The Effect of E-Wallet Usage Intensity, Lifestyle, and Income on Personal Financial Management with Self-Control as a Moderating Variable among Private Employees in Pontianak
Abstract
This study aims to analyze the effect of e-wallet usage intensity, lifestyle, and income on personal financial management, with self-control as a moderating variable among private employees in Pontianak City. The method used is quantitative with moderated regression analysis (Moderated Regression Analysis/MRA). The research sample consisted of 150 respondents selected using purposive sampling techniques. Data were collected through a questionnaire measured using a Likert scale and analyzed with SPSS version 25. The correlation coefficient test showed a strong relationship in the first model (R = 0.725) and a very strong relationship in the second model (R = 0.857) after considering self-control as a moderating variable. The coefficient of determination test (R²) in the first model shows that 52.5% of the variation in personal financial management is influenced by e-wallet usage intensity, lifestyle, and income, while in the second model, the R² value increased to 73.4%, indicating the role of self-control in moderating the relationship between these variables. Based on the Moderated Regression Analysis results, it can be concluded that self-control significantly moderates the effect of income on personal financial management, but does not moderate the effect of e-wallet usage intensity and lifestyle. The F test results show that e-wallet usage intensity, lifestyle, and income simultaneously have a significant effect on personal financial management. This study provides practical implications that to improve personal financial management among private employees in Pontianak City, attention needs to be given to the influence of e-wallet usage intensity, lifestyle, and income, by strengthening self-control to optimize financial management.
Downloads
References
Abubakar, R. (2021). Pengantar metodologi penelitian. Yogyakarta: SUKA-Press.
Agustin, V. (2024). Pengaruh latte factor gaya hidup hedonis dan pengelolaan keuangan terhadap kalangan karyawan di kota Salatiga dengan self-control sebagai variabel moderasi (studi kasus pada PT. BSA Salatiga) (Doctoral dissertation).
Aprillia, D. D., Nasution, N. L., Sianturi, A. P., Zhaharah, N. A., & Traigan, I. M. (2025). Pengaruh penggunaan financial technology (e-wallet) dan gaya hidup terhadap perilaku pengelolaan uang mahasiswa. Journal Sains Student Research, 3(5), 1157-1166.
Arifin, D. C., & Bachtiar, J. (2023). Pengaruh gaya hidup, literasi keuangan, dan sosial ekonomi orang tua terhadap pengelolaan keuangan pribadi mahasiswa manajemen keuangan syariah 2018. Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan, 5(6), 2581-2588.
Asisi, I., & Purwantoro. (2020). Pengaruh literasi keuangan, gaya hidup, dan pengendalian diri terhadap perilaku konsumtif mahasiswa Prodi Manajemen Fakultas Ekonomi Universitas Pasir Pengaraian. Jurnal Ilmiah Manajemen dan Bisnis, 2(1), 1-15.
Badan Pendapatan Daerah (Bapenda) Kota Pontianak. (2025). Data Pajak Barang dan Jasa Tertentu (PBJT) sektor makanan dan minuman periode Agustus 2025. Pontianak: Bapenda Kota Pontianak.
Bank Indonesia. (2024). Statistik sistem pembayaran dan pengelolaan uang rupiah tahun 2024. Jakarta: Bank Indonesia.
Baumeister, R. F., & Vohs, K. D. (2016). Handbook of self-regulation: Research, theory, and applications (3rd ed.). New York: The Guilford Press.
Damayanti, M. R., & Mahfudz, E. M. (2024). Pengaruh perilaku fear of missing out dan kemudahan penggunaan terhadap impulsive buying pada pengguna e-commerce dengan self-control sebagai variabel moderasi. Jurnal Manajemen dan Bisnis, 22(2), 89-104.
Dinas Kependudukan dan Pencatatan Sipil (Disdukcapil) Kota Pontianak. (2025). Data jumlah penduduk menurut jenis pekerjaan semester I tahun 2025. Pontianak: Disdukcapil Kota Pontianak.
Fitriyani, R. N., & Susilawati, S. (2025). Pengaruh self-control terhadap pengelolaan keuangan pribadi pada Generasi Z di era cashless society. Jurnal Ilmiah Wahana Pendidikan, 11(10. A), 125-138.
Fritiwi, W. R., Hariyanto, D., & Safitri, H. (2024). The influence of e-wallet usage, financial literacy, and lifestyle on financial management of female civil servants in Mempawah District. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis, 12(3), 2487-2498.
Ghozali, I. (2018). Aplikasi analisis multivariate dengan program IBM SPSS 25. Semarang: Badan Penerbit Universitas Diponegoro.
