E-Wallet dan Perilaku Konsumsi Islam

Authors

DOI:

https://doi.org/10.29040/jiei.v9i1.7638

Keywords:

E-Wallet, Trust, Islamic Consumption Behavior

Abstract

Transaction systems in the form of non-cash payments using e-wallets offer many advantages and conveniences. The existence of these conveniences causes people to use their money to consume goods that are not in accordance with their needs, which is not in accordance with the principles of Islamic consumption. This study aims to examine the effect of using e-wallets on Islamic consumption behavior in the people of Surabaya. This research is quantitative with a causal associative approach, and uses a purposive sampling method to get 100 respondents who meet the research criteria. Data were analyzed using Structural Equation Modeling (SEM) with the SmartPLS analysis tool. Research results show that the use of e-wallets is influenced by perceived trust. Meanwhile, perceptions of convenience, benefits, risks and security of using e-wallets have no impact on Islamic consumption behavior.

Author Biographies

Meyta Amelia Rusbianti, Universitas Negeri Surabaya

Fakultas Ekonomika dan Bisnis

Clarashinta Canggih, Universitas Negeri Surabaya

Lecturer Islamic Economics Programs

References

Abdullah, N., Redzuan, F., & Daud, N. A. (2020). E-wallet: Factors Infuencing User Acceptance Towards Cashless Society in Malaysia Among Public. Journal of Electrical Engineering and Computer Science, 20(1), 67–74.

Aditya, T., & Mahyuni, L. P. (2022). Pengaruh Literasi Keuangan, Persepsi Kemudahan, Manfaat, Keamanan dan Pengaruh Sosial Terhadap Minat Penggunaan E-Wallet. FORUM EKONOMI : Jurnal Ekonomi, Manajemen Dan Akuntansi, 24(2), 245–258. https://doi.org/ 10.29264/jfor.v24i2.10330

Aji, H. M., Berakon, I., & Husin, M. (2020). COVID-19 and E-Wallet Usage Intention: A Multigroup Analysis Between Indonesia and Malaysia. Cogent Business & Management, 7(1). https://doi.org/10.1080/23311975.2020.1804181

Arhando, P. (2019). Kota Ini Juara Pakai Dompet Digital di Indonesia, 5 E-Wallet Ini Teratas. Yahoo.Com. https://id.berita.yahoo.com/kota-ini-juara-pakai-dompet-053023830.html

Ariffin, S. K., R, A. R. M. F., Muhammad, A. M., & Zhang, Q. (2021). Understanding the consumer’s intention to use the e-wallet services. Spanish Journal of Marketing - ESIC, 25(3), 446–461. https://doi.org/10.1108/SJME-07- 2021-0138

Bank Indonesia. (2016). Peraturan Bank Indonesia Nomor 18/17/PBI/2016 Tentang Uang Elektronik.

Bressolles, G., Durrieu, F., & Giraud, M. (2007). The Impact of Electronic Service Quality’s Dimensions on Customer Satisfaction and Buying Impulse. Journal of Consumer Behavior, 6(1), 37–56.

Chaudhry, M. S. (2012). Sistem Ekonomi islam Prinsip Dasar. Kencana Prenada Media Group.

Damayanti, F. D. W., & Canggih, C. (2021). Pengaruh Penggunaan Pembayaran Shopeepay Later Terhadap Perilaku Konsumsi Islam Generasi Milenial Di Surabaya. Jurnal Ilmiah Ekonomi Islam, 7(03), 1880–1888. http://dx.doi.org/10.29040/jiei.v7i3.2872

Davis, F. D. (1989). Technology Acceptance Model for Empirically Testing New End-User Information System Theory and Result. Dalam M. I. (MIT), MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008.

Do, H. N., Shih, W., & Ha, Q. A. (2020). Efects of Mobile Augmented Reality Apps on Impulse Buying Behavior: An Investigation in The Tourism Feld. 6(8), v.

Flavián, C., & Guinaliu, M. (2006). Consumer Trust, Perceived Security and Privacy Policy: Three Basic Elements of Loyalty to a Website. Ind. Manag. Data Syst, 106(5), 601–620. https://doi.org/10.1108/02635570610666403

Ghozali, & Latan. (n.d.). Partial Least Squares Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0. Badan Penerbit Universitas Diponegoro.

Hasima, M. A., Hassan, S., Ishak, M. F., & Razak, A. A. (2020). Factors infuencing Gen-Y in Malaysia to purchase impulsively: A mediating efect of perceived enjoyment. International Journal of Innovation, Creativity and Change, 11(5), 385–396.

