Featured Logic chart
Analysis of Accounting Students' Consumer Behavior
This study investigates the consumer behavior of accounting students, focusing on how e-money usage and self-control influence their purchasing habits. It employs a quantitative ex post facto design with path analysis to understand these relationships, revealing significant impacts of both e-money and self-control on consumerism, with self-control mediating the e-money effect. The findings offer insights into managing student spending in the digital era.
Key Takeaways
E-money significantly influences student consumer behavior.
Self-control negatively impacts consumerism among students.
Self-control mediates the effect of e-money on consumption.
Digital payment growth shapes student spending habits.
Research used quantitative methods on Bali accounting students.
What factors drive the study of student consumer behavior?
The increasing prevalence of digital technology and the widespread adoption of e-money have significantly altered consumer spending patterns, particularly among students. This research is motivated by the observed phenomenon of e-money's impact on student self-control and their potential for consumptive behavior. Furthermore, inconsistencies in previous research findings regarding these relationships highlight the need for a more focused investigation. Understanding these dynamics is crucial for addressing financial literacy and responsible spending habits in a digitally-driven economy, especially for a demographic like accounting students who are expected to manage finances responsibly.
- Rapid growth of digital technology and its influence on daily life.
- The e-money phenomenon and its broad implications for financial transactions.
- Challenges students face with self-control and the risk of consumptive behavior.
- Inconsistent results from earlier studies, necessitating further investigation.
What theoretical concepts underpin consumer behavior analysis?
This study is grounded in key theoretical concepts, including e-money, consumer behavior, and self-control. E-money, defined by Bank Indonesia regulations, offers both benefits like convenience and drawbacks such as potential overspending, and its market share in Indonesia continues to expand. Consumer behavior encompasses the actions individuals take when purchasing goods and services, often triggered by factors like promotions, discounts, and social prestige. Self-control, involving the ability to regulate one's impulses and desires, plays a critical role in moderating these purchasing tendencies. These concepts collectively form the framework for analyzing student spending habits.
- E-money: Definition, Bank Indonesia regulations, benefits, drawbacks, and market share in Indonesia.
- Consumer Behavior: Definition, characteristics, and common triggers such as promotions, discounts, and social prestige.
- Self-Control: Definition, various aspects, and its crucial role in managing and regulating individual behavior.
How was the consumer behavior study conducted?
The research employed a quantitative, ex post facto design utilizing path analysis to examine the relationships between variables. The study's population consisted of S1 Accounting students in Bali, from which a total sample of 354 individuals was selected. Data collection was efficiently carried out using digital questionnaires distributed via Google Form, incorporating a 6-point Likert scale to measure responses. Rigorous validity and reliability tests were conducted to ensure the quality of the collected data. For data analysis, descriptive statistics were used alongside path analysis, complemented by classical assumption tests including normality, heteroscedasticity, and multicollinearity, to ensure the robustness of the statistical models.
- Research design: Quantitative, ex post facto approach with path analysis.
- Population and sample: S1 Accounting students in Bali, with a total of 354 respondents.
- Data collection technique: Digital questionnaires via Google Form using a 6-point Likert scale, with validity and reliability tests.
- Data analysis techniques: Descriptive statistics, path analysis, and classical assumption tests (normality, heteroscedasticity, multicollinearity).
What were the key findings and their implications?
The study's results provided a detailed description of respondent data and confirmed that all classical assumption tests were met, including normality (Sig. > 0.05), absence of heteroscedasticity, and no multicollinearity (Tolerance > 0.1, VIF < 10), ensuring the validity of the analysis. Hypothesis testing revealed significant outcomes: H1 indicated that e-money positively and significantly influences consumer behavior. H2 showed that self-control negatively and significantly impacts consumer behavior. Crucially, H3 demonstrated that self-control mediates the relationship between e-money and consumer behavior, suggesting that while e-money encourages spending, self-control can mitigate this effect.
- Detailed description of respondent data was provided.
- Classical assumption tests were successfully passed, confirming data suitability.
- E-money significantly and positively influences consumer behavior (H1 supported).
- Self-control significantly and negatively impacts consumer behavior (H2 supported).
- Self-control mediates the relationship between e-money and consumer behavior (H3 supported).
What conclusions and recommendations emerged from the study?
The research concludes that e-money significantly promotes consumptive behavior among accounting students, while self-control effectively reduces it, and importantly, self-control acts as a mediator in the e-money-consumerism relationship. These findings have significant implications, suggesting the need for financial literacy programs focusing on self-control in the digital payment era. Practically, educational institutions and financial bodies can develop strategies to foster responsible e-money usage. Theoretically, this study contributes to understanding consumer behavior in a digital context. However, limitations such as the specific student demographic and geographical scope suggest avenues for future research to explore broader populations or different mediating variables.
- Key conclusions regarding the direct and mediating effects of e-money and self-control on consumer behavior.
- Practical implications for developing financial literacy programs and promoting responsible e-money usage.
- Theoretical implications for advancing the understanding of consumer behavior in the digital age.
- Identified limitations of the study, suggesting directions for future research endeavors.
Frequently Asked Questions
What is the main focus of this research?
This research analyzes the consumer behavior of accounting students, specifically investigating the influence of e-money usage and self-control on their purchasing habits in a digital environment.
How does e-money affect student consumer behavior?
The study found that e-money significantly and positively influences consumer behavior, suggesting that easier digital transactions can lead to increased spending and potentially more consumptive habits among students.
What role does self-control play in student consumerism?
Self-control significantly and negatively impacts consumer behavior, meaning higher self-control helps students manage their spending. It also mediates the effect of e-money, reducing its direct influence on consumption.
Related Mind Maps
View AllNo Related Mind Maps Found
We couldn't find any related mind maps at the moment. Check back later or explore our other content.
Explore Mind Maps
