PENGARUH FINTECH E-WALLET DANA TERHADAP PERILAKU KONSUMTIF PADA MAHASISWA PROGRAM STUDI PERBANKAN SYARIAH IAIN KENDARI

Rizky Nur Indraswari, NIM. 2020050102002, R (2025) PENGARUH FINTECH E-WALLET DANA TERHADAP PERILAKU KONSUMTIF PADA MAHASISWA PROGRAM STUDI PERBANKAN SYARIAH IAIN KENDARI. Other thesis, IAIN KENDARI.

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2. BAB I.pdf
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3. BAB II.pdf
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4. BAB III.pdf
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Abstract

ABSTRAK
Rizky Nur Indraswari, NIM. 2020050102002. “Pengaruh Fintech
E-Wallet DANA terhadap Perilaku Konsumtif Pada Mahasiswa
Program Studi Perbankan Syariah IAIN Kendari. Fakultas
Ekonomi dan Bisnis Islam, Institut Agama Islam Negeri Kendari,
Dibimbing Oleh: Dr. Hj. Ummi Kalsum M.Ag dan Dr. H.
Sulaemang L. M.Th.I
Penelitian yang berjudul “Pengaruh Fintech E-Wallet DANA terhadap
Perilaku Konsumtif Pada Mahasiswa Program Studi Perbankan Syariah
IAIN Kendari ini adalah hasil penelitian yang bertujuan untuk
menganalisis dan mengetahui pengaruh electronic wallet DANA
terhadap perilaku konsumtif mahasiswa. Variabel independen dalam
penelitian ini yaitu Persepsi Kmudahan (X1), Persepsi Keamanan (X2)
dan Promosi (X3) serta Perilaku Konsumtif (Y) sebagai variabel
dependen.Menggunakan metode kuantitatif karena bertujuan untuk
mengkonfirmasi data yang didapatkan di lapangan dengan teori yang
ada. Sampel diperoleh sebanyak 85 responden dari Mahasiswa Program
studi Perbankan Syariah IAIN Kendari yang menggunakan E-wallet
DANA dengan teknik purposive sampling . Sedangkan untuk teknik
pengumpulan data dilakukan dengan menggunakan metode kuesioner
(Google Form). Data diolah menggunakan uji validitas, uji reliabilitas,
uji asumsi klasik, dan uji hipotesis menggunakan program IBM SPSS
25 for windows.Hasil penelitian ini menujukkan bahwa terdapat
pengaruh yang positif dan signifikan antara variabel Persepsi
Kemudahan, Terhadap Perilaku Konsumtif Mahasiswa Program Studi
Perbankan Syariah IAIN Kendari, dengan taraf signifikansi sig. α 0,000
< 0,05, sedangkan pada variabel persepsi keamanan tidak ada pengaruh
signifikan terhadap perilaku konsumtif mahasiswa Program Studi
Perbankan Syariah IAIN Kendari dengan taraf signifikasi 0,829 > 0,05,
kemudian variabel promosi berpengaruh positif dan signifikan terhadap
xi | A B S T R A K
terhadap perilaku konsumtif mahasiswa Program Studi Perbankan
Syariah IAIN Kendari dengan taraf signifikansi 0,000 < 0,05.
Kata Kunci : Fintech, E-Wallet, Persepsi Kemudahan, Persepsi
Keamanan, Promosi, Perilaku Konsumtif
ABSTRACT
Rizky Nur Indraswari, NIM. 2020050102002. "The Influence of
DANA E-Wallet Fintech on Consumptive Behavior in Students of
the Sharia Banking Study Program IAIN Kendari. Faculty of
Islamic Economics and Business, Kendari State Islamic Religious
Institute, Supervised By: Dr. Hj. Ummi Kalsum M.Ag and Dr. H.
Sulaemang L. M.Th.I
The research entitled "The Influence of DANA E-Wallet Fintech on
Consumptive Behavior in Students of the IAIN Kendari Sharia Banking
Study Program is the result of a research that aims to analyze and
determine the influence of DANA electronic wallet on students'
consumptive behavior. The independent variables in this study are
Perception of Convenience (X1), Perception of Security (X2) and
Promotion (X3) and Consumptive Behavior (Y) as dependent variables.
Using a quantitative method because it aims to confirm the data
obtained in the field with existing theories. The sample was obtained as
many as 85 respondents from students of the Sharia Banking Study
Program IAIN Kendari who used the DANA E-wallet with purposive
sampling techniques. As for the data collection technique, it was
carried out using the questionnaire method (Google Form). The data
was processed using validity tests, reliability tests, classical assumption
tests, and hypothesis tests using the IBM SPSS 25 for windows
program. The results of this study show that there is a positive and
significant influence between the variables of Perception of
Convenience, on the Consumptive Behavior of Students of the Sharia
Banking Study Program IAIN Kendari, with a level of significance of
sig. α 0.013 < 0.05, while in the security perception variable there was
no significant influence on the consumptive behavior of students of the
Sharia Banking Study Program IAIN Kendari with a significance level
of 0.829 > 0.05, then the promotion variable had a positive and
significant effect on the consumptive behavior of students of the Sharia
xiii | A B S T R A C T
Banking Study Program IAIN Kendari with a significance level of
0.000 < 0.05.
Keywords: Fintech, E-Wallet, Perception of Convenience,
Perception of Security, Promotion, Consumptive
Behavior

Item Type: Thesis (Other)
Additional Information: Kata Kunci : Fintech, E-Wallet, Persepsi Kemudahan, Persepsi Keamanan, Promosi, Perilaku Konsumtif
Uncontrolled Keywords: Kata Kunci : Fintech, E-Wallet, Persepsi Kemudahan, Persepsi Keamanan, Promosi, Perilaku Konsumtif
Subjects: Ekonomi > Ekonomi
Ekonomi > Bank
Ekonomi > Bank Islam
Divisions: Fakultas Ekonomi dan Bisnis Islam > Prodi Perbankan Syariah
Depositing User: Unnamed user with username asni
Date Deposited: 23 Jul 2025 06:08
Last Modified: 03 Apr 2026 08:56
URI: http://digitallib.iainkendari.ac.id/id/eprint/3993

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