Electronic Theses and Dissertation

Abstrak perkembangan teknologi finansial mendorong meningkatnya penggunaan e-wallet di kalangan mahasiswa dan berimplikasi pada pengelolaan keuangan personal. penelitian ini bertujuan menganalisis pengaruh hedonic motivation, ease of use, usefulness, price saving orientation, dan self-control terhadap pengelolaan keuangan personal dengan keputusan penggunaan e-wallet sebagai variabel pemediasi. penelitian ini menggunakan pendekatan kuantitatif melalui survei terhadap 170 mahasiswa pengguna e-wallet di provinsi aceh yang dipilih dengan purposive sampling. data dianalisis menggunakan pls-sem. hasil penelitian menunjukkan bahwa variabel independen berpengaruh signifikan terhadap keputusan penggunaan e-wallet, yang selanjutnya berpengaruh signifikan terhadap pengelolaan keuangan personal. temuan ini menegaskan bahwa e-wallet dapat mendukung pengelolaan keuangan personal apabila digunakan secara rasional dan disertai pengendalian diri yang baik. kata kunci: pengelolaan keuangan personal, keputusan penggunaan e-wallet, hedonic motivation, ease of use, usefulness, price saving orientation, dan self-control

ABSTRACT The development of financial technology has increased the use of e-wallets among university students and has implications for personal financial management. This study aims to analyze the effects of hedonic motivation, ease of use, usefulness, price saving orientation, and self-control on personal financial management, with e-wallet usage decision as a mediating variable. This research adopts a quantitative approach through a survey of 170 university students who are e-wallet users in the Province of Aceh, selected using purposive sampling. Data were analyzed using PLS-SEM. The results show that the independent variables significantly influence e-wallet usage decisions, which in turn have a significant effect on personal financial management. These findings indicate that e-wallets can support effective personal financial management when used rationally and accompanied by strong self-control. Keywords: Personal Financial Management, E-Wallet Usage Decision, Hedonic Motivation, Ease of Use, Usefulness, Price Saving Orientation, and Self-Control.