Hidayat, D., Pangaribuan, C. H., Putra, O. B., & Taufiq, F. J. (2021). Expanding the Technology Acceptance Model with the Inclusion of Trust and Mobility to Assess E-Wallet User Behavior: Evidence from OVO Consumers in Indonesia. IOP Conference Series: Earth and Environmental Science, 729(1). https://doi.org/10.1088/1755-1315/729/1/012050

Ing, A. Y., Keong, W. T., & Yuh, L. P. (2021). Intention to Use E_Wallet Amongst the University Students in Klang Valley. International Journal Of Business And Economy, 3(1), 75–84.

Insana, D. R. M., & Johan, R. S. (2021). Analisis Pengaruh Penggunan Uang Elektronik Terhadap Perilaku Konsumtif Mahasiswa. Relasi : Jurnal Ekonomi, 17(2), 413–434. https://doi.org/10.31967/relasi.v17i2.494.

Jogiyanto. (2007). Sistem Informasi Keperilakuan. Andi.

Karjaluoto, H., Shaikh, A. A., Saarijärvi, H., & Saraniemi, S. (2018). How Perceived Value Drives the Use of Mobile Financial Services Apps. International Journal of Information Management, 47, 252–261.

Kee, D. M. H., Ow, A. L., Ooi, Z. J., Sathiaseelan, P., Pang, K., KA, S., & Madhan, S. (2022). Have you Touched ? A Case Study of Touch n Go E-Wallet. International Journal of Accounting & Finance in Asia Pasific (IJAFAP), 5(1), 84–94. https://doi.org/10.32535/ijafap.v5i1.141 6

Kim, D. J., Ferrin, D. L., & Rao, H. R. (2008). A Trust-Based Consumer Decision-Making Model in Electronic Commerce : The Role of Trust, Perceived Risk , and Their Antecedents. Scientific Research an Academic Publisher, 44, 544–564. http://dx.doi.org/10.1016/j.dss.2007.07.001

Kumalasari, R. (2022). Macam-Macam E-Wallet, Definisi, Kelebihan, dan Kekurangannya. Majoo.Id. https://majoo.id/solusi/detail/ewallet-adalah

Kustono, A. S., Nanggala, A. Y. A., & Mas’ud, I. (2020). Determinants of the Use of E_Wallet for Transaction Payment among College Students. Journal of Economics, Business, & Accountancy Ventura, 23(1). https://doi.org/10.14414/jebav.v23i1.2245

Liu, Q., Shao, Z., Tang, J., & Fan, W. (2019). Examining the infuential factors for continued social media use. Industrial Management & Data Systems, 119(5), 1104–1207.

Liu, Y., Li, Q., Edu, T., Jozsa, L., & Negrice, I. C. (2020). Mobile Shopping Platform Characteristics as Consumer Behavior Determinants. Asia Pacifc Journal of Marketing and Logistics, 32(7), 1565–1587.

Mannan, M. A., & Sonhadji, H. (1997). Teori dan praktek Ekonomi Islam (H.M. Sonhadji (ed.)). Dana Bhakti Prima Yata.

Moorthy, K. S. L., Ching, W. F., Yeong, M. Y., Chan, K. Y., Elaine, Chong, S. Y., Kwa, & Lee, K. W. (2017). Barriers of mobile commerce adoption intention: Perceptions of generation X in Malaysia. Journal of Theoretical and Applied Electronic Commerce Research, 12(2), 37–53.

Muflih, M. (2006). Perilaku Konsumen Dalam Perspektif Ilmu Ekonomi Islam. Raja grafindo Persada.

Osman, S., Jabaruddin, N., Zon, A. S., Jifridin, A. A., & Zolkepli, A. K. (2021). Factors Influencing the Use of E-Wallet Among Millennium Tourist. Journal of Information Technology Management, 13(3), 70–81. https://doi.org/10.22059/jitm.2021.83114

Patanasiri, A., & Krairit, D. (2018). A Comparative Study of Consumers Purchase Intention on Different Internet Platforms. Mobile Networks and Applications, 14, 1–15.

Pavlou, P. A. (2003). Consumer Acceptance of Electronic commerce: Integrating Trust and Risk with the Technology Acceptance Model. International Journal of Electronic Commerce, 7(3), 101–134. https://doi.org/10.1080/10864415.2003.11044 275.

