku Pembelian Impulsif (Studi pada Mahasiswa Peserta Matakuliah Pengantar Ilmu Ekonomi), Metromedia, Surabaya.
Darmawan, D. (2017). Pengaruh Motivasi Maslow terhadap Intensi Berwirausaha, Prosiding, International Conference on Ethnicity and Globalization, Univ. Trunojoyo Madura, 3 - 4 Oktober 2017, 100 - 112. Darmawan, D. 2019. Ekonomi, PT Revka Prima Media, Surabaya.
Darmawan, D. (2017). The Effects of The Big Five Personality on Job Performance, Management & Accounting Research Journal, 2(1), 36-42.
Darmawan, D. (2019). Pengaruh Pendidikan Kewirausahaan dan Efikasi Diri terhadap Intensi Berwirausaha. Jurnal Ekonomi, Keuangan, Investasi dan Syariah, 1(1), 16-21.
Darmawan, D. (2020). Profesionalisme, Motivasi Berprestasi, Komitmen Organisasi dan Pengaruhnya terhadap Intensi Berwirausaha. Jurnal Ekonomi dan Keuangan, 3(3), 344-364.
Davitri, E., E. A. Sinambela, & E. T. Aprilianti. (2015). Pendekatan Progresif Untuk Meningkatkan Kemampuan Mahasiswa Dalam Penulisan Artikel Ilmiah, Jurnal Ilmiah Manajemen Pendidikan Indonesia, 2(2), 127-142.
Del- Rio, A, & G. Young. (2005). The Determinants of Unsecured Borrowing: Evidence from British household panel survey “working papers bank of England. Quarterly Bulletin, 45(2).
Dittmar, H., J. Beattie, & S. Friese, S. (1995). Gender Identity and Material Symbols: Objects and decision considerations in impulse purchases. Journal of Economic Psychology, 16(3), 491-511.
Djaelani, M. & Sudjai. (2015). Peran Kemampuan Dosen dan Metode Pembelajaran Terhadap Kualitas Layanan Kepada Mahasiswa, Jurnal Ilmiah Manajemen Pendidikan Indonesia, 2(2), 111-126.
Djati, S. Pantja & D. Darmawan. (2004). Pengaruh Kesan Kualitas Layanan, Harga dan Kepuasan mahasiswa PTS terhadap Minat Mereferensi Kampusnya, Jurnal Widya Manajemen dan Akuntansi, 4(2), 190-204.
Elliott, M. A., C.J. Armitage, & C.J. Baughan. (2003). Drivers’ Compliances With Speed Limits: an application of the theory of planned behavior. Journal Application Psychology, 88, 964–972. Darmawan, D. 2008. Psikologi Konsumen, Addar Press, Jakarta.
Ferrinadewi, E. & D. Darmawan. (2004). Perilaku Konsumen: Analisis Model Keputusan, Universitas Atma Jaya, Yogyakarta.
Firlaily, S. (2005). Psikologi Pembelajaran dan Pengajaran. Spektrum Nusa Press, Jakarta.
Fromm, E. (1995). Perilaku Konsumen. Erlangga: Jakarta.
Golsmith, R. E., L.R. Flynn, & R.A. Clark. (2012). Matrealistic, Brand Engaged and Status Consuming Consumers and Clothing Behaviors. Journal of Fashion Marketing and Management. 6(1), 102-119.
Gunawan, A., M. Hariani, & T. Baskoro. (2016). Upaya Strategik Mengenalkan Jiwa Kewirausahaan Untuk Siswa Sekolah Dasar, Jurnal Ilmiah Manajemen Pendidikan Indonesia, 2(3), 167-180.
Gunawan, Aditya., Setya Arum, R. Mahyanaila, Hikmatul Khasanah. (2019). Perilaku Konsumen dan Pemasaran Strategik, Spektrum Nusa Press, Jakarta.
Hansen, J.M., G. Saridakis, & V. Benson. (2018). Risk, Trust, and The Interaction of Perceived Ease of Use and Behavioral Control in Predicting Consumers’ Use of Social Media for Transactions. Computers Human Behavior. 80, 197–206.
Hariani, M., K. Juniasih & N. Cahyani. (2012). Media Pembelajaran dan Pengaruhnya terhadap Prestasi Belajar Mahasiswa, Jurnal Ilmiah Merdeka Ekonomi, 1(2), 131-140.
Hutomo, S. & D. Darmawan. (2011). Optimalisasi Manajemen Sumber Daya Manusia Menuju Keunggulan Bersaing, Jurnal Ilmu Sosial, 5(1), 13-22.
Ju, U., J. Kang, & C. Wallraven, C. (2019). To Brake or Not to Brake? Personality Traits Predict Decision-Making in an Accident Situation. Front. Psychol, 10, 134.
Kabalmay, S.S. & E. T. Aprilianti. (2016). Kenakalan Peserta Didik di Sekolah dan Upaya Penanggulangan, Jurnal Ilmiah Manajemen Pendidikan Indonesia, 2(4), 255-268.
Kassarjian, H.H. (1981). Perspectives in Consumer Behavior. Glenview, IL: Scott Foresman.
Khasanah, H. & M. Hariani. (2015). Peran Efikasi Diri dan Lingkungan Belajar terhadap Hasil Belajar Mahasiswa, Jurnal Ilmiah Manajemen Pendidikan Indonesia, 2(2), 97-110.
Lestari, U.P. & H. A. Juanita. (2015). Tingkat Kepercayaan Konsumen dan Pemanfaatan E-Marketing Terhadap Keputusan Pembelian Konsumen Produk E-Ticket Pesawat di Octopus Travel Surabaya, Jurnal Ekonomi dan Bisnis, 5(1), 1-12.
