Pengaruh Uang Saku dan Self-Control terhadap Perilaku Konsumtif dalam Menggunakan E-Commerce pada Siswa SMA Negeri 11 Muaro Jambi
DOI:
https://doi.org/10.35870/emt.v10i4.7339Keywords:
Allowance, Self-Control, Consumptive Behavior, E-Commerce, StudentsAbstract
The development of digital technology has encouraged the increased use of e-commerce in various groups, including high school students. The ease of access to transactions through e-commerce can influence students' consumptive behavior, especially influenced by pocket money and self-control. This study aims to determine the effect of pocket money and self-control on consumptive behavior in the use of e-commerce among students of SMA Negeri 11 Muaro Jambi. This study uses a quantitative approach with a survey method. The research sample consisted of 106 students determined using a specific sampling technique. Data analysis used multiple linear regression. The results showed that pocket money had a positive and significant effect on consumptive behavior, while self-control had a negative and significant effect. Simultaneously, pocket money and self-control had a significant effect on consumptive behavior with a coefficient of determination of 34.4% indicating that consumptive behavior was influenced by pocket money and self-control, while the rest was influenced by other factors outside the study. It can be concluded that the greater the pocket money received and the lower the students' self-control, the higher the tendency of consumptive behavior in using e-commerce in students.
Downloads
References
Abdan Sifa, I., Masruroh, I., Zulfa, M. A., Fitriani, S. N., & Aprianto, N. E. K. (2024). Transformasi digital e-commerce dalam menguasai konsentrasi pasar di Indonesia. Jurnal Ilmiah Ekonomi dan Manajemen, 2(12), 405–413.
Astriana, N. (2024). Dampak e-commerce terhadap perilaku konsumtif mahasiswa dalam perspektif ekonomi Islam. Jurnal Cendekia Ilmiah, 3(6).
Fakhri, N., Islah, N., & Khumas, A. (2024). Efektivitas pelatihan kontrol diri untuk menurunkan ego depletion pada mahasiswa. Procedia: Studi Kasus dan Intervensi Psikologi, 12(1), 38–43.
Fauzziyah, N., & Widayati, S. (2020). Pengaruh besaran uang saku dan lingkungan teman sebaya terhadap perilaku konsumtif mahasiswa Fakultas Keguruan dan Ilmu Pendidikan Universitas Ivet. Journal of Economic Education and Entrepreneurship, 1(1), 24.
Fitria, R., & Desiyanti, R. (2025). Pengaruh e-commerce, uang saku, pengendalian diri, dan literasi keuangan terhadap perilaku konsumtif mahasiswa setelah masa pandemi Covid-19 (Studi kasus pada mahasiswa Universitas Bung Hatta angkatan 2021–2023).
Guntur, H. (2024). Pengaruh penggunaan financial technology dan uang saku terhadap perilaku konsumtif mahasiswa akuntansi. Jurnal Ilmiah Ekonomi dan Kewirausahaan, 8(3).
Hakim, & Prasetianingsih, E. (2024). Pengaruh literasi keuangan dan pengendalian diri terhadap perilaku konsumtif siswa SMA Negeri 1 Sampang Cilacap.
Khairinal. (2016). Menyusun proposal skripsi, tesis, & disertasi. Salim Media Indonesia.
Moscati, I. (2020). History of utility theory: From Jeremy Bentham to Daniel Kahneman. Oxford University Press.
Permadani, A. A., & Sartika, F. (2025). Pengaruh fintech dan financial literacy terhadap perilaku konsumtif belanja online e-commerce Shopee dengan self-control sebagai mediasi (Studi pada mahasiswa PTN Malang). Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi, 9(2).
Prana, V. W., Permanasari, A., Fidyah, F., & Pradita, A. E. (2024). Pengaruh e-commerce, uang saku, dan literasi keuangan terhadap perilaku konsumtif di kalangan mahasiswa Jakarta. Jurnal Ilmiah Ekonomi dan Kewirausahaan, 20(2).
Putri, L. A., & Hudaniah. (2023). Hubungan self-control dengan perilaku konsumtif belanja online pada mahasiswa rantau. Jurnal Ilmiah Psikologi, 11(2), 140–148.
Rosmeli, R., Ekasari, N., Wiralestari, W., Saparuddin, S., Fathiyah, F., & Alvaro, R. (2024). Determinan perilaku belanja online di Kota Jambi. Ekonomis: Journal of Economics and Business, 8(1), 788.
Schiffman, L. G., & Wisenblit, J. (2019). Consumer behavior (12th ed.). Pearson.
Sugiyono. (2018). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Supriatna, A., Zahra, A., Meilani, A. P., Khusaeni, M. F., Jamilah, R., Wijaya, R., Rozak, A., & Mulyani, H. (2023). Penggunaan e-commerce dan tingkat literasi keuangan di kalangan siswa: Antara konsumtif atau pendapatan? Jurnal Mutiara Ilmu Akuntansi (JUMIA), 1(2).
Ulayya, S., & Mujiasih, E. (2020). Hubungan antara self-control dengan perilaku konsumtif pengguna e-money pada mahasiswa Fakultas Psikologi Universitas Diponegoro. Jurnal Empati, 9(4).
Widiastuti, C. T. (2023). Analisis gaya hidup sebagai variabel mediasi pada perilaku konsumtif belanja online. Jurnal Ilmiah Bidang Ilmu Ekonomi, 21(4).
Widodo, A., Rubiyanti, N., & Madiawati, P. N. (2024). Indonesia’s online shopping sector transformation: Analyzing the effects of online shopping app growth, e-commerce user adoption, Generation Y and Z, and shopping app advertising. Pakistan Journal of Life and Social Sciences, 22(2), 5547–5563.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Denny Setiawan, Rosmiati Rosmiati, Dwi Rayana Siregar
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Copyright Retention and Open Access License
Authors retain copyright of their work and grant the journal non-exclusive right of first publication under the Creative Commons Attribution 4.0 International License (CC BY 4.0).
This license allows unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
2. Rights Granted Under CC BY 4.0
Under this license, readers are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material for any purpose, including commercial use
- No additional restrictions — the licensor cannot revoke these freedoms as long as license terms are followed
3. Attribution Requirements
All uses must include:
- Proper citation of the original work
- Link to the Creative Commons license
- Indication if changes were made to the original work
- No suggestion that the licensor endorses the user or their use
4. Additional Distribution Rights
Authors may:
- Deposit the published version in institutional repositories
- Share through academic social networks
- Include in books, monographs, or other publications
- Post on personal or institutional websites
Requirement: All additional distributions must maintain the CC BY 4.0 license and proper attribution.
5. Self-Archiving and Pre-Print Sharing
Authors are encouraged to:
- Share pre-prints and post-prints online
- Deposit in subject-specific repositories (e.g., arXiv, bioRxiv)
- Engage in scholarly communication throughout the publication process
6. Open Access Commitment
This journal provides immediate open access to all content, supporting the global exchange of knowledge without financial, legal, or technical barriers.
