Faktor yang Memengaruhi Financial Satisfaction Pengguna E-Commerce di Surabaya
DOI:
https://doi.org/10.26740/jim.v9n1.p28-41Keywords:
financial attitude, financial literacy, financial management behavior, financial satisfaction.Abstract
The use of the internet has now become a necessity in everyday life. E-commerce is the sale, purchase, marketing of goods or services through electronic systems or the internet. This study aims to determine the effect of financial literacy and financial attitude on financial management behaviour as a mediator for e-commerce users in Surabaya. The type of data used in this study is quantitative data and uses primary data. The number of samples used was 218 respondents with criteria for e-commerce users included in the top 10 e-commerce that dominated the Indonesian online market, residing in the city of Surabaya, and aged 18 to 35 years. This study's data collection instrument was the distribution of questionnaires online. The data analysis technique in this research uses the Path Analysis technique of the Complex Model using AMOS version 23. The results of this study are that financial literacy influences financial management behaviour. Financial attitude does not affect financial management behaviour because based on age that is still not fully able to manage their finances very well. Financial literacy and financial management behaviour affect financial satisfaction. Financial attitude does not affect financial satisfaction because respondents still do not have their income or their income level is not too high. Financial management behaviour mediates financial literacy for financial satisfaction. Financial management behaviour does not mediate financial attitude towards financial satisfaction.
References
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Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control dan Financial Self-Efficacy terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen (JIM), 6(3). https://doi.org/2549-192X
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Xiao, J. J., & Porto, N. (2017). Financial education and financial satisfaction: Financial literacy, behavior, and capability as mediators. International Journal of Bank Marketing, 35(5), 805817. https://doi.org/10.1108/IJBM-01-2016-0009
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. Bisnis & Birokrasi Journal, 23(3). https://doi.org/10.20476/jbb.v23i3.9175
Ajzen, I. (2005). Attitudes, Personality and Behavior. International Journal of Strategic Innovative Marketing, Vol. 3, p. 117. https://doi.org/10.1080/08870446.2011.613995
Anggraeni, A. A., & Tandika, D. (2019). Pengaruh Financial Attitude dan Financial Knowledge terhadap Financial Management Behavior. JEMMA | Journal of Economic, Management and Accounting, 2(2), 9. https://doi.org/10.35914/jemma.v2i2.243
Arifin, A. Z. (2018). Influence Factors Toward Financial Satisfaction with Financial Behavior as Intervening Variable on Jakarta Area Workforce. European Research Studies Journal, 21(1), 90103. https://doi.org/11082976
Armilia, N., & Isbanah, Y. (2020). Faktor yang Memengaruhi Kepuasan Keuangan Pengguna Financial Technology di Surabaya. Jurnal Ilmu Manajemen, 8(2018), 3950. https://doi.org/2549-192X
BPS Jatim. (2019). Pengeluaran Perkapita Pertahun yang Disesuaikan Penduduk Jawa Timur. Retrieved November 15, 2019, from jatim.bps.go.id
Candra, J. W., & Memarista, G. (2015). Faktor-Faktor yang Mempengaruhi Financial Satisfaction pada Mahasiswa Universitas Kristen Petra. Finesta, 3(2), 16.
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among College Students. Zhongguo Jiguang/Chinese Journal of Lasers, 43(8), 107128. https://doi.org/10.3788/CJL201643.0811001
CoÅŸkuner, S. (2016). Understanding Factors Affecting Financial Satisfaction: The Influence of Financial Behavior, Financial Knowledge and Demographics. Imperial Journal of Interdisciplinary Research, 2(5), 24541362. https://doi.org/ISSN: 2454-1362, http://www.onlinejournal.in
Diener, E., Oishi, S., & Lucas, R. E. (2003). Personality, Culture, and Subjective Well-Being: Emotional and Cognitive Evaluations of Life. Journal, Annual Review of Psychology, 54, 403425.
