Pola Konsumsi Masyarakat Perkotaan Berdasarkan Penggunaan E-money
Keywords:
Consumption Patterns, Urban Society, E-money, Promotion, DiscountAbstract
The use of e-money in urban areas demonstrates the rapid adaptation to technology by individuals seeking convenience and speed in financial transactions. Consumption patterns with e-money include the purchase of goods and services, routine bill payments, as well as entertainment and recreation. Factors influencing the use of e-money include convenience and speed, promotions and discounts, security, technological and infrastructure development, and social and cultural influences. The impact of e-money on shopping habits includes changes in shopping patterns, increased consumption, more planned transactions, preferences for certain merchants, and reduced use of cash. E-money significantly alters consumer behavior in urban areas by encouraging higher shopping frequency and better financial management.
References
Abiba, R. W., & Indrarini, R. (2021). Pengaruh Penggunaan Uang Elektronik (E-Money) Berbasis Server Sebagai Alat Transaksi terhadap Penciptaan Gerakan Less Cash Society Pada Generasi Milenial di Surabaya. Jurnal Ekonomika Dan Bisnis Islam, 4(1), 196–206. https://doi.org/10.26740/jekobi.v4n1.p196-206.
Agustini. (2023). Segmentasi Pasar, Penentuan Target Dan Penentuan Posisi.
Amelia, S., & Wahyunti. (2023). Jual Beli Valuta Asing Secara SPOT Pada Bank Syariah Berdasarkan Pandangan AL-Ghazali Dan Ibnu Taimiyah.
BI. (2020). Regulasi Uang Elektronik.
Charisma, L., & Suprapti, N. W. S. (2020). Pengaruh Nilai Utilitarian Dan Persepsi Kemudahan Penggunaan Terhadap Kepuasan Untuk Meningkatkan Niat Beli Ulang (Studi pada Pengguna Aplikasi E-Money Merek OVO di Kota Denpasar dan Kabupaten Badung.
Jalu, N., Perdana, P., Zunaidi, A., & Maghfiroh, F. L. (2024). Increasing mustahik welfare through optimizing productive zis funds: lessons from the implementation of the bisa program. AZKA International Journal Of Zakat & Social Finance (AZJAF), 5(1), 37–63.
jati, R., & wasisto. (2015). Less Cash Society: Menakar Mode Konsumerisme Baru Kelas Menengah Indonesia. Jurnal Sosioteknologi, 14(2), 102–112. https://doi.org/10.5614/sostek.itbj.2015.14.2.1.
Kartajaya, H., Sula, M. S., Sudirjo, F., Zunaidi, A., & Septiana, A. (2024). Increasing The Competitive Advantage Of Sharia Rural Financing Banks ( BPRS ) Products Through A Marketing Mix Strategy : The Approach Of. WADIAH: Jurnal Perbankan Syariah, 8(2), 26–51.
Kaspersky. (2020). Cybersecurity Risks in Digital Payments.
Muna, N. El, Zunaidi, A., & Maupe, M. D. (2023). Implementation of the Law. No. 23 of 2011 Concerning Zakat Management in the Empowered Program Through Z-Mart. Et-Tijarie: Jurnal Hukum Dan Bisnis Syariah, 8(2), 119–127. https://doi.org/https://doi.org/10.21107/ete.v8i2.20989
Natalina, S. A., & Zunaidi, A. (2023a). Corporate Social Responsibility Disclosure and Profitabilitas: Evidance From Indonesian Mining Companies. Innovation Business Management and Accounting Journal, 2(3), 135–146. https://doi.org/10.56070/ibmaj.v2i3.46
Natalina, S. A., & Zunaidi, A. (2023b). Pandemic Impact on Islamic Financial Literacy: A Study in Bojonegoro Regency. Al Iqtishod: Jurnal Pemikiran Dan Penelitian Ekonomi Islam, 11(2), 19–38. https://doi.org/10.37812/aliqtishod.v11i2.556
Raharjo, B., & Wibowo, A. (2022). Analisis Pola Konsumsi Masyarakat Perkotaan Berdasarkan Penggunaan E-money: Studi Kasus di Jakarta. Jurnal Ekonomi Dan Bisnis, 19(2), 145– 160.
Rahmah, Z. Z., Yuliani, Mutfarida, B., Zuraidah, & Zunaidi, A. (2024). Penelusuran Peran Waktu dalam Kepuasan Konsumen Kaitannya dengan Kualitas Layanan dan Kesetiaan Konsumen. Jurnal Ilmiah Ekonomi, Manajemen, Bisnis Dan Akuntansi (JEMBA), 1(2), 79–91. https://ejurnal.kampusakademik.my.id/index.php/jemba/article/view/99
Rakhman, Y. A., & Pertiwi, T. K. (2022). Literasi Keuangan, Penggunaan E-Money, Kontrol Diri, Dan Gaya Hidup Terhadap Perilaku Konsumtif Belanja Online. Journal of Management and Bussines (JOMB, 5(1), 560–575.
S.S, W. M., & Darmawan, A. (2023). Analisis Pola Konsumsi Masyarakat Kota Batam Berdasarkan Penggunaan E-Money Berbasis Aplikasi. JURNAL AKUNTANSI, EKONOMI Dan MANAJEMEN BISNIS, 8(2), 248–262.
Sari, D. P., & Pratama, R. (2021). Pengaruh Penggunaan E-money terhadap Pola Konsumsi Masyarakat Urbaan: Studi Kasus di Surabaya”. Jurnal Manajemen Dan Kewirausahaan, 8(1), 55–68.
Setiawan, F., & Susanto, A. (2020). Penggunaan E-money dan Perubahan Pola Konsumsi di Kalangan Masyarakat Perkotaan: Analisis Pendekatan Kualitatif. Jurnal Ilmu Sosial Dan Humaniora, 15(3), 301–315.
Zunaidi, A. (2024). Investment of Zakat Funds as an Effort to Improve Dhuafa’s Economy Perspective Yusuf Qardhawi. AZKA International Journal of Zakat & Social Finance, 5(1), 17–35. https://azjaf.zakat.com.my/index.php/azjaf/article/view/128
Zunaidi, A., Kholik, J. A., Maghfiroh, F. L., Mutamimah, A. N. O., & Rahmawati, S. (2024). Climate Change and Sustainable Development: A Collective Approach to Economic Integration in the Islamic World. Al-Tahrir: Jurnal Pemikiran Islam, 24(1), 65-88. https://doi.org/https://doi.org/10.21154/altahrir.v24i1.7510
Zunaidi, A., Maghfiroh, F. L., Athirah, N., & Azmi, M. (2024). Gusdurian Peduli’s Charitable Efforts: Islamic Philantrophy and COVID-19. Tsaqafah Jurnal Peradaban Islam, 20(1), 77–98.
Zunaidi, A., Maghfiroh, F. L., & Setiawan, F. (2024). Empowering Local Communities through Zakat to Achieve Sustainable Development Goals. Iqtishoduna, 20(1), 53–54.