Gunawan, A., Pirari, W. S., & Sari, M. (2020). Pengaruh literasi keuangan dan gaya hidup terhadap pengelolaan keuangan mahasiswa prodi manajemen Universitas Muhammadiyah Sumatera Utara. Jurnal Humaniora: Jurnal Ilmu Sosial, Ekonomi Dan Hukum, 4(2), 23-35. https://doi.org/10.30601/humaniora.v4i2.1196
Helisastri, R., & Kusumawati, D. (2022). Pengaruh penggunaan media sosial terhadap perilaku pengelolaan keuangan mahasiswa dengan kontrol diri sebagai variabel moderasi. Jurnal Ekonomi, 6(2), 1-12.
Hidayati, N. (2019). Metode penelitian. Surabaya: UMSIDA Press.
Izza, M. Y. (2020). Pengaruh pendapatan, literasi keuangan, gaya hidup terhadap pengelolaan keuangan pribadi dengan gender sebagai variabel moderasi (Doctoral dissertation, STIE Perbanas Surabaya).
JakPat. (2024). Indonesia Fintech Trends 2024: Survei penggunaan fintech di Indonesia. Jakarta: Jajak Pendapat.
Khoirunnisa, R. A., & Purnamasari, P. E. (2024). Literasi keuangan memoderasi hubungan FoMO, love of money, dan self-control terhadap pengelolaan keuangan pribadi. Jurnal E-Bis: Ekonomi Bisnis, 8(2), 724-739.
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310-322. https://doi.org/10.1016/j.chb.2009.10.013
Nurulhuda, E. S., & Lutfiati, A. (2020). Analisis faktor-faktor yang mempengaruhi literasi keuangan (Studi kasus mahasiswa Fakultas Ekonomi dan Bisnis Universitas Islam As-Syafi'iyah). Kinerja: Jurnal Ekonomi dan Bisnis, 2(2), 111-134.
Octary, F. D. (2023). Pengaruh literasi keuangan dan e-wallet terhadap perilaku konsumtif mahasiswa STIE Indonesia Pontianak. Jurnal Ekonomi dan Bisnis, 12(1), 11-22.
Otoritas Jasa Keuangan. (2024). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024. Jakarta: Otoritas Jasa Keuangan.
Pemerintah Provinsi Kalimantan Barat. (2024). Penetapan upah minimum kota/kabupaten Kalimantan Barat tahun 2025. Diakses pada 10 Januari 2025 dari https://kalbarprov.go.id/page/upah-minimum-regional
Sahir, S. H. (2021). Metodologi penelitian. Yogyakarta: KBM Indonesia.
Sari, M., & Rinofah, R. (2019). Fintech payment sebagai alat transaksi digital. Jurnal Keuangan dan Perbankan, 7(3), 330-345.
Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta.
Tantri, Octaviani, D., & Arweni. (2025). Fear of missing out dalam membentuk self-control dan impulse buying pembelian coffee shop viral di Pontianak. Jurnal Equilibrium Manajemen Fakultas Ekonomi Universitas Panca Bhakti, 11(1), 33-44. https://doi.org/10.54035/jem.v11i1.567
Tempo.co. (2024, Agustus 20). Hasil SNLIK 2024: Catat, indeks literasi keuangan 65,43 persen. Diakses pada 10 Januari 2025 dari https://bisnis.tempo.co/read/1895234/hasil-snlik-2024-catat-indeks-literasi-keuangan-6543-persen
Trimartati, N. (2014). Studi tentang perilaku konsumtif remaja dalam gaya hidup hedonisme. Jurnal Sosiologi, 3(2), 45-58.
Wati, L. N., & Mustaqim, M. (2024). Pengaruh literasi keuangan, gaya hidup, dan pendapatan terhadap perilaku pengelolaan keuangan karyawan pada PT. Prismas Jamintara Sidoarjo. Jurnal Ekonomi, 13(1), 112-128.
Wijaya, L. I., Setiawan, B., & Oktavianus, J. (2025). Faktor-faktor yang mempengaruhi financial wellbeing generasi Z berpenghasilan di Surabaya, Indonesia. Jurnal Keuangan dan Perbankan, 9(1), 67-82.
Winnalta, A. (2018). Pengaruh literasi keuangan, self-control, dan tingkat pendapatan terhadap pengelolaan keuangan keluarga di Sidoarjo (Doctoral dissertation, STIE Perbanas Surabaya).
Copyright (c) 2026 Maulidya Syafira, Heni Safitri, Dedi Hariyanto
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
