PENGARUH PENGGUNAAN E-WALLET TERHADAP PERILAKU PRODUKTIF MAHASISWA STKIP PERSADA KHATULISTIWA SINTANG

Martina Cesilia J.A, Dessy Triana Relita, Yopinus Bobi, Avelius Dominggus Sore, Yulia Suriyanti

Abstract


The development of financial technology, particularly e-wallets, has changed the financial behavior of students in the digital era. This study aims to analyze the influence of e-wallet use on the productive behavior of students at STKIP Persada Khatulistiwa Sintang. This study used a quantitative approach with a correlational method. Data were collected through questionnaires from 100 respondents selected using a purposive sampling technique, then analyzed using simple linear regression. The results showed that e-wallet use had a positive and significant effect on students' productive behavior with a significance value of 0.000 < 0.05 and a coefficient of determination of 51.2%. These findings indicate that e-wallets function not only as a transaction tool but also as a means to improve efficiency, financial control, and student productivity. This study contributes to expanding fintech studies by emphasizing the role of e-wallets in shaping productive behavior among students. This research is limited by its sample size. It cannot represent respondents from a specific generation. Therefore, more in-depth research is needed to generalize the results.

Keywords


E-wallet; Productive Behavior; Students; Financial Literacy.

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DOI: https://doi.org/10.31932/jpe.v11i1.6305

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