Mardikaningsih, R. & D. Darmawan. (2013). Metode Penelitian Kuantitatif, IntiPresindo Pustaka, Bandung.
Mardikaningsih, R. (2014). Metode Pembelajaran dan Variasi Penerapannya, Jurnal Ilmiah Manajemen Pendidikan Indonesia, 1(1), 43-54.
Mardikaningsih, R., A. Gunawan, D. Darmawan & A. Karina. (2015). Manajemen, Teknologi, dan Bisnis, Addar Press, Jakarta. Mardikaningsih, R. 2018. Teori Keputusan, Metromedia, Surabaya.
Miller, L. (2019). The Level of Decision-Making, Perceived Influence, and Perceived Satisfaction of Faculty and Their Impact on Student Retention in Community Colleges. Communication College Journal Resources Practice. 43, 515–529
Padma, A., N. Aisyah, D. Darmawan, I.A. Azmi & A. R. Putra. (2018). Contingency Approach to Strategies for Service Firms, Business Research, 7(2), 178-189.
Peter, J.P & J.C. Olson. (2008). Consumer Behavior and Marketing Strategy. McGraw-Hill, New York.
Purwanti, S., T. Palambeta, D. Darmawan, & S. Arifin. (2014). Hubungan Metode Pembelajaran dan Motivasi Belajar Siswa, Jurnal Ilmu Pendidikan, 8(1), 37-46.
Ramadani, Laila. (2016). Effects of Use of Debit Cards and Electronic Money (EMoney) on Student Consumption Expenditures. JESP, 8 (1).
Roa Garcia, J.M. (2011). Financial Education and Behavioral Finance: New Insights into The Role of Information in Financial Decisions. Journal of Economic Surveys (2011), 27(2), 2970-315. Darmawan, D. 2014. Perilaku Konsumen, Metromedia, Surabaya.
Sazali, H., & F. Rozi, F. (2020). Belanja Online dan Jebakan Budaya Hidup Digital pada Masyarakat Milenial. Jurnal Simbolika: Research and Learning in Communication Study.
Schiffman. L. & L.L. Kanuk. (2010). Perilaku Konsumen. PT INDEKS: Jakarta.
Scully, K., & M. Moital. (2016). Peer Influence Strategis in Collectively Consumed Products. Young Consumer, 17(1), 46-63.
Seligman, A. (1997). The Problem of Trust, Princeton, NewJersey: Princeton university press.ives in Consumer Behavior. Glenview, IL: Scott Foresman.
Sihombing, N., N. Suryanto, M. Mahameru, M. Setiawan, S.S. Marsella, & M.E. Li. (2019). Dampak Penggunaan Pinjaman Online Terhadap Gaya Hidup Konsumtif Mahasiswa Yogyakarta, 3, 500-507.
Sinambela, E.A., R. Mardikaningsih & D. Darmawan. (2014). Inovasi Pendidikan dan Profesionalisme Guru, IntiPresindo Pustaka, Bandung.
Sutarjo, M., D. Darmawan & Yuni Indah Sari. (2007). Evaluasi Pendidikan. Spektrum Nusa Press, Jakarta. Darmawan, D. 2012. Manajemen Informasi. Metromedia, Surabaya.
Themba, G, & C.B. Tumedi. (2012). Credit Card Ownership and Usage Behaviour in Botswana. International Journal of Business Administration, 3(6), 60–71.
Ujianto & D. Darmawan. (2003). Rasionalitas Mahasiswa dalam Memilih Partai Politik: Studi terhadap Faktor yang Dipertimbangkan Mahasiswa Kota Surabaya dalam Memilih Partai Politik, Jurnal Ilmu-Ilmu Sosial dan Humaniora, 7(1), 43-54.
Wahab, E., A. Aziz, D. Darmawan, M. Hashim & Y. Fan. (2017). Marketing New Products to Mainstream Customers, Journal of Economics and Business, 8(2), 239-246.
Wang, P. Z. (2015). Exploring the Critical Factors Influencing Online Lending Intentions. Financial Innovation, 1(8).
Wood, M. (1998). Socio-Economic Status, Delay of Gratification, and Impulse Buying. Journal of Economic Psychology, 19(3), 295–320.
Xu, L. & B. Zia. (2012). Financial Literacy around the World: An Overview of the Evidence with Practical Suggestions for the Way Forward. Policy Research Working Paper 6107, The World Bank Development Research Group, Finance and Private Sector Development Team.
Yang, Q., C. Pang, L. Liu, D.C. Yen, & J.M. Tarn. (2015). Exploring Consumer Perceived Risk and Trust for Online Payments: an empirical study in China’s younger generation. Computers Human Behavior. 50, 9–24.
Yanti, Y. & D. Darmawan. (2016). Pengaruh Kompetensi Guru dan Lingkungan Belajar Terhadap Hasil Belajar melalui Motivasi Belajar Sebagai Variabel Intervening, Jurnal Ilmiah Manajemen Pendidikan Indonesia, 2(4), 269-286.
Yanti, Y., Yuliana, D. Darmawan & E. A. Sinambela. (2013). Psikologi Pendidikan, Spektrum Nusa Press, Jakarta.
Zimmerman, B. J. (2008). Investigating self-regulation and motivation: Historical background, methodological developments, and future prospects. American Educational Research Journal, 45(1), 166-183.
Copyright (c) 2020 Rahayu Mardikaningsih, Ella Anastasya Sinambela, Didit Darmawan, Dita Nurmalasari
This work is licensed under a Creative Commons Attribution 4.0 International License.
Jurnal Simki Pedagogia : https://jiped.org/index.php/JSP/index is licensed under a Creative Commons Attribution 4.0 International License.