Falahati, L., Sabri, M. F., & Paim, L. H. J. (2012). Assessment a Model of Financial Satisfaction Predictors: Examining the Mediate Effect of Financial Behaviour and Financial Strain. World Applied Sciences Journal, 20(2), 190197. https://doi.org/10.5829/idosi.wasj.2012.20.02.1832
Google, Temasek, & Bain & Company. (2019). e-Conomy SEA 2019. Retrieved from https://www.temasek.com.sg/en/news-and-views/subscribe/google-temasek-e-conomy-sea-2019
Halim, Y. K. E., & Astuti, D. (2015). Financial Stressors, Financial Behavior, Risk Tolerance, Financial Solvency, Financial Knowledge, dan Kepuasan Finansial. Jurnal Finesta, 3(1), 1923. https://doi.org/10.1109/EDOC.2009.26
Hasibuan, B. K., HR, W. A., & Lubis, Y. M. (2018). Financial Literacy and Financial Behavior as a Measure of Financial Satisfaction. Advances in Economics, Business and Management Research (AEBMR), 46(Ebic 2017), 503507. https://doi.org/10.2991/ebic-17.2018.79
Humaira, I., & Sagoro, E. M. (2018). Pengaruh Pengetahuan Keuangan, Sikap Keuangan, dan Kepribadian terhadap Perilaku Manajemen Keuangan pada Pelaku UMKM Sentra Kerajinan Batik Kabupaten Bantul. Nominal, Barometer Riset Akuntansi Dan Manajemen, 7(1). https://doi.org/10.21831/nominal.v7i1.19363
Ida, & Dwinta, C. Y. (2010). Pengaruh Locus Of Control, Financial Knowledge, Income terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131144. https://doi.org/10.34208/jba.v12i3
Iprice. (2019). Peta E-Commerce Indonesia. Retrieved October 11, 2019, from http://www.google.com/amp/s/iprice.co.id/insights/mapofecommerce/
OJK. (2017). OJK: Indeks Literasi Dan Inklusi Keuangan Meningkat. Ojk, 16. Retrieved from https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-OJK-Indeks-Literasi-dan-Inklusi-Keuangan-Meningkat.aspx
Priceza. (2018). 5 Cities in Indonesia with the Most Active Online Shoppers. Retrieved November 10, 2019, from http://www.pricezagroup.com/2018/behavior-indonesian-online-consumers/
Prihartono, M. R. D., & Asandimitra, N. (2018). Analysis Factors Influencing Financial Management Behaviour. International Journal of Academic Research in Business and Social Sciences, 8(8), 308326. https://doi.org/10.6007/ijarbss/v8-i8/4471
R.Anthony, P., & A, R. (2011). Knowledge, Attitude, Practice and Satisfaction on Personal Financial Management Among the Medical Practitioners in the Public and Private Medical Services in Malaysia. International Journal of Business and Management, 6(8), 105113. https://doi.org/10.5539
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control dan Financial Self-Efficacy terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen (JIM), 6(3). https://doi.org/2549-192X
Vpnmentor.com. (2019). B2C Ecommerce Sales Growth Worldwide. Retrieved October 25, 2019, from https://www.google.com/amp/s/id.vpnmentor.com/amp/blog/trend-internet-vital/espv=1
Xiao, J. J., & Porto, N. (2017). Financial education and financial satisfaction: Financial literacy, behavior, and capability as mediators. International Journal of Bank Marketing, 35(5), 805817. https://doi.org/10.1108/IJBM-01-2016-0009
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. Bisnis & Birokrasi Journal, 23(3). https://doi.org/10.20476/jbb.v23i3.9175
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2021-03-30
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Prabowo, M. S., & Asandimitra, N. (2021). Faktor yang Memengaruhi Financial Satisfaction Pengguna E-Commerce di Surabaya. Jurnal Ilmu Manajemen, 9(1), 28–41. https://doi.org/10.26740/jim.v9n1.p28-41
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