Rahayu, I. R. S. (n.d.). Melesat Tinggi, Transaksi Uang Elektronik Tembus Rp 35,5 Triliun. Kompas.Com. https://money.kompas.com/read/2022/08/24/061534026/melesat-tinggi-transaksi-uang-elektronik-tembus-rp-355-triliun

Ramadhan, A., & Tamba, R. S. (2022). Pengaruh Persepsi Manfaat dan Persepsi Kemudahan Terhadap Minat Penggunaan E-wallet Gopay di wilayah DKI Jakarta. Abiwara : Jurnal Vokasi Administrasi Bisnis, 3(2), 134–139. https://doi.org/10.31334/abiwara.v3i2.2218

Raman, A., & Viswanathan, A. (2011). Pengaruh Faktor Keamanan, Pengetahuan TI, Kualitas Layanan dan Persepsi Risiko Terhadap Keputusan Pembelian Melalui Situs Jejaring Sosial.

Rantung, H. M., Tumbuan, J, F, A., & Gunawan, E. M. (2020). The Determinants Influencing Behaviorial Intention to Use E-Wallet During Covid-19 Pandemic in Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(4), 352–360. https://doi.org/10.35794/emba.v8i4.30784

Rantung, H. M., Tumbuan, J. F. A., & Gunawan, E. M. (2020). The Determinants Influencing Behaviorial Intention to Use E_Wallet During Covid-19 Pandemic in Manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(4), 352–360. https://doi.org/10.35794/emba.v8i4.30784

Ridwan, M., Harahap, I., & Harahap, P. (2018). Keputusan Pembelian Melalui Situs Belanja Online Terhadap Perilaku Konsumtif Masyarakat dalam Perspektif Ekonomi Islam (Studi kasus Pada Pengguna Aplikasi Lazada di Medan). J-EBIS, 3(2), 132–145. https://doi.org/10.32505/v3i2.124

Sarkar, S., & Khare, A. (2017). Moderating Efect of Price Perception on Factors Afecting Attitude Towards Online Shopping. Journal of Marketing Analytics, 5(2), 68–80. https://doi.org/10.1057/s41270-017-0018-2

Singh, N., & Sinha, N. (2020). How Perceived Trust Mediates Merchant’s Intention to Use a Mobile Wallet Technology. Journal of Retailing and Consumer Services, 52(101894). https://doi.org/10.1016/j.jretconser.2019.101894

Suprapto, Y., & Farida, F. (2022). Analisis Pengaruh Brand Image, Trust, Security, Perceived Usefulness, Perceived Ease Of Use Terhadap Adoption Intention Fintech Di Kota Batam. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 5(1), 319–332. https://doi.org/10.36778/jesya.v5i1.569

Suresh, A. M., & Shashikala, R. (2011). Indentifying Factors Of Consumer Perceived Risk Towards Online Sopping In India. 3rd International Conference On Information And Financial Engineering, 12, 336–341.

Tirtana, I., & Sari, S. P. (2014). Analisis Pengaruh Persepsi Kebermanfaatan, Persepsi Kemudahan, dan Kepercayaan Terhadap Penggunaan Mobile Banking. Syariah Paper FEB UMS, 671–688.

Widiyanti, W. (2020). Pengaruh Kemanfaatan, Kemudahan Penggunaan dan Promosi terhadap Keputusan Penggunaan E-Wallet OVO di Depok. Moneter. Jurnal Akuntansi Dan Keuangan, 7(1), 54–68. https://doi.org/https://doi.org/10.31294/moneter.v7i1.75 67

Wu, I. L., Chiu, M. L., & Kuei, W. C. (2020). Defning the Determinants of Online Impulse Buying Through a Shopping Process of Integrating Perceived Risk, Expectation-Confirmation Model, and Flow Theory Issues. International Journal of Information Management, 52(102099). https://doi.org/10.1016/j.ijinfomgt.2020.102099

Downloads

Published

10-03-2023

How to Cite

Rusbianti, M. A., & Canggih, C. (2023). E-Wallet dan Perilaku Konsumsi Islam. Jurnal Ilmiah Ekonomi Islam, 9(1), 516–524. https://doi.org/10.29040/jiei.v9i1.7638

Issue

Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023

Section

Articles

Citation Check

License

The copyright of the article fully belongs to the Jurnal Ilmiah Ekonomi Islam and publishing rights belong entirely to LPPM STIE AAS Surakarta

 Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Similar Articles

1 2 3 4 5 6 7 8 9 10 > >> 

You may also start an advanced similarity search for this article.