Abstract
IAIN Sharia Banking Student Sheikh Nurjati consumes high students, but in conducting transactions students are less in utilizing electronic money and debit card facilities in daily activities so that the problem is how the e-money and e-money are used. the use of debit cards against student consumption expenses. This system of payment transactions using electronic money and debit cards will affect a person's behavior in spending or consumption behavior. This study aims to investigate the use of e-money and debit cards in consumption expenditures and how it affects the consumption expenditure. This research applied a quantitative method by using a questionnaire as an instrument to collect the data. Further, the data were then analyzed by applying multiple linear regression models. As result, it was revealed that partially using e-money in students’ consumption behavior had a negative and an insignificant influence, while using debit cards had a positive and significant influence on students’ consumption behavior. Thus, based on the F test results, it is proved that using e-money and debit cards together have a significant impact on students’ consumption behavior.
Highlights
Transaction benefits can be seen from how an efficient payment system with minimal costs
The analytical method used is multiple linear regression, namely Y = a + b1X1 + b2X2 + e, where Y is Student Consumption Behavior, Constant X1 is the use of e-money and X2 is the Use of Debit and e-Cards is Error
Based on the research that has been done, the results obtained from the hypothesis which shows partial X1 (Electronic Money) prove negative and not significant towards student consumption safety
Summary
Transaction benefits can be seen from how an efficient payment system with minimal costs. The issuance of low transaction costs will make payment service users choose payment services that have relatively low prices. A decrease in transaction costs and speed of transactions will make the non-cash payment system more effective through electronic payment innovations [1]. Payment systems have an important role in community consumption activities, namely activities to spend income or income for various types of goods or services in meeting human needs. The most important human needs to be fulfilled in consumption activities are basic needs. Community consumption can be grouped into food and non-food consumption [2]
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